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Side-by-side

Bilt Blue vs Chase Ink Business Unlimited

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Chase Ink Business Unlimited 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 Unlimited 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 Unlimited first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Ink Business Unlimited
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
  • 1.5% on everything
  • $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 Unlimited
$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 Unlimited

The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Chase Ink Business Unlimited?
The Chase Ink Business Unlimited 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 Unlimited?
The Bilt Blue has no annual fee, so the question is whether the Chase Ink Business Unlimited's $0 fee is justified by its perks. If you'll use enough of the Chase Ink Business Unlimited'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 Unlimited?
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 Unlimited first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Chase Ink Business Unlimited: $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.