Chase
Chase Sapphire Preferred Card
Credit cards
$95/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Preferred Card vs Bilt World Elite Mastercard
Find the differences that matter for your next decision.
Bilt
Bilt World Elite Mastercard
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Bilt World Elite Mastercard.
- Leads 2 of 3 rankable overall specs; Chase Sapphire Preferred Card takes 1.
- Annual fee: $0 vs $95
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 20.74% – 28.74% Variable APR vs 21.49% – 28.49% Variable APR
It also charges $95 less a year.
The trade-off to know
Bilt World Elite Mastercard: Must make at least 5 transactions each billing cycle to earn points
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Chase Sapphire Preferred Card | Bilt World Elite Mastercard |
|---|---|---|
| Annual feeFees & Rates | $95 | $0 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 20.74% – 28.74% Variable APR |
| Rewards rateRewards & Perks | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other | 3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month) |
| Sign-up bonusRewards & Perks | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value) | None (earn points on monthly rent with no fee) |
| Intro APR offerRewards & Perks | None (Variable APR applies from account opening) | 0% intro APR for 0 months (none) |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Chase Sapphire Preferred Card
Reasons to choose it
- Points are worth 25% more when redeemed for travel through Chase Travel
- 1:1 point transfers to Hyatt, United, Southwest, and British Airways
- Primary rental car collision damage waiver insurance
Worth considering
- No airport lounge access
- $95 annual fee is not waived the first year
Bilt World Elite Mastercard
Reasons to choose it
- Earn 1X points on rent payments up to 100,000 points per calendar year with $0 transaction fees
- $0 annual fee and no foreign transaction fees
- Valuable 1:1 transfer partners including Hyatt, United Airlines, and Air France/KLM
Worth considering
- Must make at least 5 transactions each billing cycle to earn points
- No traditional upfront sign-up welcome bonus
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Preferred Card
3-Year Estimated Total$285
Bilt World Elite Mastercard
3-Year Estimated Total$0
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Chase Sapphire Preferred Card or Bilt World Elite Mastercard?
Bilt World Elite Mastercard charges $95 a year less.
What is the biggest catch with the Chase Sapphire Preferred Card or Bilt World Elite Mastercard?
Chase Sapphire Preferred Card has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Preferred Card or the Bilt World Elite Mastercard?
Tied on travel. Bilt World Elite Mastercard charges less a year. The 2 rankable travel specs split 1 to 1. Saves $95 a year in fees.
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.