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Bilt Blue Card vs Chase Freedom Flex
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Chase Freedom FlexChase |
|---|---|---|
| Rating | 4.2/5 | 4.6/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 18.24% - 27.74% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | $200 bonus after spending $500 in 3 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Flex
With a 4.6/5 rating, the Chase Freedom Flex edges out the Bilt Blue Card (4.2/5). No annual fee makes it easy to justify. The Chase Freedom Flex combines rotating 5% categories with permanent 3% on dining and drugstores. It's a no-fee powerhouse that pairs with Sapphire cards to unlock travel transfer partners.