Bilt Blue Card vs Fidelity Rewards Visa Signature Card
Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of November 13, 2026.
Bilt Blue CardCardless · No annual fee
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Bilt Blue Card$0Fidelity Rewards Visa Signature Card$0
- Welcome offerCurrent public offer
- Bilt Blue Card$100 in rewardsFidelity Rewards Visa Signature Card—
- Rewards
- Bilt Blue CardBilt PointsFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Bilt Blue CardNoneFidelity Rewards Visa Signature CardNone
- Network
- Bilt Blue CardMastercard World EliteFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Mortgage
- Bilt Blue Card1.25xFidelity Rewards Visa Signature Card2%
- Rent
- Bilt Blue Card1.25xFidelity Rewards Visa Signature Card2%
- Everything else
- Bilt Blue Card1xFidelity Rewards Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Blue Card—Fidelity Rewards Visa Signature Card
- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
Perks & access— means none on record
- Hotel status & programs
- Bilt Blue Card—Fidelity Rewards Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Bilt Blue Card
- No foreign transaction fees
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Blue Card—Fidelity Rewards Visa Signature Card
- Travel Accident Insurance · up to $250,000
- Baggage
- Bilt Blue Card—Fidelity Rewards Visa Signature Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Bilt Blue Card
- Secondary rental car collision damage waiver
Fidelity Rewards Visa Signature Card- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Bilt Blue Card
- $1,000 purchase protection per item for 90 days
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Cell phone
- Bilt Blue Card
- Up to $800 cell phone protection per claim
Fidelity Rewards Visa Signature Card— - Other protections
- Bilt Blue Card—Fidelity Rewards Visa Signature Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Bilt Blue Card
- 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 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- Cons
- Bilt Blue Card
- Only 1X points on non-housing purchases (below average for flat-rate cards)
- Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
- 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
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
The Fidelity Rewards Visa Signature Card wins in 3 of 3 categories. The Bilt Blue Card leads in 0.
Rent
Fidelity Rewards Visa Signature Card earns 2X vs 1.25X
Mortgage
Fidelity Rewards Visa Signature Card earns 2X vs 1.25X
Everyday purchases
Fidelity Rewards Visa Signature Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Bilt Blue Card | Fidelity Rewards Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $240 | Close — depends on how much of the credits you use | Bilt Blue Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $960 | Close — depends on how much of the credits you use | Bilt Blue Card |
Which Card Is Right for You?
Get the Fidelity Rewards Visa Signature Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Fidelity Rewards Visa Signature Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bilt Blue Card or Fidelity Rewards Visa Signature Card?
- The Fidelity Rewards Visa Signature Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Bilt Blue Card have that the Fidelity Rewards Visa Signature Card doesn't?
- The Bilt Blue Card offers cell phone protection. The Fidelity Rewards Visa Signature Card focuses more on earn rates than premium perks.
- Should I get the Bilt Blue Card or the Fidelity Rewards Visa Signature Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.