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 Sapphire Reserve for Business℠ Credit Card ($795/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 4%. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Bilt Card (Blue) | Chase Sapphire Reserve Business |
|---|---|---|
| Annual Fee | $0 | $795 |
| Sign-Up Bonus | None | 200,000 points after $30,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 1% | 4% |
| Rates with conditions not counted in the rows above |
None |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads. |
Chase Sapphire Reserve Business wins on travel.
The $795/year fee difference means Chase Sapphire Reserve Business needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Reserve Business carries $2,110/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
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.