Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Blue Card (no annual fee) and the Chase Sapphire Preferred® Credit Card ($95/yr) comes down to where you spend most. Chase Sapphire Preferred Card needs about $290 a month in dining or groceries, counting that spending alone, to make up its $95 higher annual fee over Bilt Blue Card. Below that, Bilt Blue Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Bilt Blue Card | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 75,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 1% | 2% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
Chase Sapphire Preferred Card wins on travel, dining, groceries.
The $95/year fee difference means Chase Sapphire Preferred Card needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Preferred Card carries $220/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.