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Side-by-side

Bilt Blue vs Chase Ink Business Cash

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

Bottom line

For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($900 more in estimated value) than the Bilt Blue's. Get the Chase Ink Business Cash first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Ink Business Cash
Annual fee$0$0
Sign-up bonus$100 Bilt Cash$1,000 bonus cash back
Bonus value (est.)$100$1,000
Min spend to unlock bonus$0 in 0 mo$8,000 in 4 mo
IssuerColumn N.A.Chase
Card categorytravelbusiness
Best earning category (Lyft)3x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Chase Ink Business Cash
$0/yr · $1,000 bonus cash back

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

Editorial take: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Chase Ink Business Cash?
The Chase Ink Business Cash has the bigger bonus, $1,000 bonus cash back, worth roughly $1,000, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Chase Ink Business Cash?
The Bilt Blue has no annual fee, so the question is whether the Chase Ink Business Cash's $0 fee is justified by its perks. If you'll use enough of the Chase Ink Business Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Chase Ink Business Cash?
Yes, since they're from different issuers (Column N.A. 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 Ink Business Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Chase Ink Business Cash: $8,000 in 4 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.