Bilt Mastercard vs Southwest Rapid Rewards Premier Credit Card

Side-by-side comparison of Bilt Mastercard and Southwest Rapid Rewards Premier Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bilt Mastercard	Southwest Rapid Rewards Premier Credit Card
Issuer	Wells Fargo	Chase
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$149.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Rent (up to 100K points/year)	1.0%	1.0% (base)
Restaurants	3.0%	1.0% (base)
Travel	2.0%	1.0% (base)
Airline	1.0% (base)	2.0%
Hotels	1.0% (base)	2.0%
Anniversary Bonus	None	[object Object]
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	15 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	21.49% - 29.99%	12.49% - 20.99%
Cash Advance APR	29.99%	21.74%
Penalty APR	N/A	23.24%
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary	✓
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	Covered up to $800 per claim (subject to $25 deductible)	—
Extended Warranty	—	✓
Purchase Protection	Covered up to $10,000 per claim	120 days
Return Protection	—	—
Trip Cancellation Interruption	Covered up to $5,000 per passenger	—
Trip Delay	Covered up to $200 per day	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard