Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the Bilt Blue Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Prime Visa earns at least as much as Bilt Blue Card in every category, more on dining and gas. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Prime Visa | Bilt Blue Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 2% | 1% |
| Gas Rewards | 2% | 1% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). |
Prime Visa pulls ahead for dining, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.