The Bilt Blue Card is the simplest one in the lineup. Sometimes you just want something straightforward that earns valuable points without asking you to pay an insane annual fee. With the Bilt Blue Card, you still get the headline feature that makes Bilt… Bilt: unlimited 1X points on rent and mortgage payments with no transaction fee. That’s huge, because most rewards cards either can’t do that at all or make it annoying and expensive. Blue is basically the on-ramp for people who want to start earning points from their biggest monthly expense without committing to a pricey annual fee.

And even outside housing, it’s still useful. You earn points on everyday purchases plus 4% back in Bilt Cash, and there are no foreign transaction fees, which is a pretty nice perk for a no-annual-fee card. If you’re newer to points and miles (or you’re just not interested in paying annual fees right now), the Bilt Blue Card is one of the cleanest ways to get real value out of where you live. And if you end up loving the program, you can always level up later, but this is a genuinely solid place to start.