The Chase Sapphire Reserve edges out the Bilt Blue Card for most cardholders — it wins on 3 of 4 comparison categories and offers 150,000 pts signup bonus earns more (up to 8x vs 2x). The Bilt Blue Card is the better choice if you want no or lower annual fee.
Bilt Blue Card vs Chase Sapphire Reserve
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 2x
- Travel 1.5x
- Rent 1x
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- 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
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Reserve edges out the Bilt Blue Card for most cardholders — it wins on 3 of 4 comparison categories and offers 150,000 pts signup bonus earns more (up to 8x vs 2x). The Bilt Blue Card is the better choice if you want no or lower annual fee. On raw upside, Chase Sapphire Reserve tops out at 8x versus 2x for Bilt Blue Card. Current signup bonus values are roughly $200 for Bilt Blue Card and $1500 for Chase Sapphire Reserve. Updated May 29, 2026. Source: https://cardcurator.ai/compare/bilt-blue-card-vs-chase-sapphire-reserve
- Chase Sapphire Reserve wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Reserve reaches 8x; Bilt Blue Card reaches 2x.
- Annual fee: Chase Sapphire Reserve is $795/yr; Bilt Blue Card is no annual fee.
- Current public bonus values are approximately $200 and $1500.
Common Questions: Bilt Blue Card vs Chase Sapphire Reserve
Is the Bilt Blue Card or Chase Sapphire Reserve better for dining?
Bilt Blue Card earns 2x on dining; Chase Sapphire Reserve earns 3x on dining. Chase Sapphire Reserve wins for dining.
Which has the higher signup bonus in 2026?
Bilt Blue Card currently offers 10,000 pts signup bonus. Chase Sapphire Reserve offers 150,000 pts signup bonus (spend $6,000 in 3 months). Chase Sapphire Reserve 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 Sapphire Reserve?
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 Sapphire Reserve is from Chase, so they're governed by separate bank policies.