Head-to-head · 🇺🇸 United States
Chase Sapphire Reserve vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Chase
Chase Sapphire Reserve
VISA
Wins 2 of 10
US
Wells Fargo
Wells Fargo Bilt Mastercard
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Sapphire Reserve | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | · $550 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 740 | 670 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Chase Sapphire Reserve vs Wells Fargo Bilt Mastercard: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Sapphire Reserve wins on 2 criteria, Wells Fargo Bilt Mastercard on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Reserve for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.