Bilt World Elite Mastercard vs Centurion Card from American Express

Side-by-side comparison of Bilt World Elite Mastercard and Centurion Card from American Express. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bilt World Elite Mastercard	Centurion Card from American Express
Issuer	Wells Fargo (Bilt)	American Express
Network	Mastercard	American Express
Card Material	Metal	Plastic
Annual Fee	$0.00	$5000.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Restaurants	3.0%	1.0% (base)
Travel	2.0%	1.0% (base)
Rent (up to 100,000 points per year)	1.0%	1.0% (base)
Purchases over $5k	1.0% (base)	1.5%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	14 partners	20 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	21.49% - 29.49%	12.74% - 21.74%
Cash Advance APR	29.49%	28.74%
Penalty APR	N/A	29.99%
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