Bilt Mastercard vs Chase Sapphire Preferred
Which card is better in 2026? We break down fees, rewards, perks, and point values so you can decide.
Bilt Mastercard
Bilt (Wells Fargo)
Renters who want to earn transferable points on their biggest monthly expense
Chase Sapphire Preferred
Chase
Travelers who want a strong welcome bonus and Chase transfer partners
| Feature | Bilt Mastercard | Chase Sapphire Preferred |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | None (ongoing Rent Day bonuses) | 60,000 Ultimate Rewards |
| Bonus Value | $0 | $750 |
| Dining | 3x | 3x |
| Groceries | 2x | 1x |
| Travel | 2x | 2x |
| Gas | 1x | 1x |
| Streaming | 1x | 3x |
| Everything Else | 1x (5x on Rent Day) | 1x |
| Point Value | 1.5 cpp | 1.25 cpp |
Bilt Mastercard Key Perks Best
- Earn points on rent (up to 100,000/year)
- No annual fee
- 1:1 transfers to Hyatt, United, AA, and more
- Rent Day double points (1st of each month)
Chase Sapphire Preferred Key Perks
- $50 annual hotel credit
- Trip cancellation insurance
- No foreign transaction fees
- Primary rental car insurance
The Verdict
Winner: Bilt Mastercard. Bilt wins for renters — no other card lets you earn points on rent with no fees. If your rent is $2,000/month, that's 24,000 points/year from rent alone (72,000 on Rent Days). The CSP wins on the welcome bonus ($750 value) and travel protections, but Bilt's $0 annual fee and rent earning are game-changing.
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Related Comparisons
Bilt wins for renters paying $1,500+/month in rent — those rent points alone outvalue the Amex Gold's higher earn rates on dining and groceries. If you don't pay rent (or own your home), the Amex Gold is the clear winner with 4x on dining and groceries plus $240 in credits. The ideal setup is carrying both.
Read comparisonThe Amex Gold dominates for anyone spending $500+/month on dining and groceries combined. The 4x earn rate in both categories plus $240 in annual credits (dining + Uber) make the $250 fee easy to justify. The CSP wins only if you value Chase transfer partners or want a lower annual fee.
Read comparisonThe Reserve wins for travelers spending $5K+ on travel annually — the $300 credit effectively drops the fee to $250, and 1.5 cpp redemption value beats the Preferred's 1.25 cpp. But if you travel less than twice a year, the Preferred is the smarter pick.
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