Bilt Blue Card vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Bilt Blue CardCardless · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Bilt Blue Card$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Bilt Blue Card$100 in rewardsMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Bilt Blue CardBilt PointsMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Bilt Blue CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- Bilt Blue CardMastercard World EliteMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Food Delivery
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Grocery Stores
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Ridesharing
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Streaming
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Telecom
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Mortgage
- Bilt Blue Card1.25xHighestMarriott Bonvoy Bold Credit Card1x
- Rent
- Bilt Blue Card1.25xHighestMarriott Bonvoy Bold Credit Card1x
- Everything else
- Bilt Blue Card1xMarriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Bilt Blue Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- Bilt Blue Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Bilt Blue Card
- No foreign transaction fees
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Blue Card—Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
- Baggage
- Bilt Blue Card—Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- Bilt Blue Card
- Secondary rental car collision damage waiver
Marriott Bonvoy Bold Credit Card- Auto rental coverage up to $60,000
- Purchase & returns
- Bilt Blue Card
- $1,000 purchase protection per item for 90 days
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Bilt Blue Card—Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
- Cell phone
- Bilt Blue Card
- Up to $800 cell phone protection per claim
Marriott Bonvoy Bold Credit Card— - Other protections
- Bilt Blue Card—Marriott Bonvoy Bold Credit 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)
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- 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
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Expert Analysis
The Bilt Blue Card and Marriott Bonvoy Bold Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Bilt Blue Card's strongest category is Lyft at 3X, while the Marriott Bonvoy Bold Credit Card leads with 14X on Marriott Hotels. Overall, the Marriott Bonvoy Bold Credit Card wins in more bonus categories (5 vs 4) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Bilt Blue Card earns 3X on Lyft vs 1X for the other
- Bilt Blue Card earns 3X on Dining vs 1X for the other
- Bilt Blue Card earns 1.25X on Rent vs 1X for the other
- Different networks: Bilt Blue Card is MASTERCARD, Marriott Bonvoy Bold Credit Card is VISA
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on lyft
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$400/month on dining
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1X. Over a year, that's 33,600 vs 2,400 points — a 31,200-point advantage.
$600/month on grocery stores
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
Who Should Get Which?
Get the Bilt Blue Card if:
The Bilt Blue Card is ideal for cardholders who prioritize spending heavily on lyft and dining. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and grocery stores. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 6 of 8 categories. The Bilt Blue Card leads in 2.
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X 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.
The better card depends on how much you spend.
| Scenario | Bilt Blue Card | Marriott Bonvoy Bold Credit 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: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Bilt Blue Card | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Bilt Blue Card | Bilt Blue Card |
Which Card Is Right for You?
Get the Marriott Bonvoy Bold Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Bilt Blue Card or Marriott Bonvoy Bold Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bilt Blue Card have that the Marriott Bonvoy Bold Credit Card doesn't?
- The Bilt Blue Card offers cell phone protection. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.
- Should I get the Bilt Blue Card or the Marriott Bonvoy Bold Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.