Bilt Blue vs Choice Privileges Select Mastercard

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Choice Privileges Select Mastercard?

The Bilt Blue has a public bonus ($100 Bilt Cash, worth roughly $100), while the Choice Privileges Select Mastercard doesn't advertise one right now.

Is the Bilt Blue's $0 annual fee worth it compared to the Choice Privileges Select Mastercard?

The Bilt Blue has no annual fee, so the question is whether the Choice Privileges Select Mastercard's $95 fee is justified by its perks. If you'll use enough of the Choice Privileges Select Mastercard's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and Choice Privileges Select Mastercard?

Yes, since they're from different issuers (Bilt / Cardless and Wells Fargo) 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 Choice Privileges Select Mastercard first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Choice Privileges Select Mastercard: $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.