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$0 Annual Fee
Earn $100 of Bilt Cash when you apply and are approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Earn $100 of Bilt Cash when you apply and are approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
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: up to 1.25X 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.
🏆 Best for $0 Annual Fee and Intro APR
🏆 Best for $0 Annual Fee and Intro APR
Annual Fee: $0
Annual Fee: $39
🏆 Best For Office Supply Purchases
🏆 Best For Office Supply Purchases
Annual Fee: $0
Earn $100 of Bilt Cash when you apply and are approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
The Bilt Blue Card (see rates & fees) 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: up to 1.25X 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 and there are no foreign transaction fees, which is a pretty nice perk for a no-annual-fee card (see rates & fees). 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.
[.pro] No annual fee, but you still earn up to 1.25x points on rent and mortgage with no transaction fee [.pro]
[.pro] Earns 1x points on everyday spend [.pro]
[.pro] No foreign transaction fees [.pro]
[.con] No big category bonuses… this is a foundation card, not a “maximize everything” card [.con]
[.con] If you want meaningful credits or faster earning, you’ll probably outgrow it and move up the lineup [.con]
Ensure that you're earning the most points on your housing payments by calculating how much Bilt Cash you'll need to earn (through non-housing purchases) to unlock the full 1.25x on housing spending.
If you want to earn points on your rent or mortgage with no transaction fees, the Bilt Blue Card is a great way to do it.
Bilt Blue is also great for anyone looking for a way into the Bilt ecosystem. Bilt is currently the only bank that transfers to Atmos Rewards and Bilt Blue is the only no-annual-fee card (see rates & fees) that transfers at a 1:1 ratio to Hyatt.
If you're looking for a nice welcome offer to get you booking trips ASAP, you won't find that here. Also, higher spenders and those comfortable with an annual fee will get more out of either the Bilt Obsidian Card or the true powerhouse, the Bilt Palladium Card.
You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Sapphire Preferred, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
It's recommended that you have at least a credit score in the "good" range for the Bilt Blue Card.
