Card Comparison
Bilt Blue Card vs Chase Sapphire Reserve Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$795/yr
Foreign Fees
None
None
Signup Bonus
10,000 points
200,000 points
Spend $30,000 in 6 months
Top Earn Rates
- Dining 2x
- Travel 1.5x
- Rent 1x
- Chase Travel (including The Edit) 8x
- Lyft rides 5x
- flights & hotels booked direct 4x
Reward Type
miles
miles
Key Credits
None
- Annual Travel Credit $300
- Stays with the Edit $250
- Priority Pass Select Membership $429
- +1 more
Card Perks
None listed
- Chase Sapphire Lounge (~$200/yr)
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 Sapphire Reserve Business
Is the Bilt Blue Card or Chase Sapphire Reserve Business better for dining?
Bilt Blue Card earns 2x on dining; Chase Sapphire Reserve Business has no dining bonus.
Which has the higher signup bonus in 2026?
Bilt Blue Card currently offers 10,000 pts signup bonus. Chase Sapphire Reserve Business offers 200,000 pts signup bonus (spend $30,000 in 6 months). Chase Sapphire Reserve Business 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 Business?
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 Business is from Chase, so they're governed by separate bank policies.