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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

  • 5×dining · Bilt Points
  • 4×rideshare · Bilt Points
  • 4×hotels · Bilt Points
  • 3×flights · Bilt Points

Key benefits

  • Trip Cancellation & Interruption · $5000
  • Cell Phone Protection · $1000
  • Purchase Assurance · $1000
  • Trip Delay Reimbursement · $500
  • Bilt Cash Annual Credit · $200
Full Bilt Bilt Palladium Card review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$5,000 / 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
  • Lyft Pink & 5x Points · $50
  • $50 Hotel Credit · $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