Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Bilt Blue Card vs Chase Sapphire Preferred Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Blue Card

Cardless

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Bilt Blue Card	Chase Sapphire Preferred Card
Dining	3X	3X
Grocery Delivery

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.

Lyft

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Bilt Blue Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Sapphire Preferred Card — 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 Sapphire Preferred Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Blue Card

Cardless

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Bilt Blue Card	Chase Sapphire Preferred Card
Dining	3X	3X
Grocery Delivery

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.

Lyft

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Chase cards

Bilt Blue Card vs Chase Sapphire Preferred Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Blue Card

Cardless

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Bilt Blue Card	Chase Sapphire Preferred Card
Dining	3X	3X
Grocery Delivery

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.

Lyft

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Bilt Blue Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Chase Sapphire Preferred Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Bilt Blue Card have that the Chase Sapphire Preferred Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Bilt Blue Card or the Chase Sapphire Preferred Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Chase cards

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)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

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
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

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)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

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
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

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)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

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
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

Bilt Blue Card vs Chase Sapphire Preferred Card

Bilt Blue Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Chase Sapphire Preferred Card

Bilt Blue Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Chase Sapphire Preferred Card

Bilt Blue Card

Chase Sapphire Preferred Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?