Bilt Mastercard vs Chase Sapphire Preferred
Bilt Points vs Ultimate Rewards
Verified October 2026
The Bilt Mastercard ($0) undercuts the Chase Sapphire Preferred ($95) on annual fee. Pick the Bilt Mastercard for everyday rent day dining spending (6x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x).
At a Glance
Bilt Mastercard
- Annual Fee
- $0
- Signup Bonus
- 100 points
- Network
- Mastercard
- Points Currency
- Bilt Points
- Earning Rates
-
Rent 1x (up to 100k/yr)Dining 3xTravel 2xEverything Else 1xRent Day Dining 6x (1st of month)Rent Day Travel 4x (1st of month)
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xAll Other Purchases 1xTravel Booked Through Chase Travel 5x
Category Breakdown
How they compare across key categories
Annual Fee
Bilt Mastercard winsBilt Mastercard $0 vs Chase Sapphire Preferred $95
Welcome Bonus
Chase Sapphire Preferred winsBilt Mastercard: 100 points vs Chase Sapphire Preferred: 75,000 points after $5,000 in 3 months
Top Earning Rate
Bilt Mastercard winsBilt Mastercard: 6x on rent day dining vs Chase Sapphire Preferred: 5x on Lyft
Perks & Credits
Bilt Mastercard winsBilt Mastercard: 6 listed benefits vs Chase Sapphire Preferred: 3 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
- No annual fee
- No transaction fee on rent
- Rent Day bonus earning (1st of month)
- Bilt Dining rewards at partner restaurants
- Lyft rewards
- No foreign transaction fees
Chase Sapphire Preferred
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Which Is Right for You?
Get the Bilt Mastercard if...
- Lower $0 annual fee
- Earns 6x on rent day dining
- Earns 4x on rent day travel
- No annual fee
Get the Chase Sapphire Preferred if...
- Premium benefits to offset the $95 fee
- Earns 5x on Lyft
- Earns 5x on travel booked through Chase Travel
- Hotel credit ($50)
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 day dining spending (6x); 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 6x on rent day dining, 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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.