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Card vs Card Comparison

Bilt Mastercard
vs
Chase Sapphire Preferred.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Wells Fargo

Bilt Mastercard

Annual fee

Free

Points

Bilt Rewards

Signup bonus

No signup bonus (by design)

Top earning rates

  • →1x on rent with no fees
  • →2x on travel
  • →3x on dining

Top perks

  • →Pay rent without fees (the headline benefit)
  • →Bilt transfer partners including American, United, and Hyatt
  • →Members-only Bilt events
See Bilt Mastercard detailsarrow_forward

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

The verdict

When each card wins.

Bilt Mastercard wins if

Pick this if you rent. Earning transferable points on rent is unique to this card.

Honest downside: Useless if you do not rent. Mediocre everyday earner otherwise.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

At a glance

Side-by-side spec sheet.

SpecBilt MastercardChase Sapphire Preferred
Annual feeFree$95
Points currencyBilt RewardsUltimate Rewards
Signup bonusNo signup bonus (by design)Currently around 75K points
Top earn category1x on rent with no fees5x on Chase Travel
Second earn category2x on travel3x on dining, online grocery, and streaming
Third earn category3x on dining2x on other travel
Signature perkPay rent without fees (the headline benefit)$50 annual hotel credit on Chase Travel
IssuerWells FargoChase

Questions

Frequently asked.

Which is better, Bilt Mastercard or Chase Sapphire Preferred?

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Bilt Mastercard wins if you rent. Earning transferable points on rent is unique to this card. Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Can I have both the Bilt Mastercard and the Chase Sapphire Preferred?

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Yes. These are issued by different banks (Wells Fargo and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Bilt Mastercard or Chase Sapphire Preferred?

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Chase Sapphire Preferred has the higher annual fee at $95, compared to $0 for Bilt Mastercard. Whether the pricier card is worth the difference depends on which credits and perks you use each year.