Compared from 1,127 real customer reviews

Bilt Card vs American Express The Platinum Card from American Express vs Wise

Side by side from 1,127 real reviews. Every count is the same as on each product’s page.

How the signal works

The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

Bilt Card

Travel rewards card

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American Express The Platinum Card from American Express

Travel rewards card

Visit site

Wise

76 signal

87 signal

87 signal

In short

Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.

Lounges and hotel stays outweigh the fee for frequent travellers; others call it a coupon book.

Low, upfront fees and good exchange rates for international transfers; accounts blocked in reviews.

Liked mostreviews mentioning it

helpful support4

Watch forreviews mentioning it

poor support12

poor support11

Specs

Type: Rent and travel rewards credit card
Fees: Three cards: Blue $0, Obsidian $95, Palladium $495 annual fee
Rates & rewards: Up to 1.25x points on rent and mortgage payments

Type: Premium travel rewards charge card
Fees: $895 annual fee
Rates & rewards: 5x points on flights booked directly with airlines or Amex Travel (up to $500K a year) and on prepaid hotels via Amex Travel

Type: International transfers and multi-currency account
Fees: Mid-market exchange rate plus a fee shown upfront
Rates & rewards: Live mid-market exchange rate with no markup; transfer fee quoted upfront

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