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 World Elite Mastercard (no annual fee) and the Chase Sapphire Reserve® Credit Card ($795/yr) comes down to where you spend most. Chase Sapphire Reserve needs about $3,315 a month in flights or hotels, counting that spending alone, to make up its $795 higher annual fee over Bilt World Elite Mastercard. Below that, Bilt World Elite Mastercard comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in flights and hotels at 4%. 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Bilt World Elite Mastercard | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $0 | $795 |
| Sign-Up Bonus | None | 100,000 points after $6,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4% | 1% |
| Flights Rewards | 4% | 4% |
| Hotels Rewards | 4% | 4% |
| Dining Rewards | 4% | 3% |
| Rates with conditions not counted in the rows above |
None |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining. |
Bilt World Elite Mastercard pulls ahead for dining, groceries, gas spending.
The $795/year fee difference means Chase Sapphire Reserve needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Reserve carries $2,418/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.