Choosing between the Bilt Card (Blue) (no annual fee) and the Chase Sapphire Preferred Card ($95/yr) 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.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5% via portal. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now| Feature | Bilt Card (Blue) | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 100,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 1% | 5% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 3% |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
Chase Sapphire Preferred Card wins on travel, dining, groceries.
The $95/year fee difference means Chase Sapphire Preferred Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.