Which card has a lower annual fee, Bilt Card (Blue) or Chase Freedom Flex?

The Bilt Card (Blue) has no annual fee, compared to $0 for the Chase Freedom Flex.

Which card earns more cash back, Bilt Card (Blue) or Chase Freedom Flex?

The Bilt Card (Blue) earns 1.0% base cash back, while the Chase Freedom Flex earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Bilt Card (Blue) better than the Chase Freedom Flex?

It depends on your spending. If you spend more on categories where the Bilt Card (Blue) offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Bilt Card (Blue) vs Chase Freedom Flex® Credit Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Bilt Card (Blue) (no annual fee) and the Chase Freedom Flex® Credit Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Bilt Card (Blue)

1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Chase Freedom Flex

Strongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.

Annual fee: None Sign-up bonus: $200 after $500 spend in 3 months Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Bilt Card (Blue)	Chase Freedom Flex
Annual Fee	$0	$0
Sign-Up Bonus	None	$200 after $500 spend in 3 months
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.0%	1.0%
Dining Rewards	1%	3%
Rates with conditions not counted in the rows above	None	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%.
Key Benefits	1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).	5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.

The Verdict

Chase Freedom Flex wins on dining.

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.