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)

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

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)

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

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)

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco