The Chase Sapphire Preferred edges out the Bilt Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you want no or lower annual fee.
Bilt Mastercard vs Chase Sapphire Preferred
Get the clearer winner first, see the specific exception case, and only personalize further if the decision is genuinely close.
Chase Sapphire Preferred is the better choice for most people.
Chase Sapphire Preferred wins the measurable comparison on this page. Choose Bilt Mastercard only if best if transfer partners and redemption flexibility matter more than simplicity..
Best if your main priority is the larger current welcome offer.
Review Chase Sapphire PreferredBest if transfer partners and redemption flexibility matter more than simplicity.
Review Bilt MastercardWhy we picked this winner
- Chase Sapphire Preferred wins 3 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 $1000.
High-confidence recommendation
The winner has a clear edge in multiple measurable categories, so most readers do not need a deeper personalization step before acting.
Which Card Comes Out Ahead?
Chase Sapphire Preferred is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. Bilt Mastercard still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if transfer partners and redemption flexibility matter more than simplicity.
Best if your main priority is the larger current welcome offer.
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
Chase Sapphire Preferred still comes out ahead after a light personalization pass, which suggests the recommendation is fairly robust.
- 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
- DashPass
- Apple TV Benefit
- 5x on Lyft Rides
- +7 more
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- Atmos Rewards
- United MileagePlus
- +20 more
- JetBlue TrueBlue
- KrisFlyer
- Iberia Plus
- Marriott Bonvoy
- Wyndham Rewards
- +10 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Preferred edges out the Bilt Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you want no or lower annual fee. 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 $1000 for Chase Sapphire Preferred. Summary generated August 7, 2026. Source: https://cardcurator.ai/compare/bilt-mastercard-vs-chase-sapphire-preferred
- Chase Sapphire Preferred wins 3 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 $1000.
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?
Bilt Mastercard currently offers no current bonus. Chase Sapphire Preferred offers 100,000 pts signup bonus (spend $5,000 in 3 months). Chase Sapphire Preferred 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 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.