Best Cards for Earning Atmos Rewards

80,000

Bonus Miles

Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days after account opening.

80,000

Bonus Miles

Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days after account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Personal Cards

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Business Cards

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Transfer to Atmos Rewards

‍🏆 Best Starter Bilt Card

Bilt Blue Card

‍🏆 Best Starter Bilt Card

$0 Annual Fee

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$100 Bilt Cash

Bonus Points

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.

Bonus Points

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 Mid-Tier Bilt Option

Bilt Obsidian Card

‍🏆 Best Mid-Tier Bilt Option

$95 Annual Fee

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$200 Bilt Cash

Bonus Points

Earn $200 of Bilt Cash (Up to $100 of Bilt Cash earned rolls over to the next year) when you apply and get approved.

Bonus Points

Earn $200 of Bilt Cash (Up to $100 of Bilt Cash earned rolls over to the next year) when you apply and get approved.

The Bilt Obsidian Card feels like the “adult” version of what most people want from a rewards card with strong everyday earning, a reasonable annual fee, and perks that match your spending habits. It’s not trying to be the fanciest card in your wallet, but it could easily be the one you use the most. The big draw here is that it keeps the most important Bilt perk with up to 1.25x on rent and mortgage payments with no transaction fee, plus accelerated earnings in key spending categories. You also have the option to earn Bilt Cash on everyday spend (and up to $100 of Bilt Cash earned rolls over to the next year).

‍🏆 Best Premium for Earning on Rent

Bilt Palladium Card

‍🏆 Best Premium for Earning on Rent

$495 Annual Fee

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50,000 Points + $300 Bilt Cash

Bonus Points

Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.

Bonus Points

Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.

The Bilt Palladium Card is one of those rare premium cards that’s not trying to bribe you into loving it with a million confusing perks. If you’re the kind of person who hates category optimization (or just doesn’t want to be doing mental math), this card could be a good option for you. You’re earning up to 1.25x on rent and mortgage, plus points on everyday purchases. You also have the option to earn Bilt Cash on everyday spend (and up to $100 of Bilt Cash earned rolls over to the next year), which adds up quickly if you put real spend on one card.