Card Comparison
Bilt Blue Card vs Chase Freedom Unlimited
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
10,000 points
25,000 points
Spend $500 in 3 months
Top Earn Rates
- Dining 2x
- Travel 1.5x
- Rent 1x
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
Reward Type
miles
miles
Key Credits
None
None
Transfer Partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Bilt Blue Card vs Chase Freedom Unlimited
Is the Bilt Blue Card or Chase Freedom Unlimited better for dining?
Bilt Blue Card earns 2x on dining; Chase Freedom Unlimited earns 3x on dining. Chase Freedom Unlimited wins for dining.
Which has the higher signup bonus in 2026?
Bilt Blue Card currently offers 10,000 pts signup bonus. Chase Freedom Unlimited offers 25,000 pts signup bonus (spend $500 in 3 months). Chase Freedom Unlimited has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bilt Blue Card and the Chase Freedom Unlimited?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Blue Card is from Cardless and Chase Freedom Unlimited is from Chase, so they're governed by separate bank policies.