The Bilt Mastercard® (see charges and costs) and the Chase Sapphire Most popular® Card (see charges and costs) are two of the preferred bank cards obtainable. They each goal particular individuals, with the Bilt Mastercard aimed toward renters and the Sapphire Most popular geared towards on a regular basis vacationers.
That mentioned, the 2 playing cards overlap in some key areas. We’ll undergo the main points of the Bilt Mastercard and the Chase Sapphire Most popular so you’ll be able to resolve which is best for you — or if it is smart to have each.
Bilt Mastercard vs. Sapphire Most popular comparability
| Bilt Mastercard | Chase Sapphire Most popular | |
|---|---|---|
| Annual price | $0 (see charges and costs) | $95 |
| Welcome supply | None | Earn 100,000 bonus factors after spending $5,000 within the first three months from account opening. |
| Bonus classes |
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| Different advantages |
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Bilt Mastercard vs. Sapphire Most popular welcome bonus
There is not a variety of competitors right here. The Bilt Mastercard would not supply a welcome bonus, in contrast to the Sapphire Most popular.
At the moment, new Sapphire Most popular cardholders can earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Based on TPG’s April 2025 valuations, 100,000 Chase Final Rewards factors are price $2,050.
Welcome bonuses are a heavy think about figuring out what card TPG bank cards editor Olivia Mittak opens, so the Bilt Mastercard missing one has brought on her to delay opening it in favor of different playing cards.
Winner: Chase Sapphire Most popular. Because the Bilt Mastercard would not have a welcome supply, the winner is evident right here.
Associated: The last word information to bank card utility restrictions
Bilt Mastercard vs. Sapphire Most popular advantages
Each of those playing cards supply nice advantages. The Bilt Mastercard’s most well-known perk is its skill to earn you factors (as much as 100,000 factors in a calendar 12 months) on hire with out incurring further transaction charges (see charges and costs).
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Moreover, the cardboard provides particular perks on the primary of each month, dubbed “Bilt Lease Day.”
These Bilt Lease Day advantages can range, however up to now, we have seen perks like complimentary Hilton Gold standing for a restricted time, switch bonuses when shifting factors to airline companion applications and particular cruise offers.
On condition that the Bilt Mastercard has no annual price (see charges and costs), we’re an enormous fan of this specific profit.
Different notable advantages embody no overseas transaction charges (see charges and costs) and journey protections, corresponding to:
- Auto Rental Collision Harm Waiver
- Journey Cancellation and Interruption Safety
- Journey Delay Reimbursement
The Sapphire Most popular provides nice advantages for a $95 annual price. With this card, you may obtain a $50 annual credit score for resort purchases booked by Chase Journey.
Olivia’s favourite perk with this card is its complimentary DashPass membership (when activated by Dec. 31, 2027). She likes to order meals supply on the finish of a busy week, so having her membership price lined by her Sapphire Most popular is a unbelievable profit for her.
The Sapphire Most popular additionally offers bonus factors equal to 10% of your spending within the earlier 12 months, delivered to your Final Rewards account after your account anniversary.
Plus, this card provides cardholders entry to Chase’s switch companions to allow them to redeem Final Rewards factors for optimum worth.
Just like the Bilt Mastercard, the Sapphire Most popular has no overseas transaction charges and contains sure journey protections, together with:
- Auto rental collision harm waiver
- Baggage delay insurance coverage
- Misplaced baggage reimbursement
- Journey cancellation/interruption insurance coverage
- Journey delay reimbursement
- Journey and emergency help companies
Winner: Chase Sapphire Most popular. This card has a number of extra advantages than the Bilt Mastercard, together with further journey protections and a press release credit score. Regardless of that, it is a shut race. The Bilt Mastercard additionally has lots to supply.
Incomes factors on the Bilt Mastercard vs. the Sapphire Most popular
Each playing cards earn factors on related purchases, however the Sapphire Most popular has extra bonus classes than the Bilt Mastercard.
