Bilt Blue vs Chase Freedom Flex℠
Side-by-side comparison
| Bilt Blue | Chase Freedom Flex℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $100 in Bilt Cash on account opening | $200 cash bonus |
| Dining | 1x | 3x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $310 | $361 |
| Points type | Transfers to airlines & hotels | Pools with Chase → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Bilt Blue earns about $310 a year in rewards and the Chase Freedom Flex℠ about $361, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The Chase Freedom Flex℠ has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the Chase Freedom Flex℠ marginally ahead, mostly because it earns more where you spend most, on dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Chase Freedom Flex℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Blue if your spending leans toward travel. Pick the Chase Freedom Flex℠ if your spending leans toward dining.