Bilt Card vs Chase Sapphire Preferred (Which is Better?)

  Рет қаралды 5,912

Chase Yokoyama

Chase Yokoyama

Күн бұрын

Пікірлер: 64
@LouThaEnergy
@LouThaEnergy Жыл бұрын
I just got approved for the Bilt card a few days ago and I have a mortgage. I got it because I don’t give a damn.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
hahahh congratulations! 🔥 love that for you
@turtletrade
@turtletrade Жыл бұрын
When the WF Aurograph gets travel partners, especially Hyatt, the Wells Fargo combo of BILT and Autograph will be amazing and with No Annual Fee!
@Th33Vultur3
@Th33Vultur3 Жыл бұрын
I have too many inquiries, and since I have had the Wells Fargo reflect, and recently canceled it, as well as the built, which is still active, I’m not eligible for the autograph. I keep getting rejected.
@themichaelw
@themichaelw Жыл бұрын
*if* Hyatt. That's a big if. This is WF we're talking about, after all. I'm guessing choice hotels will appear in place of Hyatt.
@geraldalves9107
@geraldalves9107 Жыл бұрын
The Wells Fargo hate is getting dated at this point. People acting like all of the other banks besides WF are saints are something. Banks are swindling people every day but under the radar. Just so happens to be that the WF scandal was made public. Fact is, they have made solid credit cards so far through their rebranding and they're set to also come out with their business lineup. They definitely have a chance to become major players in the travel game if they continue to go the path that they are. I've also had nothing but good customer service experience as well.
@ow5966
@ow5966 Жыл бұрын
This is true. I have both cards. I cannot wait
@Th33Vultur3
@Th33Vultur3 Жыл бұрын
@@ow5966 I used to have the Amex green card and I upgraded it to gold. I wasn’t eligible for a new sign up bonus. I can justify the credits of the good as opposed to the green. The 2x on Bilt and the 3X on the green is not much. I can use the bilt as my dedicated travel card providing day, except MasterCard, which most places do except Costco that only except Visa. It feels good to have an actual spending limit only because of the fact that I wanna know how much I have available instead of having to check my spending power on the green, gold, platinum or centurion if you’re lucky enough to have the black card.
@elliottnixon-wq6sp
@elliottnixon-wq6sp Жыл бұрын
I know a guy who has the BILT card, the Fidelity 2% card, and the Amex Hilton Honors Card which covers every category he spends in, gives him degree of hotel status, no FTF, and access to a bunch of different Amex offers all for $0 in annual fees. Pretty hardcore. The BILT card might not be broken by itself but when paired with the right cards in a duo or trifecta, you'd never need to apply for anything else ever again.
@rishabhjain2404
@rishabhjain2404 Жыл бұрын
what amex offers do we get with the basic hilton honors card? Isnt it only good for grocery spend?
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
thats quite a unique setup for sure! never heard of something like that until now
@elliottnixon-wq6sp
@elliottnixon-wq6sp Жыл бұрын
Don’t let the hype fool you is what my buddy says. He uses the BILT as his primary travel card like it’s designed for.
@ow5966
@ow5966 Жыл бұрын
I have the PayPal MasterCard for my 2% catch all and 3% online or in store purchases.
@ExtraGuac007
@ExtraGuac007 Жыл бұрын
Ask Sebby made a good point recently. If your rent is 4K/mo, it makes more sense to open a new credit card with a SUB than it is to get 4K Bilt points.
@Adiscretefirm
@Adiscretefirm Жыл бұрын
You opening 1 card per month?
@ExtraGuac007
@ExtraGuac007 Жыл бұрын
@@Adiscretefirm Even if your rent is $1500/mo., you can take 3 months to reach the bonus and still end up with more points. Yes, I've been in a predicament where I got 4 cards in 4 months (P2, Biz & Personal cards)
@theyhateme2601
@theyhateme2601 Жыл бұрын
@@AdiscretefirmGot’em
@i0r-r-tjtkttl
@i0r-r-tjtkttl Жыл бұрын
No way; preferred is the card to have; it part of a larger ecosystem, as one guy says here.
@rishabhjain2404
@rishabhjain2404 Жыл бұрын
Yup freedom 5% is good UR points earner.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
