Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Blue Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bilt Blue Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	1X	3X
Lyft	3X	1.5X
Mortgage	1.25X	1.5X
Rent	1.25X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Chase Freedom Unlimited wins in 4 of 5 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Blue Card earns 3X vs 1.5X

Rent

Chase Freedom Unlimited earns 1.5X vs 1.25X

Mortgage

Chase Freedom Unlimited earns 1.5X vs 1.25X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bilt Blue Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bilt Blue Card

Cardless

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bilt Blue Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	1X	3X
Lyft	3X	1.5X
Mortgage	1.25X	1.5X
Rent	1.25X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Chase Freedom Unlimited wins in 4 of 5 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Blue Card earns 3X vs 1.5X

Rent

Chase Freedom Unlimited earns 1.5X vs 1.25X

Mortgage

Chase Freedom Unlimited earns 1.5X vs 1.25X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Chase cards

Bilt Blue Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bilt Blue Card

Cardless

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bilt Blue Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	1X	3X
Lyft	3X	1.5X
Mortgage	1.25X	1.5X
Rent	1.25X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Chase Freedom Unlimited wins in 4 of 5 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Blue Card earns 3X vs 1.5X

Rent

Chase Freedom Unlimited earns 1.5X vs 1.25X

Mortgage

Chase Freedom Unlimited earns 1.5X vs 1.25X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Chase cards