Bank of America Business Advantage Travel Rewards World Mastercard vs Bilt Mastercard

Side-by-side comparison of Bank of America Business Advantage Travel Rewards World Mastercard and Bilt Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Business Advantage Travel Rewards World Mastercard	Bilt Mastercard
Issuer	Bank of America	Wells Fargo
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.50%	1.00%
Travel Rewards	3.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Travel	3.0%	2.0%
Rent (up to 100K points/year)	1.5% (base)	1.0%
Restaurants	1.5% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	15 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	18.49% - 28.49%	21.49% - 29.99%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$39	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	Covered up to $800 per claim (subject to $25 deductible)
Extended Warranty	—	—
Purchase Protection	—	Covered up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	Covered up to $5,000 per passenger
Trip Delay	—	Covered up to $200 per day
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