Bilt Blue Card
Earn the richest rewards on rent, mortgage, and everything else
The only no-annual-fee card that earns both Bilt Points and 4% Bilt Cash on everyday spend, plus up to 1.25X points on rent and mortgage with zero transaction fees. Bilt Points transfer 1:1 to 20+ airline and hotel partners and are valued at 2.2 cents each by The Points Guy — the highest-valued points currency available.
- Annual Fee
- $0
- in rewards · Welcome Bonus
- $100
- Highest rate (conditional)
- Up to 1.25X (Direct)
Terms checked against the issuer on July 29, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Bilt Points
- Point Value (Transfer Estimate)
- 1.55–2.2 cpp (mid: 2)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $100 in rewards
Earning Rates
- 1.25X
Rent
Up to 1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
- 1.25X
Mortgage
Up to 1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
- 1X
All Other
1X on all non-housing purchases; plus 4% Bilt Cash if Flexible Bilt Cash option selected
Earning Scenarios
Up to 1.25X on rent and mortgage
Earn points on your biggest monthly expense with zero transaction fees. Choose the tiered option for up to 1.25X or use Bilt Cash to unlock up to 1X.
1X points + 4% Bilt Cash on everything else
Stack 1X Bilt Points with 4% Bilt Cash on all non-housing purchases for a combined return that rivals cards with annual fees.
3X at Bilt Neighborhood partners
Earn 3X at participating restaurants, fitness studios, and on Lyft rides through the Bilt Neighborhood Benefits network.
Benefits & Perks
Insurance & Protections
3 protectionsUp to $800 cell phone protection per claim
secondary
Covers stolen or damaged phones up to $800/claim with $50 deductible when you pay your cell bill with this card.
View conditions
Deductible: 50
$1,000 purchase protection per item for 90 days
secondary
Items bought with your card are covered up to $1,000 if damaged or stolen within 90 days of purchase.
Secondary rental car collision damage waiver
secondary
Covers damage or theft of rental cars when you decline CDW and pay the full rental with this card.
Program & Transfers
Bilt Rewards
Bilt Rewards rewards earned with this card can transfer to 25 loyalty partners.
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 20+ partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Program Ratings
Transfer Partners (25)
Transfer your Bilt Points to 25 leading loyalty programs for maximum value.
Airlines
(18)Most partners accept Bilt Points at a 1:1 ratio with instant or near-instant transfers.
View detailed transfer ratios
Airlines
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 1-2 days | — | 1.5 cpp | |
| 1:1 | 1-2 days | — | 1.3 cpp | |
| 1:1 | 1-2 days | — | 1.3 cpp | |
| 1:1 | 1-2 days | — | — | |
| 1:1 | 1-2 days | — | 1.1 cpp | |
| 1:1 | 1-2 days | — | — | |
| 1:1 | 1-2 days | — | — | |
| 1:1 | 1-2 days | 88% | 1.25 cpp | |
| 1:1 | 1-2 days | 82% | 1.3 cpp | |
| 1:1 | 1-2 days | 76% | 1.3 cpp | |
| 1:1 | 1-2 days | 76% | 1 cpp | |
| 1:1 | 3-5 days | 76% | 1.25 cpp | |
| 1:1 | 1-2 days | 76% | 1.2 cpp | |
| 1:1 | 1-2 days | 71% | 1.25 cpp | |
| 1:1 | 1-2 days | 71% | 1.25 cpp | |
| 1:1 | 1-2 days | 65% | 1.35 cpp | |
| 1:1 | 1-2 days | 65% | 1.1 cpp | |
| 1:1 | 1-2 days | 53% | 1 cpp |
Hotels
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | 1-2 days | — | 0.5 cpp | |
| 1:1 | 1-2 days | — | 0.7 cpp | |
| 1:1 | 1-2 days | 100% | 1.65 cpp | |
| 3:2 | 1-2 days | 86% | 2.25 cpp | |
| 1:1 | 1-2 days | 41% | 0.7 cpp | |
| 1:1 | 1-2 days | 35% | 0.6 cpp | |
| 1:1 | 1-2 days | 29% | 0.4 cpp |
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | economy | Europe |
| Domestic US in Economy | 4,500 | economy | United States |
| US to Europe in Economy | 6,000 | economy | Europe |
| Domestic US in Economy on a Partner | 6,300 | economy | United States |
| US to South America in Economy | 7,100 | economy | South America |
| Domestic US and Canada in Economy | 7,100 | economy | United States |
| Intra-Europe in Economy | 7,500 | economy | Europe |
| US to Hawaii in Economy | 8,000 | economy | United States |
| Intra-Europe on Star Alliance | 8,000 | economy | Europe |
| Intra-Europe in Business | 8,000 | business | Europe |
| US to Mexico in Economy on a Partner | 11,500 | economy | Central America |
| Canada to Hawaii in Economy | 11,600 | economy | United States |
| US to Hawaii in Economy on a Partner | 15,000 | economy | United States |
| US to South America in Business | 22,500 | business | South America |
| US to Northern Africa in Economy | 25,000 | economy | Africa |
| US to Japan in Economy | 27,000 | economy | Asia |
| US to Hawaii in First Class | 30,000 | first | United States |
| US to South Korea in Economy | 30,000 | economy | Asia |
| US to Mexico in Business on a Partner | 30,000 | business | Central America |
| US to Southeast Asia in Economy | 39,200 | economy | Asia |
Showing top 20 of 31 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #114 of 119 | ||
| The Points Guy | 3.5/5 |
Category Rankings (1 category)
Editorial Review
The Bilt Blue Card is the entry-level card in the Bilt system. It lets you earn points on rent and mortgage payments, but there's a catch. The card also comes with a $100 Bilt Cash welcome offer just for signing up. Using Bilt Cash is one way to earn points on housing.
