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Side-by-side

Bilt Blue vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt BlueSouthwest Rapid Rewards Priority
Annual fee$0$229
Sign-up bonus$100 Bilt Cash60,000 points
Bonus value (est.)$100$560
Min spend to unlock bonus$0 in 0 mo$2,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytravelairline
Best earning category (Lyft)3x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 7,500 anniversary points each year
  • Group 5 boarding (you + up to 8 on the reservation)
  • Unlimited Extra Legroom upgrades within 48h of departure (when available)
  • 4x on Southwest; 10,000 Companion Pass qualifying points each year
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points

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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Southwest Rapid Rewards Priority?
The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $560, 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 Priority?
The Bilt Blue has no annual fee, so the question is whether the Southwest Rapid Rewards Priority's $229 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Priority's benefits to clear $229 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Southwest Rapid Rewards Priority: $2,000 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.