Head-to-Head Guide-to-Benefits Breakdown
Chase Sapphire Preferred ($95) vs. Bilt Mastercard ($0): Primary Rental CDW & Trip Delay Showdown
Remarkably, the $0-annual-fee Bilt Mastercard beats the $95 Chase Sapphire Preferred on Trip Delay trigger (6 hours vs. 12 hours), max Trip Delay payout ($1,800 vs. $500), Purchase Protection ($1,000/claim vs. $500), and Cell Phone Protection ($800 with a $25 deductible vs. $0 on CSP). Chase Sapphire Preferred wins on partial-payment award tax coverage, Baggage Delay ($500 vs. $0), and Extended Warranty (+1 year vs. 0).
Head-to-Head Card Benefit Duel
Select any two cards to compare every fine-print insurance clause side-by-side
Popular Matchups:
Chase • Visa Signature$95/yr fee
Bilt / Wells Fargo • World Elite Mastercard$0/yr fee
Fine-Print Verdict: Chase Sapphire Preferred vs. Bilt Mastercard
Remarkably, the $0-annual-fee Bilt Mastercard beats the $95 Chase Sapphire Preferred on Trip Delay trigger (6 hours vs. 12 hours), max Trip Delay payout ($1,800 vs. $500), Purchase Protection ($1,000/claim vs. $500), and Cell Phone Protection ($800 with a $25 deductible vs. $0 on CSP). Chase Sapphire Preferred wins on partial-payment award tax coverage, Baggage Delay ($500 vs. $0), and Extended Warranty (+1 year vs. 0).
| Coverage Clause | Sapphire Preferred (CSP) ($95) | Bilt Mastercard ($0 AF) ($0) |
|---|---|---|
Rental Car CDW | PRIMARY Up to $60,000 • 31 days max | PRIMARY Up to $50,000 • 31 days max |
Excluded Countries | Excludes: None (Covers Ireland, Italy, and worldwide) ★ Edge | Excludes: Israel, Jamaica, Republic of Ireland, Northern Ireland |
Trip Delay Trigger | 12 hours (or overnight) Up to $500/ticket | 6 hours Up to $1,800/ticket |
One-Way / Award Taxes | ✓ One-Way OK + Partial/Award Taxes OK ★ Edge | One-Way OK (100% Fare Required) |
Trip Cancellation | $10,000/person • $20,000/trip | $5,000/person • $10,000/trip |
Baggage Delay | 6h trigger • $100/day × 5d ($500 max) | Not Covered (Lost Luggage: $0) |
Purchase Protection | $500/claim (120 days)+1yr Warranty | $1,000/claim (90 days) |
Return Protection | Not Covered | Not Covered |
Cell Phone Protection | Not Covered | ✓ $800/claim ($25 deductible • 2x/yr) ★ Edge |
Showing 55 of 55 cards
| Credit Card | Rental Car CDW | Trip Delay Trigger | Trip Cancellation | Purchase Protection | Cell Phone Protection | Baggage Delay | Guide |
|---|---|---|---|---|---|---|---|
| Sapphire Reserve (CSR) Chase • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 1 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Sapphire Preferred (CSP) Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Excl. 1 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ritz-Carlton Visa Infinite Chase • Visa Infinite • $450/yr | PRIMARY $75,000 max • Worldwide | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Preferred Chase • Visa • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $1,000/claim $100 deductible • 3x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Cash Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Ink Business Unlimited Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| United Club Infinite Chase • Visa Infinite • $525/yr | PRIMARY $75,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Quest Chase • Visa Signature • $250/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Explorer Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Visa Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Marriott Boundless Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Freedom Flex (CFF) Chase • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Freedom Unlimited (CFU) Chase • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Business Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Gold American Express • American Express • $325/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Green American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Marriott Bonvoy Brilliant American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Aspire Amex American Express • American Express • $550/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Reserve American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Platinum American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Blue Cash Preferred American Express • American Express • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Blue Business Plus (BBP) American Express • American Express • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Venture X Capital One • Visa Infinite • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Venture X Business Capital One • World Elite Mastercard • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Capital One Venture ($95) Capital One • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $1,500/person $5,000 max/trip | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Capital One Savor Capital One • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Bilt Mastercard ($0 AF) Bilt / Wells Fargo • World Elite Mastercard • $0/yr | PRIMARY $50,000 max • Excl. 4 countries | 6 hours $1,800/ticket One-way OK | $5,000/person $10,000 max/trip | $1,000/claim 90 days | $800/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| WF Autograph Journey Wells Fargo • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $15,000/person $15,000 max/trip | $1,000/claim 90 days | $1,000/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Autograph ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Active Cash ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| BoA Premium Rewards Elite Bank of America • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip +$100k Evac | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| BoA Premium Rewards ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours $500/ticket One-way OK • Award taxes OK | $2,500/person $5,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| US Bank Altitude Reserve U.S. Bank • Visa Infinite • $400/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| US Bank Altitude Connect ($0) U.S. Bank • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $1,000/claim 90 days • +1yr warranty | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Citi Strata Premier Citi • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Citi AAdvantage Executive Citi • World Elite Mastercard • $595/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Costco Anywhere Visa Citi • Visa • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $1,000/claim 120 days | Not Covered | Not Covered | Full Sheet → |
| Citi Double Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Chase Aeroplan ($95) Chase • World Elite Mastercard • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Southwest Priority ($149) Chase • Visa Signature • $149/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| IHG One Rewards Premier Chase • World Elite Mastercard • $99/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| British Airways Visa ($95) Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Amex Business Gold ($375) American Express • American Express • $375/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Surpass Amex ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Delta SkyMiles Gold ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Alaska Airlines Visa ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| United Business ($99) Chase • Visa • $99/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Spark Miles ($95) Capital One • Visa • $95/yr | PRIMARY $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Centurion (Black Card) American Express • American Express • $5000/yr | PRIMARY $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $500/d × 1d ($500) | Full Sheet → |
| Marriott Bonvoy Bevy ($250) American Express • American Express • $250/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Southwest Performance Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Citi Custom Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Delta Platinum Business ($350) American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
Popular Head-to-Head Insurance Comparisons
Direct side-by-side fine-print breakdowns for the most searched credit card matchups:
Chase Sapphire Reserve vs. Venture XChase Sapphire Reserve vs. Amex PlatinumAmex Platinum vs. Capital One Venture XChase Sapphire Preferred vs. Sapphire ReserveChase Sapphire Preferred vs. Venture XChase Sapphire Preferred vs. Bilt MastercardAmex Gold vs. Chase Sapphire PreferredInk Business Preferred vs. Sapphire PreferredCiti Strata Premier vs. Chase Sapphire PreferredUS Bank Altitude Reserve vs. Chase Sapphire ReserveWF Autograph Journey vs. Chase Sapphire PreferredBoA Premium Rewards Elite vs. Chase Sapphire Reserve
Individual Card Guide-to-Benefits Sheets
Browse complete travel insurance and purchase protection sheets for each card:
Sapphire Reserve (CSR)Sapphire Preferred (CSP)Ritz-Carlton Visa InfiniteInk Business PreferredInk Business CashInk Business UnlimitedUnited Club InfiniteUnited QuestUnited ExplorerWorld of Hyatt VisaMarriott BoundlessFreedom Flex (CFF)Freedom Unlimited (CFU)Amex PlatinumAmex Business PlatinumAmex GoldAmex GreenMarriott Bonvoy BrilliantHilton Aspire AmexDelta SkyMiles ReserveDelta SkyMiles PlatinumAmex Blue Cash PreferredAmex Blue Business Plus (BBP)Capital One Venture XVenture X BusinessCapital One Venture ($95)Capital One SavorBilt Mastercard ($0 AF)WF Autograph JourneyWells Fargo Autograph ($0)Wells Fargo Active Cash ($0)BoA Premium Rewards EliteBoA Premium Rewards ($95)US Bank Altitude ReserveUS Bank Altitude Connect ($0)Citi Strata PremierCiti AAdvantage ExecutiveCostco Anywhere VisaCiti Double Cash ($0)Chase Aeroplan ($95)Southwest Priority ($149)IHG One Rewards PremierBritish Airways Visa ($95)Amex Business Gold ($375)Hilton Surpass Amex ($150)Delta SkyMiles Gold ($150)Alaska Airlines Visa ($95)United Business ($99)World of Hyatt Business ($199)Capital One Spark Miles ($95)Amex Centurion (Black Card)Marriott Bonvoy Bevy ($250)Southwest Performance Business ($199)Citi Custom Cash ($0)Delta Platinum Business ($350)
Frequently Asked Questions: Sapphire Preferred (CSP) vs. Bilt Mastercard ($0 AF)
Sapphire Preferred (CSP) vs. Bilt Mastercard ($0 AF): Which card has better Rental Car CDW insurance?
Chase Sapphire Preferred® Card provides Primary rental car coverage up to $60,000 for up to 31 days (excludes None (Covers Ireland, Italy, and worldwide)). Bilt Mastercard® provides Primary coverage up to $50,000 for up to 31 days (excludes Israel, Jamaica, Republic of Ireland, Northern Ireland).
How do Trip Delay and Trip Cancellation compare between Sapphire Preferred (CSP) and Bilt Mastercard ($0 AF)?
Sapphire Preferred (CSP) Trip Delay triggers at 12 hours (or overnight) (up to $500/ticket; covers one-way flights) with $10,000/person Trip Cancellation. Bilt Mastercard ($0 AF) Trip Delay triggers at 6 hours (up to $1800/ticket; covers one-way flights) with $5,000/person Trip Cancellation.
Does Sapphire Preferred (CSP) or Bilt Mastercard ($0 AF) include Cell Phone Protection and Purchase Protection?
Sapphire Preferred (CSP) offers $500/claim Purchase Protection (120 days) and no Cell Phone Protection. Bilt Mastercard ($0 AF) offers $1,000/claim Purchase Protection (90 days) and $800/claim Cell Phone Protection ($25 deductible).