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Side-by-side

Bilt Blue vs Chase Aeroplan Credit Card

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Chase Aeroplan Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Aeroplan Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,025 more in estimated value) than the Bilt Blue's. Get the Chase Aeroplan Credit Card first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Aeroplan Credit Card
Annual fee$0$95
Sign-up bonus$100 Bilt Cash75,000 bonus points
Bonus value (est.)$100$1,125
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltaeroplan
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 3x on Air Canada + dining + grocery
  • Free checked bag
  • Companion pass
  • UR transfer
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Chase Aeroplan Credit Card
$95/yr · 75,000 bonus points

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Editorial take: Chase Aeroplan Credit Card

Aeroplan is one of the best Star Alliance programs for sweet-spot redemptions. This card is a great way to earn Aeroplan miles directly, plus the UR transfer option gives flexibility.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Chase Aeroplan Credit Card?
The Chase Aeroplan Credit Card has the bigger bonus, 75,000 bonus points, worth roughly $1,125, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Chase Aeroplan Credit Card?
The Bilt Blue has no annual fee, so the question is whether the Chase Aeroplan Credit Card's $95 fee is justified by its perks. If you'll use enough of the Chase Aeroplan Credit Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Chase Aeroplan Credit Card?
Yes, since they're from different issuers (Bilt / Cardless and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Bilt Blue or the Chase Aeroplan Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Chase Aeroplan Credit Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.