Bilt Rewards and Chase Final Rewards® each allow you to flip on a regular basis spending into factors you’ll be able to redeem for journey at a set charge or switch to frequent flyer and resort loyalty applications, usually with an opportunity to get extra worth.
Chase has constructed its popularity with a broad lineup of journey playing cards, sturdy welcome bonuses and acquainted switch companions. In the meantime, Bilt presents a smaller set of playing cards, the power to earn factors on lease and mortgage funds, and a deep bench of switch companions.
Each applications carry actual strengths to the desk, and loads of folks carry playing cards from each moderately than selecting one. Which one finally ends up mattering extra for you depends upon your spending, journey habits and preferences.
An summary of Bilt Rewards vs. Chase Final Rewards®
Each Bilt Rewards and Chase Final Rewards® are transferable currencies, which implies you are incomes one versatile foreign money, not miles or factors tied to a single rewards program.
You’ll be able to transfer them to a companion program as an alternative, and relying on how you propose your redemptions, you will get far more worth than sticking with the bottom applications. Here is the place every program shines, and the place it comes up brief.
The catch is that Bilt’s card lineup is model new and nonetheless discovering its footing. Bilt relaunched its bank cards in January 2026, swapping out the unique no-fee Wells Fargo card for 3 new playing cards serviced by Cardless, with annual charges starting from $0 to $495.
Maximizing your rewards on housing funds requires you to select between two completely different incomes buildings, and determining which one nets you extra factors could be a problem. For individuals who simply need a card that works with out additional homework, that complexity alone may very well be sufficient to look elsewhere.
Bilt Blue Card
on Bilt’s web site
Charges & Charges
Bilt Obsidian Card
on Bilt’s web site
Charges & Charges
Bilt Palladium Card
on Bilt’s web site
Charges & Charges
Bilt Factors on lease/mortgage funds
Bilt Factors on different spending
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3x factors in your alternative of eating or grocery (on as much as $25K in spending per yr within the grocery class). Your alternative class could also be modified every year.
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2x factors on journey.
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1x factors on on a regular basis purchases. (You will additionally earn 4% again in Bilt Money on these purchases, if you happen to select that possibility.)
$100 of Bilt Money while you apply and get accredited. On the finish of every calendar yr, any Bilt Money stability over $100 will expire.
$200 of Bilt Money while you apply and get accredited. On the finish of every calendar yr, any Bilt Money stability over $100 will expire.
50,000 Bilt Factors + Gold Standing after spending $4,000 on on a regular basis purchases within the first 90 days + $300 of Bilt Money.
Annual $200 Bilt Money credit score.
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A number of switch companions.
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$100 Bilt Journey portal resort credit score, break up semi-annually, per calendar yr. (Minimal two-night keep required.)
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A number of switch companions.
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$400 Bilt Journey portal resort credit score, break up semi-annually, per calendar yr. (Minimal two-night keep required.)
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Entry to taking part Precedence Cross lounges and landings. (Two friends allowed on each go to.)
10% intro APR on purchases for the primary 12 billing cycles from account opening, after which the continued APR of 26.74%-34.74% Variable APR
10% intro APR on purchases for the primary 12 billing cycles from account opening, after which the continued APR is 26.74%-34.74% Variable APR
10% intro APR on purchases for the primary 12 billing cycles from account opening, after which the continued APR is 26.74%-34.74% Variable APR
Chase has 14 switch companions, together with 10 airways and 4 resorts, and it is a mixture of family names like Southwest, United, Hyatt and Marriott alongside just a few worldwide carriers, like Aer Lingus and Iberia. Most switch at a 1:1 ratio.
Reserving journey by means of Chase nets you simply 1 cent per level, however some playing cards provide a Factors Increase characteristic that may push sure Chase Journey bookings as much as 1.5 or 2 cents per level.
Chase Sapphire Most well-liked® Card
Chase Sapphire Reserve®
Chase Sapphire Most well-liked® Card
Chase Sapphire Reserve®
$795 plus $195 for every approved consumer.
Chase Sapphire Most well-liked® Card
• 5x factors on all Chase Journey℠ purchases (exclusions apply).
• 5x on Lyft rides and Peloton gear (for a restricted time; phrases apply).
• 3x factors on eating, takeout and eligible supply worldwide.
• 3x factors for on-line grocery purchases (exclusions apply).
• 3x factors for trip properties booked by means of platforms like Airbnb and Vrbo.
• 3x factors on gasoline and EV charging.
• 3x factors on some streaming providers.
• 2x factors on all different journey.
• 1x level on all different purchases.
Chase Sapphire Reserve®
• 8 factors per $1 spent on all journey booked by means of Chase.
• 4 factors per $1 spent on bookings instantly by means of an airline or resort.
• 3 factors per $1 spent on eating, takeout and eligible supply worldwide.
• 1 level per $1 spent on all different purchases.
Chase Sapphire Most well-liked® Card
Factors value as much as 75% extra on choose redemptions for journey booked by means of Chase.
Chase Sapphire Reserve®
Factors value as much as 100% extra on choose redemptions for journey booked by means of Chase.
