Card Comparison
Bilt Mastercard vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$95/yr
Foreign Fees
None
None
Signup Bonus
None
75,000 points
Spend $5,000 in 3 months
Top Earn Rates
- Dining 3x
- Travel 2x
- Rent 1x
- Chase Travel 5x
- Dining 3x
- Streaming 3x
Reward Type
miles
miles
Key Credits
None
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
Card Perks
None listed
- DoorDash Dashpass (~$100/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 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 75,000 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.