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 World Elite Mastercard (no annual fee) and the Chase Freedom Flex® Credit Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Bilt World Elite Mastercard earns at least as much as Chase Freedom Flex in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt World Elite Mastercard | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $250 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4% | 1% |
| Dining Rewards | 4% | 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 | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, 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.