(official terms)
YearlyVerified
Effective annual fee
What it really costs
The sticker fee is what the card charges. The effective annual fee is what it costs — after the statement credits you would actually use.
PrimaryLower for you
Bilt MastercardBilt (Cardless)
Annual fee$0
At face value, used in full−$300
Your effective fee−$150
Estimate — every credit set to Maybe
Compared against
Sapphire PreferredChase
Annual fee$95
At face value, used in full−$125
Your effective fee−$15
Estimate — every credit set to Maybe
Which credits count
Answer once per credit, on both cards
Nobody uses every credit. Pick a category, see both cards side by side, and mark what you would use — the effective annual fee above recomputes against your answers, not the issuer's best case.
Which credits you'd actually use
Travel
Hotel, airline and portal credits.
Bilt Mastercard$100
Sapphire Preferred$100
Up to $50/yr on hotel stays booked through Chase Travel (anniversary year).
AnniversaryVerifiedDining
Restaurants, delivery and grocery credits.
Bilt Mastercard—
Nothing in dining on this card.
Sapphire Preferred$120
Complimentary DashPass + $10 monthly member promo (through 2027; activate).
MonthlyEnroll firstVerifiedAccess
Application-fee and credential credits, and anything that fits no other category.
Bilt Mastercard$200
(official terms)
YearlyVerifiedSapphire Preferred—
Nothing in access on this card.
That's every credit on both cards.
Maybe is scored at 50% of annual value.Every figure is annualized.
Rates normalised to cents of value per dollar spent, so different point currencies compare. Useful once you hold the card; it is not what decides whether the fee is worth paying.
| Bilt Mastercard | Sapphire Preferred | |
|---|---|---|
| Dining & restaurants | 3× Dining | 3× Dining |
| Groceries | — | 3× Grocery Delivery / Online groceries & select streaming |
| Flights (booked direct) | 2× Travel | 2× Travel |
| Hotels (booked direct) | 2× Travel | 2× Travel |
| Other travel | 2× Travel | 3× Vacation Homes |
| Gas & EV charging | — | 3× Gas Stations |
| Transit & rideshare | — | 5× Lyft |
| Streaming | — | 3× Online groceries & select streaming / Streaming Services |
| Rent | 1× Rent (no fee) | — |
| Issuer travel portal | — | 5× All Travel (Ultimate Rewards) / Chase Travel bookings |
| Everything else | 1× Everything else | 1× Everything else |
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Your answers above carry over — nothing to re-enter.
Where these figures come from
How we verify our data
Figures come from our card database and can lag issuer changes — always verify against the issuer's current terms.
- Solid borders: Verified issuer terms.
- Dashed borders: Estimated, pending final issuer sync.