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 Blue Card (no annual fee) and the Sapphire Reserve for Business℠ Credit Card ($795/yr) comes down to where you spend most. Chase Sapphire Reserve Business needs about $1,325 a month in flights or hotels, counting that spending alone, to make up its $795 higher annual fee over Bilt Blue Card. Below that, Bilt Blue Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
1x 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 NowStrongest in flights and hotels 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 Blue Card | 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% | 1% |
| Flights Rewards | 1% | 4% |
| Hotels Rewards | 1% | 4% |
| Rates with conditions not counted in the rows above |
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%. |
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.