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Side-by-side

Bilt Blue vs Southwest Rapid Rewards Performance Business

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Southwest Rapid Rewards Performance Business from Chase at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Southwest Rapid Rewards Performance Business is the stronger pick today, the sign-up bonus is meaningfully larger ($79,900 more in estimated value) than the Bilt Blue's. Get the Southwest Rapid Rewards Performance Business first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueSouthwest Rapid Rewards Performance Business
Annual fee$0$299
Sign-up bonus$100 Bilt Cash80,000 points
Bonus value (est.)$100$80,000
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
    Read the full review
    Bilt Blue
    $0/yr · $100 Bilt Cash
    Read the full review
    Southwest Rapid Rewards Performance Business
    $299/yr · 80,000 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: Southwest Rapid Rewards Performance Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Blue or Southwest Rapid Rewards Performance Business?
    The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, versus $100 Bilt Cash (~$100) on the Bilt Blue.
    Is the Bilt Blue's $0 annual fee worth it compared to the Southwest Rapid Rewards Performance Business?
    The Bilt Blue has no annual fee, so the question is whether the Southwest Rapid Rewards Performance Business's $299 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Performance Business's benefits to clear $299 in value annually, it's worth it; otherwise stick with the Bilt Blue.
    Can I have both the Bilt Blue and Southwest Rapid Rewards Performance Business?
    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 Southwest Rapid Rewards Performance Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Southwest Rapid Rewards Performance Business: $5,000 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.