Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Chase Sapphire Preferred

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Chase Sapphire Preferred first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Chase Sapphire Preferred
Annual fee$0$95
Sign-up bonusClosed to new applicants75,000 points
Bonus value (est.)$0$1,500
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytraveltravel
Best earning category (Dining)3x3x
Transfer partnersbiltchase-ur
Headline benefits
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points

Editorial take: Bilt Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Chase Sapphire Preferred?
The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Chase Sapphire Preferred?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Chase Sapphire Preferred's $95 fee is justified by its perks. If you'll use enough of the Chase Sapphire Preferred's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Mastercard (legacy, Wells Fargo).
Can I have both the Bilt Mastercard (legacy, Wells Fargo) and Chase Sapphire Preferred?
Yes, since they're from different issuers (Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo) or the Chase Sapphire Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Chase Sapphire Preferred: $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.