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Bilt Blue Card vs Chase Sapphire Preferred

The short answer

  • The Chase Sapphire Preferred costs $95 more a year than the Bilt Blue Card.
  • The Chase Sapphire Preferred earns more on dining, travel, gas.
  • The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $0 for the Bilt Blue Card.

Side by side

Bilt Blue CardChase Sapphire Preferred
Annual feeNo annual fee$95
Welcome offer—75,000 after $5,000 in 3 months (≈ $1,500)
Earns on dining1x (≈ 2%)3x (≈ 6%)
Earns on groceries1x (≈ 2%)1x (≈ 2%)
Earns on travel1x (≈ 2%)2x (≈ 4%)
Earns on gas1x (≈ 2%)3x (≈ 6%)
Earns on everything else1x (≈ 2%)1x (≈ 2%)
RewardsBilt RewardsChase Ultimate Rewards
NetworkMastercardVisa
KritScore3984
HighlightsPoints on rent & mortgage (up to 1.25x) · No fee to pay rent with the card · Transfers to American, Hyatt & more · Cell phone protection · No annual feeFull Chase transfer partners · Primary rental car insurance · Trip cancellation & delay insurance · Free DashPass (activate by 12/31/2029) · No foreign transaction fees

“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.

Is the Bilt Blue Card better than the Chase Sapphire Preferred?

The Chase Sapphire Preferred costs $95 more a year than the Bilt Blue Card. The Chase Sapphire Preferred earns more on dining, travel, gas. The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $0 for the Bilt Blue Card.

What is the annual fee on the Bilt Blue Card and the Chase Sapphire Preferred?

The Bilt Blue Card: no annual fee. The Chase Sapphire Preferred: $95 a year.

Full guides

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