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Bilt Mastercard vs Chase Freedom Unlimited

Quick answer

Chase Freedom Unlimited is the better everyday cashback card for most people, but Bilt Mastercard is unbeatable if you pay rent and want to earn points on it without fees.

Bilt Mastercard
The card that finally makes your landlord work for you
3.3★
VS
Our pick
Chase Freedom Unlimited
Simple, generous cashback that rewards every swipe
4.1★
Annual Fee
$0
$0
Base Earn Rate
1x points on most purchases
1.5% cash back on everything
Rent Rewards
1x points on rent (no processing fee, up to $50K/yr)
Not applicable
Dining Rewards
3x points at restaurants
3% cash back at restaurants
Travel Rewards
2x points on travel
5% on Chase Travel, 3% on other travel
Signup / Welcome Bonus
None
~$200 after $500 spend in first 3 months
Foreign Transaction Fee
None
None
Point / Cash Transfer to Airlines
Yes — transfer to 14+ airline & hotel partners
Only via pairing with Chase Sapphire card
Issuing Network
Mastercard (World Elite)
Visa
Minimum Spend Requirement
Must use card 5+ times/month to earn rent points
No minimum usage requirements
Intro APR Offer
None
0% APR for ~15 months on purchases
Redemption Options
Rent, travel, transfer partners, statement credit
Cash back, statement credit, Chase Travel, gift cards

Bilt Mastercard

Ease of Use★★★½☆
Rewards Rate★★★½☆
Signup Bonus★½☆☆☆
Travel Perks★★★★☆
Everyday Value★★★☆☆
Redemption Flexibility★★★★½

Chase Freedom Unlimited

Ease of Use★★★★½
Rewards Rate★★★★½
Signup Bonus★★★★☆
Travel Perks★★★☆☆
Everyday Value★★★★½
Redemption Flexibility★★★★☆

Worth knowing

Bilt Mastercard earns you points on rent — meaning your landlord is accidentally funding your next vacation. They have no idea.

If you want

You pay significant rent each month and want to earn transferable travel points

Bilt is the only card that turns your biggest monthly expense into travel rewards, completely fee-free.

→ Pick Bilt Mastercard
If you want

You want the best no-fuss cashback card for everyday spending

Chase Freedom Unlimited's flat 1.5% base rate plus strong category bonuses and a solid welcome bonus beat Bilt's base earnings hands down.

→ Pick Chase Freedom Unlimited
If you want

You're building a Chase points ecosystem (have or want a Sapphire card)

Freedom Unlimited feeds directly into Chase Ultimate Rewards, unlocking airline transfers and dramatically boosting point value.

→ Pick Chase Freedom Unlimited
If you want

You're a travel hacker who wants airline transfer partners without a Sapphire card

Bilt gives you standalone access to 14+ transfer partners — no premium card required.

→ Pick Bilt Mastercard
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