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Side-by-side

Bilt Blue vs IHG One Rewards Premier

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($825 more in estimated value) than the Bilt Blue's. Get the IHG One Rewards Premier first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueIHG One Rewards Premier
Annual fee$0$99
Sign-up bonus$100 Bilt Cash185,000 bonus points
Bonus value (est.)$100$925
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelhotel
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
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 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: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or IHG One Rewards Premier?
The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the IHG One Rewards Premier?
The Bilt Blue has no annual fee, so the question is whether the IHG One Rewards Premier's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and IHG One Rewards Premier?
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 IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. IHG One Rewards Premier: $3,000 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.