Key Takeaways
You can still earn points on rent (and now mortgage), but you must meet a required amount of non-housing spend to access that earning rate.. Bilt points remain transferable to a strong lineup of airline and hotel partners. You'll earn 4% back in Bilt Cash (which is different from Bilt points) on all non-rent, non-mortgage purchases, plus a few modest category bonuses. But as with most no-annual-fee cards, the other perks are thin.
Why This Card Could Be Right For You
You can still use this card to pay your rent, and you can also use it to pay your mortgage. The biggest change with Bilt 2.0 is that earning Bilt points on those payments must come by putting other, non-housing spend on the card. Fortunately there is still no annual fee on this introductory card.
You will earn $100 in Bilt cash for signing up for the card, with no spending requirement. That effectively serves as the welcome offer. You’ll also earn 4% back in Bilt Cash on all purchases excluding rent and mortgage.
Bilt Cash was introduced with Bilt 2.0 and can be used in several ways. Most notably, you can use it to earn Bilt points on rent or mortgage payments (every $30 in Bilt cash earns 1 point per dollar on $1000 in rent or mortgage payments). There are a variety of other ways to use Bilt Cash. You can see those in the "How to Redeem" section of the Bilt Rewards page.
Other Bilt Blue features include:
- 3x points at Bilt Neighborhood Partner restaurants
- 3x points at Bilt Neighborhood Partner fitness studios
- 3x points on Lyft rids
- 2x points at Walgreens
- Cellular Wireless Protection
- Purchase assurance
- MasterRental Coverage
Maximizing points efficiency
We don't often recommend no annual fee cards, but the Bilt Blue might be an exception because of the ability to earn points on housing. If you pay housing through Bilt and spend 75% of that amount on your card with non-housing purchases, you access 1x points on that housing spend.
- With a $2,000 housing payment and $1,500 in non-housing spend, you'll earn 3,500 total points using the Blue card
- That's an effective 2.33x return on your actual card spend, which is a very strong value for a no annual fee card
Read full review (3 more sections)
When The Usual Advice Doesn't Apply
The exceptions where this card might not be good for you:
- You were a Bilt 1.0 cardholder and used the card to earn points on rent with no caveats
- The new system no longer works for your budget and spending habits
What to Know About Bilt Rewards
No longer a clear winner for renters, but Bilt’s strong transfer partners make the program worth watching
- Bilt now has three credit cards, all with points transferable to partners that rival, or even outshine, Chase
- You can earn points for both rent and mortgage, but you'll have to put a significant amount of other monthly spend on the card to earn it
- Earning points on housing is more complex, and Bilt’s user base is shifting
- Bilt is now best used as a daily spend travel rewards card when not working on a new card welcome offer
- The program can still be highly rewarding, but you'll need a clear plan to maximize point earning
How The Bilt Blue Credit Card Fits In The Bilt Rewards Ecosystem
The Bilt Blue Card is the entry-level option in the Bilt lineup. It has no annual fee and offers a modest $100 sign-up bonus, paid in Bilt Cash (which is separate from Bilt points).
The next tier up is the Bilt Obsidian Card, which carries a $95 annual fee and includes:
- $200 Bilt Cash welcome bonus (no spending required)
- 4% back in Bilt Cash on all non-mortgage, non-rent purchases
- Stronger bonus categories than Bilt Blue
- $50 hotel credit, twice per year, for bookings made through the Bilt portal (requires a two-night minimum)
- If you use Bilt to pay your housing then spend 75% of that amount on non-housing purchases, you can effectively earn 2.33x, 3.33x, or 4.33x on that non-housing spend depending on the bonus category
At the top of the ecosystem is the Bilt Palladium Card, with a $495 annual fee. That’s partially offset by:
- $300 in Bilt Cash (no spending required)
- 50,000 Bilt points + Bilt Gold status after spending $4,000 on non-rent, non-mortgage purchases in the first 3 months
- 2x points on everyday spend (excluding rent and mortgage)
- Elevated multipliers with select partners
- $200 in additional Bilt Cash on your account anniversary (starting in year one)
- If you use Bilt to pay your housing then spend 75% of that amount on non-housing purchases, you can effectively earn 3.33x on that non-housing spend
All three Bilt cards earn points on rent and mortgage payments under the same rules. You choose one of two ways to access housing points:
- Option 1: Spend a required percentage of your monthly housing amount on non-housing purchases to access points on rent or mortgage, earning on a sliding scale up to 1.25X per dollar. The more non-housing spend you put on the card, the higher your housing earn rate.
