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Bilt Blue Card vs Delta SkyMiles Gold American Express Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Delta SkyMiles Gold American Express CardAmerican Express |
|---|---|---|
| Rating | 4.2/5 | 4.1/5 |
| Annual Fee | $0 | $150 |
| APR | 21.49% - 29.49% | 19.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | 55,000 bonus miles after spending $3,000 in 6 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 2X on Delta purchases, restaurants, and U.S. supermarkets, 1X on everything else |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | Free first checked bag saves $70+ per round trip Priority boarding on all Delta flights 2X on Delta, dining, and supermarkets covers common spend |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | $150 annual fee is high for a mid-tier airline card SkyMiles have lower cpp value than some competitors No lounge access or travel credits |
| View Details → | View Details → |
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Verdict
Our Pick: Bilt Blue Card
With a 4.2/5 rating, the Bilt Blue Card edges out the Delta SkyMiles Gold American Express Card (4.1/5). No annual fee makes it easy to justify. The Bilt Blue is the only no-fee card that earns rewards on rent and mortgage payments. With transfer partners like Hyatt and airlines, the points can be worth 2cpp+ for travel.