Bilt Blue
Bilt
No annual feeBilt RewardsNo foreign feeMastercardGood
View issuer offerComparison brief
Bilt vs. Chase Sapphire Preferred
Browse all comparisons
Bilt Blue charges nothing and is built around one job — earning on rent without a processing fee — while the Sapphire Preferred charges $95 for 3x dining, streaming, and groceries plus Chase transfer partners. Many people end up wanting both.
2/4 selected
Ready
Overview
$95/yrChase Ultimate RewardsNo foreign feeVisaGood
View issuer offerSome links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
EV Charging
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
Flights outside issuer portals
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Gas stations (excluding Costco Gas)
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
Groceries — online
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
Hotels outside issuer portals
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Other travel outside issuer portals
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Streaming
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
Tours & Activities (booked direct)
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Travel - Car Rentals / Agencies / Cruises
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Travel - Vacation Homes
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 3x
Everything else
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 1x
| Category | Bilt Blue | Chase Sapphire Preferred |
|---|---|---|
| Dining | 1x | 3x |
| EV Charging | 1x | 3x |
| Flights outside issuer portals | 1x | 2x |
| Gas stations (excluding Costco Gas) | 1x | 3x |
| Groceries — online | 1x | 3x |
| Hotels outside issuer portals | 1x | 2x |
| Other travel outside issuer portals | 1x | 2x |
| Streaming | 1x | 3x |
| Tours & Activities (booked direct) | 1x | 2x |
| Travel - Car Rentals / Agencies / Cruises | 1x | 2x |
| Travel - Vacation Homes | 1x | 3x |
| Everything else | 1x | 1x |
Issuer travel portals 8 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Amex Travel - Flights
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Amex Travel - Hotels
- Bilt Blue
- 1x
- Chase Sapphire Preferred
- 2x
Bilt Travel - Flights
- Bilt Blue
- 2x
- Chase Sapphire Preferred
- 2x
Bilt Travel - Hotels
- Bilt Blue
- 3x
- Chase Sapphire Preferred
- 2x
Chase Travel - Flights
- Bilt Blue
- —
- Chase Sapphire Preferred
- 5x
Chase Travel - Hotels
- Bilt Blue
- —
- Chase Sapphire Preferred
- 5x
Chase Travel - Rental Cars / Activities
- Bilt Blue
- —
- Chase Sapphire Preferred
- 5x
| Category | Bilt Blue | Chase Sapphire Preferred |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 1x | 2x |
| Amex Travel - Flights | 1x | 2x |
| Amex Travel - Hotels | 1x | 2x |
| Bilt Travel - Flights | 2x | 2x |
| Bilt Travel - Hotels | 3x | 2x |
| Chase Travel - Flights | — | 5x |
| Chase Travel - Hotels | — | 5x |
| Chase Travel - Rental Cars / Activities | — | 5x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Annual Hotel Credit
- Bilt Blue
- —
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $100/yrConditional
Global Entry / TSA PreCheck / NEXUS
- Bilt Blue
- —
- Chase Sapphire Preferred
- $30/yr estimated usableUp to $120/yrEasy to use
Apple TV Benefit
- Bilt Blue
- —
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $156/yrConditional
DoorDash DashPass
- Bilt Blue
- —
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $120/yrConditional
Estimated usable credit value
- Bilt Blue
- —
- Chase Sapphire Preferred
- $30/yr
Maximum face value
- Bilt Blue
- —
- Chase Sapphire Preferred
- $496/yr
| Credit | Bilt Blue | Chase Sapphire Preferred |
|---|---|---|
| Annual Hotel Credit | — | $0/yr estimated usable Up to $100/yr Conditional |
| Global Entry / TSA PreCheck / NEXUS | — | $30/yr estimated usable Up to $120/yr Easy to use |
| Apple TV Benefit | — | $0/yr estimated usable Up to $156/yr Conditional |
| DoorDash DashPass | — | $0/yr estimated usable Up to $120/yr Conditional |
| Estimated usable credit value | — | $30/yr |
| Maximum face value | — | $496/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
Run the optimizer — free