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Bilt Blue Card vs World of Hyatt Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | World of Hyatt Credit CardChase |
|---|---|---|
| Rating | 4.2/5 | 4.5/5 |
| 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 | 30,000 bonus points after spending $3,000 in 3 months, plus up to 30,000 more by earning 2X per $1 on first $15K |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 4X at Hyatt hotels, 2X on dining, flights, and local transit, 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 | Hyatt points are worth 2cpp+ — among the most valuable hotel points Automatic Discoverist status with 5 qualifying night credits annually Free night award each cardmember anniversary (up to Category 4) |
| 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 Earning is Hyatt-centric — limited value outside Hyatt ecosystem 2X on dining and travel trails competitors like Sapphire Preferred |
| View Details → | View Details → |
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Verdict
Our Pick: World of Hyatt Credit Card
With a 4.5/5 rating, the World of Hyatt Credit Card edges out the Bilt Blue Card (4.2/5). At $95/yr, the value proposition is strong. The World of Hyatt card is the best hotel card for point maximizers. Hyatt points average 2cpp+ in value, the anniversary free night covers its fee, and Discoverist status adds room upgrades and late checkout.