Amex Graphite Business Cash Unlimited Card vs Bilt World Elite Mastercard

Side-by-side comparison of Amex Graphite Business Cash Unlimited Card and Bilt World Elite Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Graphite Business Cash Unlimited Card	Bilt World Elite Mastercard
Issuer	American Express	Wells Fargo (Bilt)
Network	American Express	Mastercard
Card Material	Plastic	Metal
Annual Fee	$295.00	$0.00
Base Rate	2.00%	1.00%
Travel Rewards	0.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Travel	5.0%	2.0%
Restaurants	2.0% (base)	3.0%
Rent (up to 100,000 points per year)	2.0% (base)	1.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

—

1:1

Pricing Details

Purchase APR	12.74% - 21.74%	21.49% - 29.49%
Cash Advance APR	28.74%	29.49%
Penalty APR	29.99%	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	N/A

Insurance & Protections

Auto Rental	—	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	Up to $800 per claim
Extended Warranty	—	—
Purchase Protection	—	Up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	Up to $5,000 per passenger
Trip Delay	—	Up to $200 per day (max $1,800)
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard