Bilt Mastercard vs Chase Sapphire Preferred
Bilt Points vs Ultimate Rewards
Verified July 2026
The Bilt Mastercard ($0) undercuts the Chase Sapphire Preferred ($95) on annual fee. Pick the Bilt Mastercard for everyday rent and mortgage spending (1.25x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x).
At a Glance
Bilt Mastercard
- Annual Fee
- $0
- Signup Bonus
- No traditional bonus
- Network
- Mastercard
- Points Currency
- Bilt Points
- Earning Rates
-
Rent And Mortgage 1.25xEveryday Purchases 1x
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 100,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xVacation Homes 3xOther Purchases 1xGas And Ev Charging 3xChase Travel Purchases 5x
Category Breakdown
How they compare across key categories
Annual Fee
Bilt Mastercard winsBilt Mastercard $0 vs Chase Sapphire Preferred $95
Welcome Bonus
TieBilt Mastercard: No traditional bonus Earn points on rent with no fee vs Chase Sapphire Preferred: 100,000 points after $5,000 in 3 months
Top Earning Rate
Chase Sapphire Preferred winsBilt Mastercard: 1.25x on rent and mortgage vs Chase Sapphire Preferred: 5x on Lyft
Perks & Credits
Chase Sapphire Preferred winsBilt Mastercard: 2 listed benefits vs Chase Sapphire Preferred: 4 listed benefits
Transfer Partners
TieBilt Mastercard: Hyatt, AA, United, Virgin Atlantic, Turkish, Air France/KLM, and more vs Chase Sapphire Preferred: 14 airline and hotel partners
Perks & Benefits
Bilt Mastercard
- Cellular Wireless Telephone Protection
- No Foreign Transaction Fees
Chase Sapphire Preferred
- Chase Travel hotel credit ($100)
- Global Entry/TSA PreCheck credit ($120)
- DoorDash DashPass ($120)
- Apple TV subscription ($0)
Which Is Right for You?
Get the Bilt Mastercard if...
- Lower $0 annual fee
- Earns 1.25x on rent and mortgage
- Cellular Wireless Telephone Protection
Get the Chase Sapphire Preferred if...
- Premium benefits to offset the $95 fee
- Earns 5x on Lyft
- Earns 5x on Chase Travel purchases
- Chase Travel hotel credit ($100)
Frequently Asked Questions
Is the Bilt Mastercard or Chase Sapphire Preferred better?
The Bilt Mastercard ($0) undercuts the Chase Sapphire Preferred ($95) on annual fee. Pick the Bilt Mastercard for everyday rent and mortgage spending (1.25x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Bilt Mastercard or Chase Sapphire Preferred?
The Bilt Mastercard has the lower annual fee at $0, versus $95 for the Chase Sapphire Preferred.
Which card earns points faster?
The Bilt Mastercard earns up to 1.25x on rent and mortgage, while the Chase Sapphire Preferred earns up to 5x on Lyft.
Can I have both the Bilt Mastercard and the Chase Sapphire Preferred?
Yes. They're issued independently, so you can hold both and earn Bilt Points and Ultimate Rewards side by side.
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The Business Platinum Card from American Express
Business · Annual fee $895
200,000 points
after $20,000 in 3 months
- Hotel credit ($600)
- Dell credit ($1150)
- Adobe credit ($250)
American Express Business Gold Card
Business · Annual fee $375
200,000 points
after $15,000 in 3 months
- ChatGPT Business Statement Credit ($300)
- FedEx, Grubhub and Office Supply Statement Credit ($240)
- Walmart+ Statement Credit ($155)
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Hotel credit ($600)
- Digital entertainment credit ($300)
- Uber Cash and One credit ($320)
American Express Gold Card
Personal · Annual fee $250
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Disney Streaming credit ($120)
Chase Sapphire Preferred
Personal · Annual fee $95
100,000 points
after $5,000 in 3 months
- Chase Travel hotel credit ($100)
- Global Entry/TSA PreCheck credit ($120)
- DoorDash DashPass ($120)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Travel credit ($300)
- The Edit hotel credit ($500)
- Dining credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.