Bilt Rewards vs. Chase Ultimate Rewards: Which Should You Earn?
However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners. Published Jul 22, 2026Fact CheckedHow is this page expert verified?NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.More on our editorial rigorAddas a preferred source on Google NerdWallet is committed to editorial integrity.Helpful ResourcesThe Best Travel Credit Card Welcome Offers Right Now11 Credit Cards That Provide Travel InsuranceChase Sapphire Preferred Review: Strong Option for Travel RewardsBilt Rewards and Chase Ultimate Rewards® both let you turn everyday spending into points you can redeem for travel at a set rate or transfer to frequent flyer and hotel loyalty programs, often with a chance to get more value.Chase has built its reputation with a broad lineup of travel cards, strong welcome bonuses and familiar transfer partners. Meanwhile, Bilt offers a smaller set of cards, the ability to earn points on rent and mortgage payments, and a deep bench of transfer partners. Both programs bring real strengths to the table, and plenty of people carry cards from both rather than choosing one. Which one ends up mattering more for you depends on your spending, travel habits and preferences. An overview of Bilt Rewards vs. Chase Ultimate Rewards®Both Bilt Rewards and Chase Ultimate Rewards® are transferable currencies, which means you're earning one flexible currency, not miles or points tied to a single rewards program. You can move them to a partner program instead, and depending on how you plan your redemptions, you can get much more value than sticking with the base programs. Here's where each program shines, and where it comes up short. Bilt RewardsBilt Rewards is best known as the only major rewards program that lets you earn points on rent and mortgage payments without paying a transaction fee. All three Bilt credit cards allow you to earn up to 1.25 points per dollar spent on your housing payments. Bilt also runs one of the biggest transfer networks around, with 18 airline programs and seven hotel programs, almost all of them at a 1:1 ratio. Atmos Rewards, which is a shared loyalty program for Alaska Airlines and Hawaiian Airlines, doesn't currently partner with any other major rewards program. Alternatively, you can book travel through Bilt Rewards at a redemption rate of 1.25 cents per point.The catch is that Bilt's card lineup is brand new and still finding its footing. Bilt relaunched its credit cards in January 2026, swapping out the original no-fee Wells Fargo card for three new cards serviced by Cardless, with annual fees ranging from $0 to $495. Maximizing your rewards on housing payments requires you to pick between two different earning structures, and figuring out which one nets you more points can be a challenge. For people who just want a card that works without extra homework, that complexity alone could be enough to look elsewhere. How the cards compareBilt Blue Card NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply now on Bilt's website NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply now on Bilt's website NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply now on Bilt's website NerdWallet Compare, Inc. NMLS ID# 1617539NMLS Consumer Access |Licenses and Disclosures California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License #603L288 You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. View Important Cash Account Disclosures. Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. 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