Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Bank of America Unlimited Cash Rewards Credit Card vs Bilt Blue Card

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Bilt Blue Card
Dining	1X	3X
Lyft	1X	3X
All Purchases	1.5X	1X
Mortgage	1X	1.25X
Rent	1X	1.25X
Everything Else	1X	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 5 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Bilt Blue Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Unlimited Cash Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Capital One Quicksilver

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America Unlimited Cash Rewards Credit Card vs Bilt Blue Card

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Bilt Blue Card
Dining	1X	3X
Lyft	1X	3X
All Purchases	1.5X	1X
Mortgage	1X	1.25X
Rent	1X	1.25X
Everything Else	1X	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 5 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Bilt Blue Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Unlimited Cash Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Capital One Quicksilver

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless cards

Bank of America Unlimited Cash Rewards Credit Card vs Bilt Blue Card

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Bilt Blue Card
Dining	1X	3X
Lyft	1X	3X
All Purchases	1.5X	1X
Mortgage	1X	1.25X
Rent	1X	1.25X
Everything Else	1X	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Bilt Blue Card wins in 4 of 5 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 1X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Which Card Is Right for You?

Get the Bilt Blue Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Bilt Blue Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Unlimited Cash Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Capital One Quicksilver

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless cards