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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Sapphire Reserve for Business

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,595 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Sapphire Reserve for Business first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Sapphire Reserve for Business
Annual fee$0$795
Sign-up bonusClosed to new applicants150,000 points
Bonus value (est.)$0$2,595
Min spend to unlock bonus$0 in 0 mo$20,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelbusiness
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)
    Read the full review
    Bilt Mastercard (legacy, Wells Fargo)
    $0/yr · Closed to new applicants
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 150,000 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: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 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 Sapphire Reserve for Business?
    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 Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Sapphire Reserve for Business: $20,000 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.