Chase Sapphire Most well-liked® Card
Chase Sapphire Reserve®
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As much as $500 in credit score for The Edit (Chase’s high-end resort portal). This comes within the type of two $250 credit a yr.
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$300 annual journey credit score.
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$120 in Lyft credit score, out there at $10 a month, by means of Sept. 30, 2027.
Chase Sapphire Most well-liked® Card
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Journey protections, together with auto rental collision harm waiver and baggage delay insurance coverage.
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No international transaction charges.
Chase Sapphire Reserve®
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Chase Sapphire Lounge and Precedence Cross Choose lounge entry.
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Journey protections, together with auto rental collision harm waiver and baggage delay insurance coverage.
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Complimentary IHG One Rewards Platinum Elite standing by means of Dec. 31, 2027.
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No international transaction charges.
Chase Sapphire Most well-liked® Card
Chase Sapphire Reserve®
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As much as $300 in credit score at eating places within the Sapphire Reserve Unique Tables program. This, too, comes as two separate credit — $150 in every half of the yr.
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As much as $300 in assertion credit score for StubHub, within the type of two $150 credit a yr by means of Dec. 31, 2027. Enrollment required.
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Complimentary Apple TV+ and Apple Music subscriptions by means of June 22, 2027.
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As much as $120 in credit score towards Peloton membership, out there at $10 a month, plus you earn 10 factors per greenback on eligible Peloton purchases by means of Dec. 31, 2027.
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As much as $300 in DoorDash promos, within the type of two $10 promos on non-restaurant orders and one $5 promo on a restaurant order every month.
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Complimentary DashPass for no less than one yr while you activate by means of Dec. 31, 2027.
Selecting between Bilt and Chase factors
Neither program wins throughout the board. Which one earns you extra worth depends upon the way you spend, what sort of journeys you ebook, and the way a lot complexity you are keen to place up with to squeeze probably the most worth out of your journey rewards.
With Chase, the mathematics is pretty easy. Choose a card that gives level transfers primarily based in your high spending classes and perks you will truly use. If you wish to go all-in on Final Rewards®, you’ll be able to spherical out your pockets with different Final Rewards® playing cards that earn stronger rewards in numerous classes.
If you happen to journey lots and wish airport lounge entry thrown in, the Chase Sapphire Reserve®’s advantages — equivalent to a $300 annual journey credit score, airport lounge entry, and a number of life-style credit and perks — can offset a significant chunk of that annual charge.
With Bilt, the mathematics begins with how a lot of your month-to-month funds goes towards lease or a mortgage. Bilt’s housing rewards take advantage of sense for individuals who already pay a number of thousand {dollars} a month in lease or a mortgage and need a low-effort technique to flip that expense into factors — although determining which path to take to maximise rewards is a bit complicated.
Evaluate switch companions
On common, transferring to an airline or resort companion will get you probably the most worth out of both foreign money. Here is how the 2 units of playing cards stack up:
Full checklist of Bilt switch companions
Full checklist of Chase switch companions
Airways
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Aer Lingus (1:1 ratio).
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Air Canada (1:1 ratio).
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Air France-KLM (1:1 ratio).
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British Airways (1:1 ratio).
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Iberia (1:1 ratio).
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JetBlue (1:1 ratio).
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Singapore (1:1 ratio).
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Southwest (1:1 ratio).
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United (1:1 ratio).
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Virgin Atlantic (1:1 ratio).
Lodges
Bilt has significantly extra switch companions than Chase, and practically each Chase companion can be a Bilt companion. The one two Chase has that Bilt does not are JetBlue TrueBlue and Singapore Airways KrisFlyer.
Weigh your different redemption choices
Transferring to a companion program is normally the perfect use of both foreign money, nevertheless it’s not the one possibility.
Chase usually wins on flexibility right here. Each card that earns Final Rewards® factors — not simply the three that switch — permits you to redeem rewards for money again or assertion credit at a flat 1 cent per level. Chase’s journey portal additionally presents no less than 1 cent per level towards flights, resorts and rental automobiles, and the Factors Increase characteristic can push choose bookings as much as 1.5 cents and even 2 cents, relying in your card.
Bilt, however, does not enable money redemptions. You should utilize your factors to ebook journey by means of Bilt at a charge of 1.25 cents per level, beating Chase’s baseline charge. Past journey, you can even redeem factors to cowl an upcoming lease or mortgage fee, pay down scholar loans with a number of main servicers, purchase reward playing cards, store with Amazon or Lyft or put cash towards a house down fee at a charge of 1.5 cents per level. Nevertheless, most different choices are typically value much less.
You do not have to select only one
You do not have to choose one program and keep it up perpetually. Somebody who rents an house or owns a house and travels sometimes may get actual worth out of Bilt’s housing rewards characteristic whereas nonetheless holding a Chase card for its Factors Increase characteristic and extra versatile cash-back possibility.
Maintain monitor of the annual charges for every card in your pockets to make sure you’re getting sufficient worth to offset the fee. It is also necessary to keep away from getting playing cards with too many overlapping bonus rewards charges and advantages.
