Head to head
Chase Sapphire Preferred Card vs Bilt World Elite Mastercard
Bilt World Elite Mastercard leads 2 to 1 on the 3 rankable specs and charges $95 a year less, which makes it the straightforward pick. Most of the 10 attributes tracked here are descriptive rather than numeric.
Catalog as of September 1, 2026
Why, in numbers
Swap
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Compare a different credit card
Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrCapital One SavorOne Cash Rewards$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrBuying for
Straight answer
Overall: 1 to 2
Buy the Bilt World Elite Mastercard.
- Leads 2 of 3 rankable overall specs; Chase Sapphire Preferred Card takes 1.
- Annual fee: $0 vs $95
- Regular APR: 20.74% – 28.74% Variable APR vs 21.49% – 28.49% Variable APR
- It also charges $95 less a year.
Deal-breakers
tick what would make you walk away
- Trips:Chase Sapphire Preferred Card · $95Clear:Bilt World Elite Mastercard · $0
- Trips:Chase Sapphire Preferred Card · NoTrips:Bilt World Elite Mastercard · No (No airport lounge access)
- Trips:Chase Sapphire Preferred Card · None (Variable APR applies from account…Trips:Bilt World Elite Mastercard · 0% intro APR for 0 months
At a glance
The handful of numbers that decide most purchases in this category.
Annual fee
Chase
$95
Bilt
$0
Rewards rate
Chase
5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other
Bilt
3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month)
True 3-Year Cost of Ownership (TCO)
Chase Sapphire Preferred Card
Bilt World Elite Mastercard
The 90-Day Owner Regret Check
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Bilt: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Fees & Rates
leads 2-0| Annual fee | $95 | $0 (wins this row: lower) |
|---|---|---|
| Regular APR | 21.49% – 28.49% Variable APR | 20.74% – 28.74% Variable APR (wins this row: lower) |
| Foreign transaction fee | None (0%) | None (0%) |
| Late fee | Up to $40 | Up to $40 |
Rewards & Perks
leads 1-0| Rewards rate | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other (wins this row: higher) | 3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month) |
|---|---|---|
| Sign-up bonus | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value) | None (earn points on monthly rent with no fee) |
| Intro APR offer | None (Variable APR applies from account opening) | 0% intro APR for 0 months (none) |
| Lounge access | No | No (No airport lounge access) |
Card Details
2 differences| Credit neededOur summary | Good to Excellent (690–850) | Good to Excellent (670–850) |
|---|---|---|
| Network | Visa Signature | Mastercard World Elite |
Which one should you buy
Pick this one if
Chase Sapphire Preferred Card
The benchmark travel rewards card with 5X points on travel through Chase, 3X dining, and 1:1 point transfers.
- Points are worth 25% more when redeemed for travel through Chase Travel
- 1:1 point transfers to Hyatt, United, Southwest, and British Airways
- Primary rental car collision damage waiver insurance
What you give up
- No airport lounge access
- $95 annual fee is not waived the first year
Pick this one if
Bilt World Elite Mastercard
Revolutionary $0 annual fee rewards card that earns points on rent with no transaction fee, plus 3X on dining and 2X on travel.
- Earn 1X points on rent payments up to 100,000 points per calendar year with $0 transaction fees
- $0 annual fee and no foreign transaction fees
- Valuable 1:1 transfer partners including Hyatt, United Airlines, and Air France/KLM
What you give up
- Must make at least 5 transactions each billing cycle to earn points
- No traditional upfront sign-up welcome bonus
Best for each use
Travel
Tied on travel. Bilt World Elite Mastercard charges less a year.
Everyday cash back
For everyday cash back, buy the Bilt World Elite Mastercard.
Carrying a balance
For carrying a balance, buy the Bilt World Elite Mastercard.
Done deciding?
Open the full standalone spec sheet for either device.
Manufacturer pages: Chase Sapphire Preferred Card ↗ · Bilt World Elite Mastercard ↗
Common questions
Which card has the lower annual fee, Chase Sapphire Preferred Card or Bilt World Elite Mastercard?
Bilt World Elite Mastercard charges $95 a year less.
What is the biggest catch with the Chase Sapphire Preferred Card or Bilt World Elite Mastercard?
Chase Sapphire Preferred Card has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Preferred Card or the Bilt World Elite Mastercard?
Tied on travel. Bilt World Elite Mastercard charges less a year. The 2 rankable travel specs split 1 to 1. Saves $95 a year in fees.
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.