Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Blue Cash Everyday Card from American Express vs Bilt Blue Card
Home / Compare / Blue Cash Everyday Card from American Express vs Bilt Blue Card Blue Cash Everyday Card from American Express vs Bilt Blue Card Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Bilt Blue Card wins on rent and dining. Here's how they compare.
Earn Rates Category Blue Cash Everyday Card from American Express Bilt Blue Card Dining 1X 3X Grocery Stores 3X 1X Lyft 1X 3X Online Shopping 3X 1X Department Stores 2X 1X Gas Stations 2X
Pros & Cons Pros
+ No annual fee with solid category rewards+ 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)+ Up to $84/year Disney Bundle credit for streaming subscriptions+ 0% intro APR for 15 months on purchases (3 months longer than Preferred)+ $200 welcome bonus after $2,000 spend in 6 months+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)Cons
− 3% grocery rate is half of Blue Cash Preferred's 6%Category-by-Category Winner Both cards win in 4 categories each — it comes down to which categories matter most to you.
W Grocery Stores
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Online Shopping
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Gas Stations
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Blue Cash Everyday Card from American Express if you:
Frequently Asked Questions
Which card earns more rewards, the Blue Cash Everyday Card from American Express or Bilt Blue Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Blue Cash Everyday Card from American Express or the Bilt Blue Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Home / Compare / Blue Cash Everyday Card from American Express vs Bilt Blue Card Blue Cash Everyday Card from American Express vs Bilt Blue Card Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Bilt Blue Card wins on rent and dining. Here's how they compare.
Earn Rates Category Blue Cash Everyday Card from American Express Bilt Blue Card Dining 1X 3X Grocery Stores 3X 1X Lyft 1X 3X Online Shopping 3X 1X Department Stores 2X 1X Gas Stations 2X
Pros & Cons Pros
+ No annual fee with solid category rewards+ 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)+ Up to $84/year Disney Bundle credit for streaming subscriptions+ 0% intro APR for 15 months on purchases (3 months longer than Preferred)+ $200 welcome bonus after $2,000 spend in 6 months+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)Cons
− 3% grocery rate is half of Blue Cash Preferred's 6%Category-by-Category Winner Both cards win in 4 categories each — it comes down to which categories matter most to you.
W Grocery Stores
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Online Shopping
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Gas Stations
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Blue Cash Everyday Card from American Express if you:
Frequently Asked Questions
Which card earns more rewards, the Blue Cash Everyday Card from American Express or Bilt Blue Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Blue Cash Everyday Card from American Express or the Bilt Blue Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Home / Compare / Blue Cash Everyday Card from American Express vs Bilt Blue Card Blue Cash Everyday Card from American Express vs Bilt Blue Card Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Bilt Blue Card wins on rent and dining. Here's how they compare.
Earn Rates Category Blue Cash Everyday Card from American Express Bilt Blue Card Dining 1X 3X Grocery Stores 3X 1X Lyft 1X 3X Online Shopping 3X 1X Department Stores 2X 1X Gas Stations 2X
Pros & Cons Pros
+ No annual fee with solid category rewards+ 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)+ Up to $84/year Disney Bundle credit for streaming subscriptions+ 0% intro APR for 15 months on purchases (3 months longer than Preferred)+ $200 welcome bonus after $2,000 spend in 6 months+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)Cons
− 3% grocery rate is half of Blue Cash Preferred's 6%Category-by-Category Winner Both cards win in 4 categories each — it comes down to which categories matter most to you.
W Grocery Stores
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Online Shopping
Blue Cash Everyday Card from American Express earns 3X vs 1X
W Gas Stations
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
Which Card Is Right for You? Get the Blue Cash Everyday Card from American Express if you:
Frequently Asked Questions
Which card earns more rewards, the Blue Cash Everyday Card from American Express or Bilt Blue Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Blue Cash Everyday Card from American Express or the Bilt Blue Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
1X
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− 2% gas rate is below Preferred's 3%
− 1% back on non-category purchases is below average
− $6,000 annual cap on grocery bonus limits heavy spenders− Only 1X points on non-housing purchases (below average for flat-rate cards)− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions− Most Bilt Cash expires at year-end (only $100 rolls over)− No bonus categories like dining or travel (those are Obsidian features)− Fewer card-specific protections than Obsidian or Palladium
+ Do most of your spending at grocery storesGet the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining out1X
−
− 2% gas rate is below Preferred's 3%
− 1% back on non-category purchases is below average
− $6,000 annual cap on grocery bonus limits heavy spenders− Only 1X points on non-housing purchases (below average for flat-rate cards)− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions− Most Bilt Cash expires at year-end (only $100 rolls over)− No bonus categories like dining or travel (those are Obsidian features)− Fewer card-specific protections than Obsidian or Palladium
+ Do most of your spending at grocery storesGet the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining out1X
−
− 2% gas rate is below Preferred's 3%
− 1% back on non-category purchases is below average
− $6,000 annual cap on grocery bonus limits heavy spenders− Only 1X points on non-housing purchases (below average for flat-rate cards)− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions− Most Bilt Cash expires at year-end (only $100 rolls over)− No bonus categories like dining or travel (those are Obsidian features)− Fewer card-specific protections than Obsidian or Palladium
+ Do most of your spending at grocery storesGet the Bilt Blue Card if you:
+ Spend $300+/month on restaurants and dining out
CardRewards
