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Bilt Blue Card vs United Explorer Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | United Explorer CardChase |
|---|---|---|
| Rating | 4.2/5 | 4.3/5 |
| Annual Fee | $0 | $95 |
| APR | 21.49% - 29.49% | 19.49% - 27.99% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | 70,000 bonus miles after spending $3,000 in 3 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 2X on United purchases, dining, and hotel stays, 1X 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 | Free first checked bag saves $70+ per round trip for 2 travelers Two United Club one-time passes per year 25% back on United in-flight purchases |
| 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 | $95 annual fee 2X earning rate is low compared to general travel cards Best value only if you fly United regularly |
| View Details → | View Details → |
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Verdict
Our Pick: United Explorer Card
With a 4.3/5 rating, the United Explorer Card edges out the Bilt Blue Card (4.2/5). At $95/yr, the value proposition is strong. The United Explorer is a must-have for United flyers. Free checked bags, priority boarding, and 2X on United purchases offset the $95 fee after just a couple of round trips.