Ya I agree. Right now the CSP got other cards helping make that ecosystem more valuable and stronger. I just think if it were a 1 v 1 fight like King Kong vs Godzilla the Bilt card looks pretty solid
@MattWelterOfficial
@MattWelterOfficial Жыл бұрын
The Bilt Card has been an absolute game changer for us, to be able to avoid ALL fees & earn valuable Bilt Points on all of our rent payments. Like you said, I absolutely love the Bilt travel upside with being able to utilize fantastic travel partners as well such as Hyatt, without having to pay AF like the CSP. Great video as always Chase!
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
its a game changer for sure Matt 👏🏽 im curious to see the impact Bilt has on the credit card game in the future.
@paulsori2704
@paulsori2704 3 ай бұрын
Just got BILT as my daily driver. Downgrading CSP to CFF. Getting to BILT Platinum Status with 2x transfer partner bonus' makes this card a must have! Way more valuable than CSP to me!
@callmeNeno
@callmeNeno Жыл бұрын
Getting the Bilt card made me postpone and not acquiring the CSP. I was at 3/24 when I obtained the Bilt card and definitely worth the slot.
@AFC_27
@AFC_27 Жыл бұрын
I woke up thinking about these 2 cards actually, and then BAM! Video made! Great stuff. How are you enjoying LA?
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
Im sorry to say but I read your mind 🤷🏽‍♂️ LA has been fun! I love the fast pace of the city. the weather is great as well. paying $20 for a meal or almost $7 / gallon for gas is not fun
@AFC_27
@AFC_27 Жыл бұрын
@@ChaseYokoyama Haha yea it's bad out there for gas. What Part of LA you living in?
@joshua.butler
@joshua.butler Жыл бұрын
Solid rundown Chase. Bilt is giving the CSP a run for its money!
@ChaseYokoyama
@ChaseYokoyama 11 ай бұрын
100% agree 🔥 im excited to see what they keep doing
@LalitDevraj
@LalitDevraj Жыл бұрын
Fyi for ya - the credit limit time to reset doesn't get better haha - I'm in the same boat as you Awesome video man, I always thought about this comparison subconsciously yet never thought it would manifest as true with you releasing this video haha :)
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
Thanks Lalit! 👏🏽 well im sad to hear about the credit limit reset lol
@MattClausen
@MattClausen Жыл бұрын
The Sapphire Preferred drives me nuts. If Bilt expanded their Travel category and added grocery or gas/EV, it would further doom the CSP. Chase has to change that card, sooner than later. Great video Chase!
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
I agree Matt. Its your turn, Chase.....are you gonna make changes to the CSP or nah 🤔
@MattClausen
@MattClausen Жыл бұрын
@@ChaseYokoyama but 5x groceries for a year on a lower card!!!! I kid. They need to do LOTS up and down the line
@Adiscretefirm
@Adiscretefirm Жыл бұрын
About that payment lag, did you pay through the Bilt app to pull money in? Or the other bank's app to push money to Bilt? I wonder if it makes a difference.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
I paid either through the Bilt app or the Wells Fargo app. I forgot which one specifically
@KingItachi8660
@KingItachi8660 Жыл бұрын
When I pay my Bilt card through WF it’s usually fast, but very slow when I pay through bilt
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
okay thats good to know. ill try paying through wells fargo next time. I dont remember which one I paid through last time
@abdulrahmanalmulhem8391
@abdulrahmanalmulhem8391 Жыл бұрын
Can I apply for CSP as first card with Chase? Is applying for BILT much easier than CSP?
@JoanManuelContreras-hp9xg
@JoanManuelContreras-hp9xg 9 ай бұрын
Question though...don't chase sapphire cards give 1 point per 1$ spent already just like the BILT card? I'm confused at what makes the BILT better when it comes to paying rent, which everyone is saying most prime caveat?
@ChaseYokoyama
@ChaseYokoyama 9 ай бұрын
The biggest reason is because you dont have to pay fees with the Bilt card. Where as with the CSP you usually have to pay a 2% - 3% fee. That fee outweighs the rewards you would get. It could make sense to pay rent and eat those fees if you are chasing a SUB
@CesarJoel
@CesarJoel Жыл бұрын
The Bilt card is such a great $0 travel card! Agree 💯 the CSP needs a regular grocery category and a refresh! Great video and comparison Chase! Keep up the great work!🫵
