Blue Cash Everyday Card from American Express vs Bilt Blue Card
Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Bilt Blue Card on rent and dining.
Card data as of November 13, 2026.
Blue Cash Everyday Card from American ExpressAmerican Express · No annual fee
Bilt Blue CardCardless · No annual fee
Overview
- Annual fee
- Blue Cash Everyday Card from American Express$0Bilt Blue Card$0
- Welcome offerCurrent public offer
- Blue Cash Everyday Card from American Express$200 cash backBilt Blue Card$100 in rewards
- Rewards
- Blue Cash Everyday Card from American ExpressCash backBilt Blue CardBilt Points
- Foreign transaction fee
- Blue Cash Everyday Card from American Express2.7%Bilt Blue CardNoneLowest
- Network
- Blue Cash Everyday Card from American ExpressAmerican ExpressBilt Blue CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Gas Stations
- Blue Cash Everyday Card from American Express3%Bilt Blue Card1x
- Grocery Stores
- Blue Cash Everyday Card from American Express3%Bilt Blue Card1x
- Online Shopping
- Blue Cash Everyday Card from American Express3%Bilt Blue Card1x
- Department Stores
- Blue Cash Everyday Card from American Express2%Bilt Blue Card1x
- Mortgage
- Blue Cash Everyday Card from American Express1%Bilt Blue Card1.25x
- Rent
- Blue Cash Everyday Card from American Express1%Bilt Blue Card1.25x
- Everything else
- Blue Cash Everyday Card from American Express1%Bilt Blue Card1x
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- Blue Cash Everyday Card from American Express
- $7/mo Disney+ · $7 monthly
Bilt Blue Card—
Perks & access— means none on record
- Other perks
- Blue Cash Everyday Card from American Express
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Bilt Blue Card- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Rental car
- Blue Cash Everyday Card from American Express
- Car Rental Loss and Damage Insurance
Bilt Blue Card- Secondary rental car collision damage waiver
- Purchase & returns
- Blue Cash Everyday Card from American Express
- Up to $1,000 per item against damage or theft
Bilt Blue Card- $1,000 purchase protection per item for 90 days
- Cell phone
- Blue Cash Everyday Card from American Express—Bilt Blue Card
- Up to $800 cell phone protection per claim
- Other protections
- Blue Cash Everyday Card from American Express
- Zero liability protection on fraudulent charges
Bilt Blue Card—
Pros & cons
- Pros
- Blue Cash Everyday Card from American Express
- 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)
- As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
Bilt Blue Card- 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 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
- Cons
- Blue Cash Everyday Card from American Express
- 3% grocery rate is half of Blue Cash Preferred's 6%
- 2.7% foreign transaction fee makes it unsuitable for travel
- 3% rates on gas and online retail are capped at $6,000/year each
- 1% back on non-category purchases is below average
- $6,000 annual cap on grocery bonus limits heavy spenders
Bilt Blue Card- 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
Expert Analysis
The Blue Cash Everyday Card from American Express and Bilt Blue Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Blue Cash Everyday Card from American Express's strongest category is Grocery Stores at 3X, while the Bilt Blue Card leads with 3X on Lyft. Neither card dominates across the board — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Blue Cash Everyday Card from American Express earns 3X on Grocery Stores vs 1X for the other
- Blue Cash Everyday Card from American Express earns 3X on Online Shopping vs 1X for the other
- Blue Cash Everyday Card from American Express earns 2X on Gas Stations vs 1X for the other
- Different networks: Blue Cash Everyday Card from American Express is AMEX, Bilt Blue Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$600/month on grocery stores
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 1X. Over a year, that's 21,600 vs 7,200 points — a 14,400-point advantage.
$200/month on online shopping
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$200/month on lyft
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$400/month on dining
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.
Who Should Get Which?
Get the Blue Cash Everyday Card from American Express if:
The Blue Cash Everyday Card from American Express is ideal for cardholders who prioritize spending heavily on grocery stores and online shopping. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Bilt Blue Card if:
The Bilt Blue Card is ideal for cardholders who prioritize spending heavily on lyft and dining. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Bilt Blue Card wins in 2 of 3 categories. The Blue Cash Everyday Card from American Express leads in 1. 3 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Bilt Blue Card earns 1X (1X without restrictions)
Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
Grocery Stores
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Bilt Blue Card earns 1X (1X without restrictions)
Online Shopping
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Bilt Blue Card earns 1X (1X without restrictions)
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
The better card depends on how much you spend.
| Scenario | Blue Cash Everyday Card from American Express | Bilt Blue Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $362 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Bilt Blue Card | Blue Cash Everyday Card from American Express |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $722 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Bilt Blue Card | Bilt Blue Card |
Which Card Is Right for You?
Get the Blue Cash Everyday Card from American Express if you:
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Blue Cash Everyday Card from American Express or Bilt Blue Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Blue Cash Everyday Card from American Express have that the Bilt Blue Card doesn't?
- The Blue Cash Everyday Card from American Express focuses on earn rates, while the Bilt Blue Card offers cell phone protection.
- 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.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.