Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −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

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −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

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
• +No annual fee with transferable points (rare combination)
• +1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
• +No spending caps on bonus categories
• +No foreign transaction fees

Cons

• −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

• −Only 1X on groceries and general shopping
• −Welcome bonus of 20,000 points ($200 value) is modest
• −Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
• −No premium travel benefits like lounge access or travel insurance
• −Penalty APR of 29.99% for late payments