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Annual fee:
$0
Welcome offer:
$100 Bilt Cash when you apply & get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Intro APR:
10%
Regular APR:
26.74 – 34.74% variable
Rewards rates:
- Up to 1.25X on rent and mortgage payments with no transaction fee.
- Earn 1X points on everyday purchases.
- Choose to earn 4% back in Bilt Cash on everyday purchases.
Perks & benefits:
The Bilt Blue Card stands out by offering the ability to earn on one of the largest monthly expenses, rent and mortgage, making it especially valuable for renters and homeowners who want to turn routine payments into travel, experiences, or statement credits. Coupled with their Neighborhood Benefits™, frequent bonuses on dining and travel, it caters to individuals seeking robust earning potential across key spending categories without an annual fee. While it’s best suited for those who can leverage its travel transfer partners, the Bilt Blue Card remains a versatile choice for everyday spenders wanting straightforward value and flexibility.
Rewards Highlights
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- Earn 1X points on everyday spend.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.
- MasterRental Coverage (secondary coverage for eligible rental vehicles rented for 31 consecutive days or less. Covers physical damage/theft, towing, and loss of use charges up to $500 per incident. Must pay with the covered card and decline the rental company’s collision/damage waiver).
- Purchase Assurance (covers eligible items purchased with the card that are damaged or stolen within 90 days of purchase, up to $1,000 per loss and $50,000 per cardholder account per 12 month period. Coverage is secondary)
- Cellular Wireless Telephone Protection (up to $800 per claim, and $1,00 per covered card per 12 month period. Subject to a $50 deductible, two claims per 12 month period). See Guide to Benefits.
Author: Luis Lan
TOTAL RATING
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Welcome Offer:
Multipliers:
Benefits:
Last Updated: May 12, 2026
How is this calculated?
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