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.

What benefits does the Bilt Blue Card have that the Chase Freedom Unlimited doesn't?

The Bilt Blue Card offers cell phone protection. The Chase Freedom Unlimited focuses more on earn rates than premium perks.

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 leads on rent and dining; the Chase Freedom Unlimited on travel.

Card data as of September 27, 2026.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

$100 in rewards

$200 cash back

Earn Rates

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

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Cell phone protection

✓Purchase protection

✓Rental car insurance

✓Travel insurance

✓Purchase protection

✓Rental car insurance

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 6 of 6 categories. The Bilt Blue Card leads in 0.

Rent

Chase Freedom Unlimited earns 1.5X vs 1.25X

Mortgage

Chase Freedom Unlimited earns 1.5X vs 1.25X

Travel

Chase Freedom Unlimited earns 5X vs 1X

5X via issuer travel portal

Dining

Chase Freedom Unlimited earns 3X vs 1X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

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

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).

Scenario

The Bottom Line

Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 1.5X on the Chase Freedom Unlimited vs 1X on the other card.

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.
What benefits does the Bilt Blue Card have that the Chase Freedom Unlimited doesn't?: The Bilt Blue Card offers cell phone protection. The Chase Freedom Unlimited focuses more on earn rates than premium perks.
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

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Official issuer pages: Cardless cards · Chase cards

Light spender: $1,000/month	Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $364	Rewards: $373 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $373 Year one: $603	Chase Freedom Unlimited	Chase Freedom Unlimited
Heavy spender: $4,000/month	Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,156	Rewards: $1,490 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,490 Year one: $1,720	Chase Freedom Unlimited	Chase Freedom Unlimited