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Card vs Card Comparison

Bilt Mastercard
vs
Chase Sapphire Preferred.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

Wells Fargo

Bilt Mastercard

Annual fee

Free

Points

Bilt Rewards

Signup bonus

No signup bonus

Earning highlights

  • →1× on rent (no FTF, no convenience fee)
  • →2× on travel
  • →3× on dining
  • →2-6× on Rent Day (1st of month, double points)

Perks highlights

  • →Pay rent without fees (the headline benefit)
  • →Bilt transfer partners (American, United, Hyatt, etc.)
  • →Members-only Bilt events
  • →$0 annual fee
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Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K UR after $4K in 3 months

Earning highlights

  • →5× on Chase Travel
  • →3× on dining, online groceries, streaming
  • →2× on other travel

Perks highlights

  • →$50 annual hotel credit (Chase Travel)
  • →10% point bonus on cardmember anniversary
  • →Primary rental car insurance
  • →Trip cancellation + delay insurance
  • →Transfers 1:1 to all UR partners (Hyatt, United, Air Canada, etc.)
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The verdict

When each card wins.

Bilt Mastercard wins if

Renters. Earning points on rent is uniquely valuable here.

Weakness: Useless if you don't rent. Mediocre everyday earner otherwise.

Chase Sapphire Preferred wins if

Entry-level UR-earning card. The best $95-AF travel card on the market.

Weakness: No lounge access, no $300 travel credit. Loses to CSR for high spenders.

At a glance

Side-by-side spec sheet.

SpecBilt MastercardChase Sapphire Preferred
Annual feeFree$95
Points currencyBilt RewardsUltimate Rewards
Top earning rate1× on rent (no FTF, no convenience fee)5× on Chase Travel
Signup bonusNo signup bonus75K UR

Questions

Frequently asked.

Should I get the Bilt Mastercard or the Chase Sapphire Preferred?

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Bilt Mastercard wins if renters. earning points on rent is uniquely valuable here. Chase Sapphire Preferred wins if entry-level ur-earning card. the best $95-af travel card on the market.

Can I have both the Bilt Mastercard and the Chase Sapphire Preferred?

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Yes — these are issued by different banks (Wells Fargo and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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Chase Sapphire Preferred has the higher annual fee ($95 vs $0). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Bilt Mastercard more valuable than points from Chase Sapphire Preferred?

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Bilt Mastercard earns Bilt Rewards; Chase Sapphire Preferred earns Ultimate Rewards. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.