Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer