Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
• +Earn 1x points on rent with no transaction fees
• +3x points on dining
• +2x points on travel
• +Double points on Bilt Rent Day (1st of each month)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −Requires high spending volume to qualify and maintain Palladium status
• −1x earn rate on non-bonus categories is below average
• −Must use 5x per statement period to earn rent points
• −Invitation or qualification required (not openly available)
• −Benefits still lag behind premium travel cards from Chase/Amex

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
• +Earn 1x points on rent with no transaction fees
• +3x points on dining
• +2x points on travel
• +Double points on Bilt Rent Day (1st of each month)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −Requires high spending volume to qualify and maintain Palladium status
• −1x earn rate on non-bonus categories is below average
• −Must use 5x per statement period to earn rent points
• −Invitation or qualification required (not openly available)
• −Benefits still lag behind premium travel cards from Chase/Amex

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

• +$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
• +Earn 1x points on rent with no transaction fees
• +3x points on dining
• +2x points on travel
• +Double points on Bilt Rent Day (1st of each month)

Cons

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

• −Requires high spending volume to qualify and maintain Palladium status
• −1x earn rate on non-bonus categories is below average
• −Must use 5x per statement period to earn rent points
• −Invitation or qualification required (not openly available)
• −Benefits still lag behind premium travel cards from Chase/Amex