Bilt Mastercard vs Chase Sapphire Preferred
Compare fees, current offers, and listed rewards. Add your preferences to see which card may fit better.
Chase Sapphire Preferred leads on the listed facts.
Chase Sapphire Preferred leads on 2 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit.
Best if you care most about stronger category earning on everyday spend.
Best if transfer partners and redemption flexibility matter more than simplicity.
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
What leads on the listed facts
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Bilt Mastercard reaches 3x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Bilt Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $0.
Headline comparison · not personalized
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
Bilt Mastercard is no longer available for new applicants. Historical data is preserved here for reference.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Chase Sapphire Preferred
Assumptions: default assumptions
No personal inputs have been applied. Add your spending focus, fee preference, or current cards to explore how the comparison changes.
- Dining 3x
- Travel 2x
- Rent 1x
- Chase Travel 5x
- Dining 3x
- Gas Stations 3x
- Chase Travel Hotel Credit $100
- Global Entry / TSA PreCheck / NEXUS Credit $120
- DoorDash Monthly Promo $10
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- Apple TV Benefit
- 5x on Lyft Rides
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Quick summary
A short version of the comparison with the main differences at a glance.
Chase Sapphire Preferred leads on 2 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit. On raw upside, Chase Sapphire Preferred tops out at 5x versus 3x for Bilt Mastercard. Current signup bonus values are roughly $0 for Bilt Mastercard and $0 for Chase Sapphire Preferred. Summary generated August 27, 2026. Source: https://cardcurator.ai/compare/bilt-mastercard-vs-chase-sapphire-preferred
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Bilt Mastercard reaches 3x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Bilt Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $0.
Common Questions: Bilt Mastercard vs Chase Sapphire Preferred
Is the Bilt Mastercard or Chase Sapphire Preferred better for dining?
Bilt Mastercard earns 3x on dining; Chase Sapphire Preferred earns 3x on dining. Bilt Mastercard wins for dining.
Which has the higher signup bonus in 2026?
Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.
Which card is better for international travel?
Bilt Mastercard: no foreign transaction fee listed. Chase Sapphire Preferred: no foreign transaction fee listed. Check the issuer's current terms before using a card abroad.
Can I hold both the Bilt Mastercard and the Chase Sapphire Preferred?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Mastercard is from Wells Fargo and Chase Sapphire Preferred is from Chase, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.