With the Bilt Mastercard, you may earn:
- No less than 5 factors per greenback with Bilt Neighborhood Eating companions
- 5 factors per greenback spent with Lyft after linking your Bilt and Lyft accounts
- 3 factors per greenback spent on different eating purchases
- 2 factors per greenback spent on journey and on choose purchases at Walgreens
- 1 level per greenback spent on hire funds (as much as 100,000 factors per 12 months)
- 1 level per greenback spent on all different purchases
In the meantime, Sapphire Most popular cardholders earn:
- 5 factors per greenback on Lyft (by Sept. 2027)
- 5 factors per greenback spent on journey booked by Chase Journey
- 3 factors per greenback spent on eating (together with takeout and supply), on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment) and choose streaming companies
- 2 factors per greenback spent on all different journey purchases
- 1 level per greenback spent on every part else
An ideal perk of the Bilt Mastercard is that it earns double factors on the primary of every month, excluding hire funds. Meaning you may earn 10 factors per greenback on Lyft, 6 factors per greenback on choose eating, 4 factors per greenback on journey and a pair of factors per greenback on all different purchases.
Further factors are capped at 1,000 factors every Bilt Lease Day, however in case you can maximize it, it is a good bonus-earning alternative every month. Simply understand that you should use your Bilt Mastercard 5 instances every assertion interval to earn factors.
Winner: Bilt Mastercard. Whereas the Sapphire Most popular has robust bonus classes, the Bilt Mastercard earns factors on hire and provides a double factors bonus as soon as every month.
Redeeming factors on the Bilt Mastercard vs. the Sapphire Most popular
With the Bilt Mastercard, you’ll be able to redeem your factors for health courses, merchandise from the Bilt Assortment, Amazon purchases, hire funds, down funds and journey.
Redeeming your factors for journey will all the time give one of the best worth, however the different redemption choices are fascinating. Amazon and merchandise are frequent redemption selections, however with the ability to redeem factors for hire or a down cost on a home makes the Bilt Mastercard stand out among the many competitors.
As for the Sapphire Most popular, you’ll be able to redeem your Final Rewards factors for assertion credit, reward playing cards, merchandise, journey and curated experiences by Chase. As with Bilt factors, probably the most beneficial means to make use of your Final Rewards factors is for journey.
One essential be aware is that each playing cards supply cardholders the power to redeem factors by their journey portal at a charge of 1.25 cents per level — the next worth than the 1 cent per level you may get with many different playing cards.
Winner: Tie. Each playing cards supply a wide range of beneficial redemption choices.
Associated: Why I selected the Chase Sapphire Most popular as my subsequent bank card
Transferring factors with the Bilt Mastercard vs. the Sapphire Most popular
Each of those playing cards have airline and resort companions, so cardholders can switch factors. At the moment, Bilt provides 18 complete switch companions, whereas Chase is available in barely behind with 14 companions.
Notable companions that each playing cards share embody:
Bilt has a number of switch companions that Chase doesn’t, together with Alaska Airways Mileage Plan, Avianca LifeMiles and Turkish Miles&Smiles.
In the meantime, Chase cardholders take pleasure in entry to Singapore KrisFlyer, Southwest Speedy Rewards and JetBlue TrueBlue, all airways that Bilt cardholders cannot switch to.
TPG bank cards author Augusta Stone used Bilt factors to assist pay for a visit to Miami for a cruise. She transferred 9,000 factors to World of Hyatt to prime off her account for a 12,000-point redemption. She additionally transferred a further 19,000 factors to American Airways AAdvantage to place towards a 31,000-point award ticket.
Whereas American Airways is now not a Bilt switch companion, it is a nice instance of get a variety of worth from switch companions.
Winner: Tie. This matchup comes down to non-public choice since each playing cards share main switch companions and have choices that the opposite doesn’t.
Ought to I get the Bilt Mastercard or the Sapphire Most popular?
Each of those playing cards have nice advantages, stable incomes classes and a unbelievable vary of switch companions. In case you hire an condo and spend lots on eating, we suggest selecting the Bilt Mastercard. Nonetheless, we suggest the Sapphire Most popular in case you journey ceaselessly or discover Chase’s switch companions extra interesting.
Backside line
When you could be able the place you must select one or the opposite, these playing cards could make a highly effective pair in your pockets. Having each playing cards opens up an enormous vary of switch companions so that you can entry and covers many frequent bonus classes. Plus, solely one among these playing cards has an annual price (see Bilt Mastercard charges and costs).
Earlier than making use of for both card, rigorously weigh the professionals and cons of every and think about your private targets. No matter which choice you choose, you may have a strong card so as to add to your pockets.
To study extra, try our full opinions of the Bilt Mastercard and the Chase Sapphire Most popular.
Apply right here: Bilt Mastercard
Apply right here: Chase Sapphire Most popular
For charges and costs on the Bilt Mastercard, click on right here.
For rewards and advantages on the Bilt Mastercard, click on right here.
