Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Bilt Bilt Palladium 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: Chase Sapphire Preferred

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 6×Dining · Bilt Rewards
  • 4×Travel · Bilt Rewards
  • 3×Dining · Bilt Rewards
  • 2×Travel · Bilt Rewards

Key benefits

  • Annual $200 Bilt Cash · $200
  • No transaction fees on housing payments · $0
  • No foreign transaction fees · $0
  • Priority Pass lounge access · $0
  • Purchase Assurance · $0
Full Bilt Bilt Palladium Card review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$1,538
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
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