- Option 2: Use Bilt Cash to access points on housing. Every $30 in Bilt Cash provides 1X points on up to $1,000 in rent or mortgage payments (with a 1x max redemption option)
Pros and Cons
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 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
- +10% intro APR on purchases for 12 months
- +No foreign transaction fees
- +Stainless steel card design
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
- -Tax payments do not earn points
Who It's Best For
Best For
- Renters or homeowners who want to earn points on housing with no transaction fees
- No-annual-fee seekers who want transferable travel points
- Budget-conscious spenders who prefer Bilt Cash + points stacking
- Entry-level Bilt members building toward elite status
Not Ideal For
- High spenders seeking premium travel benefits or lounge access
- Those who want high bonus multipliers on everyday spending categories
- Cardholders who find the Bilt Cash / tiered housing unlock system too complex
- Those seeking a large welcome bonus in points rather than cash
The Math: Is $0 Worth It?
First-year value includes $100 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No known hard rules | Bilt Blue is issued by Column N.A. (serviced by Cardless). No widely documented application rules like Chase 5/24. Requires good credit. |
Payment Terms
| Purchase APR | 26.74%–34.74% (Variable) |
| Cash Advance APR | 31.74%–34.74% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Bilt family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bilt Obsidian | mid | $95 | |
| Bilt Palladium | premium | $495 |
Product changes available between family members without a new credit inquiry.
FAQs
Can I use Bilt to pay my mortgage?
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
Are Bilt points worth more than Chase points?
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
What is the best way to use Bilt points?
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
Can you cash out Bilt points?
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
How does Bilt 2.0 earning on rent work?
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
What is Bilt Cash and how does it work?
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Can I earn Bilt points on mortgage payments?
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
Media & Resources
Video Reviews
8 videosBilt Blue Card Review: Worth It?!
NEW Bilt 2.0 Cards: Good or Bad? First Impressions
Bilt 2.0: FULL BREAKDOWN (Honest Review)
The Bilt Update Just Happened — Here's What You Need to Know
Bilt 2.0 Cards Review: DON'T Apply Before Watching This!
Bilt 2.0: choose Blue, Obsidian, or Palladium? (+ Rewards Math)
Bilt Blue Card Review | This, too, has passed
Third-Party Articles & Reviews
Bilt 2.0 Card Details: Bilt Blue Card, Bilt Obsidian Card, and Bilt Palladium Card
Detailed breakdown of all three new Bilt cards with analysis of earning rates, welcome bonuses, and transfer partner value for different spending profiles.
Bilt Credit Card Review: Which Of The Three Cards Is Right For You?
One Mile at a Time compares all three Bilt 2.0 cards including the Blue variant, evaluating which card best suits different spending patterns and housing costs.
Bilt Blue Card review: No-annual-fee rewards on rent or mortgage
TPG provides an in-depth review of the Bilt Blue Card's no-annual-fee structure and how it stacks up against other rent-rewards cards with premium earning features.
Bilt 2.0 Credit Cards Launch: Which Card Is Right For You?
CNBC Select provides comprehensive analysis of all three Bilt 2.0 cards, explaining the complex earning structure and helping readers determine which card fits their spending patterns.
Why we think the new Bilt credit cards are too complex for most people
CNN Underscored critiques the Bilt 2.0 redesign, explaining why the new Bilt Cash system and housing payment structure adds unnecessary complexity compared to the original Bilt card.
Bilt Blue Card Review 2025 - Daily Drop
Daily Drop reviews the Bilt Blue Card's features, focusing on the no-fee structure and real-world earning potential for renters and homeowners.
Bilt Blue Card Review: No-Fee Rent Rewards in 2026 - Kudos
Kudos provides a comprehensive analysis of the Bilt Blue Card's earning structure, comparing its performance to competitor cards and offering practical guidance for determining if it's worth applying.
Bilt Blue Card: Complex Housing Rewards, Modest Everyday Ones
NerdWallet reviews the Bilt Blue Card's earning structure for rent and mortgage payments, analyzing whether the complex housing rewards system is worth it for everyday spending.
Bilt Cards 2.0 review: Are they better than the original — and can you still earn points on rent?
Yahoo Finance analyzes whether Bilt 2.0 improves upon the original Bilt Card, examining the complexity of the new Bilt Cash system and housing payment earning methods.
My take on Bilt 2.0
Frequent Miler breaks down the Bilt 2.0 launch, discussing the value proposition of all three cards and detailing a sophisticated strategy for maximizing Bilt points through the new earning structure.
Bilt Card Benefits Mismatch Official Guides — What To Know
Upgraded Points identifies discrepancies between Bilt's marketing materials and official Guides to Benefits for the Bilt Blue Card, highlighting missing travel protections.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Bilt Rewards Official | — | Bilt Rewards Official |
| The Points Guy | — | The Points Guy |
| Issuer Page | Issuer Page: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Bilt Rewards Official | Bilt Rewards Official |