Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Bilt Blue Card vs Discover it Cash Back (2026)
Bilt Blue Card vs Discover it Cash Back
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
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.
Bilt Blue Card vs Discover it Cash Back
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
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.
Bilt Blue Card vs Discover it Cash Back
Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
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.
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−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
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−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
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