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
Yes! Thank you! When will Chase have a consistent grocery category?!
@OfficialChadsMoneyMinutes
@OfficialChadsMoneyMinutes Жыл бұрын
I’ve commented on this unpopular opinion before because it just makes sense. People are so in love with the popularity and the sub for the CSP that it blinds them to the fact that the BILT card is pound for pound a FUNDAMENTALLY better card.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
Agreed. I really want to see Bilt make another card to go against the premium cards we have nowadays 👀
@WrldExplorer
@WrldExplorer 7 ай бұрын
Getting points for rent is a sign up bonus.
@ChaseYokoyama
@ChaseYokoyama 7 ай бұрын
I do agree that getting points on rent is a HUGE benefit but TBF i think it does not equate to receiving a sign up bonus.
@HappyBeeTV-BeeHappy
@HappyBeeTV-BeeHappy Жыл бұрын
Idk. Couldn't paying rent or a mortgage with a credit card backfire in some way on the cardholder? I'll be watching this Bilt card for possible problems for people in the future.
@quinnrivera5075
@quinnrivera5075 Жыл бұрын
I like the BILT card. But a few things about it are annoying. When I use it out of the US most times it asks for a PIN number. I don’t remember setting one up. So I end up using my CSP even when I’d like to use the BILT card. And BILT only lets you transfer a minimum of 2k points at a time to let’s say Hyatt. Unless you spend 15k a year on the Bilt then you can transfer a minimum of 1k points. I’m living in Thailand for the moment. I wish Bilt would qualify air bnb as my rent day benefit. Then I’d use the card more. It’s a great card. But it has some small annoying things that preclude me using it for my everyday spend given my personal situation. But it’s a pretty good card overall
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
damn I never knew about those small things.
@Th33Vultur3
@Th33Vultur3 Жыл бұрын
I would like to pair this card with the Wells Fargo autograph. I have to wait for my accounts to age and some inquiries to fall off before going for the autograph. I would have one travel card that’s a visa in the autograph and of course the Bilt that’s a MasterCard. And I know most KZbinrs compare the autograph to the green card on American Express except the green card has $150 annual fee with the clear and LoungeBuddy credits if you could justify them which I couldn’t. And both the. Bilt and autograph are no annual fee.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
yuh I mean those 2 are decent no annual fee cards for sure
@Michael-qs1yd
@Michael-qs1yd Жыл бұрын
Correction: You can earn up 11X on dining on Rent Day = (6X regular dining + 5X at a restaurant BILT selects to recieve the 5X bonus)
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
hahahah yes you are right about that one. 👏🏽 11x is crazy
@docsays
@docsays Жыл бұрын
Its great if you’re renting, but i just don’t see the appeal if you’re not a renter. 🤷🏻‍♂️ Its basically a no AF travel card without a bonus & no eco-system. IMO thats what edges out the CSP, Citi Premier, & AmEx Green over this card!
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
no doubt having a SUB and point ecosystem are great things to have.
@shoniimu
@shoniimu Жыл бұрын
dang now i regret getting the chase sapphire preferred :(
@callmeNeno
@callmeNeno Жыл бұрын
You regret getting that bonus from Chase?
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
no ragrets!
@JDizz0413
@JDizz0413 Жыл бұрын
Chase is an entire ecosystem, cards/loans etc.. Unless Bilt adds mortgage or car loan payments, or sign on bonuses, I don’t see it’s appeal long term. Rent day promos - You don’t need the card. American Airlines transfer - Chase transfers to BA, which works great for domestic flights at least. Rent payments - You can pay with normal credit cards, it’s usually $50-150 extra. Let’s say you have a trip in a year or 2 that you’ need points for, I don’t see where this card slots in.
@ChaseYokoyama
@ChaseYokoyama Жыл бұрын
I wanna see where Bilt takes this in the next 2, 5 or even 10 years. I do like what they have but I hope their impact gets bigger as they have more time in the game
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