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All comparisons
Head-to-head, 2026

Bilt Bilt Blue Card Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Bilt Bilt Blue Card

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 3×restaurants · Bilt Rewards
  • 2×travel · Bilt Rewards
  • 1×all other purchases · Bilt Rewards
  • 1×rent · Bilt Rewards

Key benefits

  • Welcome Offer: $100 Bilt Cash · $100
  • Elite Status Bilt Cash Bonus · $50
  • No Transaction Fee on Housing Payments · $0
  • Bilt Housing Payment Credit Line Protection · $0
  • No Foreign Transaction Fees · $0
Full Bilt Bilt Blue Card review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer