A solid option for those who prefer straightforward earnings with minimal effort
Meet the Bilt Blue Card
The no-annual-fee† card that rewards your rent and everyday spend
Turn your rent, mortgage, and everyday spending into the richest rewards
Earn up to 1.25X points on housing
The more you use your card for everyday spend, the higher your points multiplier is on housing payments.
Earn Bilt Points: The most valuable rewards points
Earn what rewards experts consistently rank as the most valuable points in the market
No transaction fee on rent and mortgage payments
Make rent and mortgage payments with no transaction fee through Bilt, always. If your rent is $2,000, you’ll pay $2,000 using your Bilt Card.
Earn everywhere you spend, all with no annual fee†
Sign-up bonus1
$100of Bilt Cash
Spend across the Bilt ecosystem.Learn moreYour point earnings1
Bilt partner restaurants20,000+ U.S. restaurants
up to4X
Hotels & FlightsBooked on Bilt Travel Portal
up to3X
LyftAfter linking Bilt and Lyft accounts
3X
Other everyday purchases
1X
Bilt housing rewards1
Rent and mortgage
up to1.25X
10%
intro APR on new eligible purchases for 12 billing cycles after account opening. After the intro period, a variable APR of 26.74% – 34.74% will apply.†
$0 annual fee†
Plus, get even more premium benefits
Rich rewards across the Bilt network
Earn additional rewards when you use your Bilt Card at our network of 50,000+ merchants.
No foreign transaction fees†
Enjoy no foreign transaction fees when traveling internationally.
Cellular Wireless Telephone Protection2
Get reimbursed for covered damage or theft to your cellphone.
And even more benefits
- MasterRental Coverage
- Purchase Assurance
- Mastercard ID Theft Protection
Redeem Bilt Points and Bilt Cash on travel, everyday purchases and more
Bilt Travel Portal Bookings
Book with any airline or hotel brand
Transfer partners
With 25 transfer partners and counting, the Bilt ecosystem offers more ways to use your travel points than any other rewards program
Statement credit
Pay off your Bilt Card statement balance with points
Lyft rides
Use Bilt Points toward rides around your neighborhood with Lyft
Rent credit
Pay off part of your monthly rent with points
Gift cards
Purchase gift cards at your favorite merchants
Bilt Travel Portal Bookings
Book with any airline or hotel brand
Transfer partners
With 25 transfer partners and counting, the Bilt ecosystem offers more ways to use your travel points than any other rewards program
Statement credit
Pay off your Bilt Card statement balance with points
Lyft rides
Use Bilt Points toward rides around your neighborhood with Lyft
Rent credit
Pay off part of your monthly rent with points
Gift cards
Purchase gift cards at your favorite merchants
Earn points on your rent and mortgage payments with no transaction fee
Make payments via payment portals, Venmo, or check
Pay through your landlord's or mortgage servicer's portal, send via Venmo, or generate a check payment with Bilt BillPay.
Make housing payments without using your credit line
When you make a rent or mortgage payment, the charge is processed on your Bilt Card and is paid off by your linked bank account within 24 hours — keeping your credit line free for everyday spending.
Earn points at multiple properties
Whether you’re renting, owning, or doing both, you can earn points on all eligible payments.1
The more you spend the more you earn on housing
The more you use your card for everyday spend, the higher your points multiplier is on housing
Everyday spendRewards on housing (Example of $2,000 rent)
25%of housing payment
0.5X1,000 points
50%of housing payment
0.75X1,500 points
75%of housing payment
1X2,000 points
100% or moreof housing payment
1.25X2,500 points
What the experts are saying about the Bilt Blue Card
Bilt Blue Card is the best $0 annual fee† points transfer card in the market
Offers industry-leading flat-rate earnings for those who can boost their rewards by earning points on housing.
A solid entry card to the world of Bilt, offering 1X on everyday purchases without charging an annual fee†.
Compare Bilt Card benefits
Bilt Blue Card
No annual fee card†
Bilt Obsidian Card
For dining or grocery maximizers
Bilt Palladium Card
Our most rewarding premium card
Bilt Blue Card
No annual fee card†
Sign-up bonus1
$100 of Bilt Cash
when you apply and get approved
Everyday rewards1
Up to 4X on Bilt partner restaurants
20,000+ U.S. restaurants
3X on Hotels
Booked on the Bilt Travel Portal
3X on Lyft
After linking Bilt and Lyft accounts
2X on Flights
Booked on the Bilt Travel Portal
1X points on other everyday purchases
Bilt-exclusive bonus rewards1
Up to 1.25X points on rent and mortgage
Additional benefits1
Premium lifestyle benefits2
No foreign transaction fees†
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Bilt Obsidian Card
For dining or grocery maximizers
Sign-up bonus1
$200 of Bilt Cash
when you apply and get approved
Everyday rewards1
Up to 6X on Bilt partner restaurants
20,000+ U.S. restaurants
4X on Hotels
Booked on the Bilt Travel Portal
3X on Lyft
After linking Bilt and Lyft accounts
3X on Flights
Booked on the Bilt Travel Portal
3X points on your choice of dining or grocery
Grocery up to $25K/year
2X points on other travel
1X points on other everyday purchases
Bilt-exclusive bonus rewards1
Up to 1.25X points on rent and mortgage
Additional benefits1
$100 Bilt Travel Hotel credit
Awarded twice a year, as $50 statement credits, to be used every six months.
Premium lifestyle benefits2
No foreign transaction fees†
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Bilt Palladium Card
Our most rewarding premium card
Sign-up bonus1
$300 of Bilt Cash
when you apply and get approved
50,000 Bilt Points + Gold Status
after spending $4,000 on everyday purchases in the first 90 days
Everyday rewards1
Up to 5X on Bilt partner restaurants
20,000+ U.S. restaurants
4X on Hotels
Booked on the Bilt Travel Portal
4X on Lyft
After linking Bilt and Lyft accounts
3X on Flights
Booked on the Bilt Travel Portal
2X points on other everyday purchases
Bilt-exclusive bonus rewards1
Up to 1.25X points on rent and mortgage
Additional benefits1
$200 of Bilt Cash
Issued annually. Up to $100 of Bilt Cash rolls over into the next calendar year.
$400 Bilt Travel Hotel credit
Awarded twice a year, as $200 statement credits, to be used every six months.
Premium lifestyle benefits2
No foreign transaction fees†
Priority Pass (worth $469/year)
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Baggage Delay Insurance
Lost or Damaged Luggage Insurance
Price Drop Protection
Sign-up bonus1
$100 of Bilt Cash
when you apply and get approved
$200 of Bilt Cash
when you apply and get approved
$300 of Bilt Cash
when you apply and get approved
50,000 Bilt Points + Gold Status
after spending $4,000 on everyday purchases in the first 90 days
Everyday rewards1
Up to 4X on Bilt partner restaurants
20,000+ U.S. restaurants
3X on Hotels
Booked on the Bilt Travel Portal
3X on Lyft
After linking Bilt and Lyft accounts
2X on Flights
Booked on the Bilt Travel Portal
1X points on other everyday purchases
Up to 6X on Bilt partner restaurants
20,000+ U.S. restaurants
4X on Hotels
Booked on the Bilt Travel Portal
3X on Lyft
After linking Bilt and Lyft accounts
3X on Flights
Booked on the Bilt Travel Portal
3X points on your choice of dining or grocery
Grocery up to $25K/year
2X points on other travel
1X points on other everyday purchases
Up to 5X on Bilt partner restaurants
20,000+ U.S. restaurants
4X on Hotels
Booked on the Bilt Travel Portal
4X on Lyft
After linking Bilt and Lyft accounts
3X on Flights
Booked on the Bilt Travel Portal
2X points on other everyday purchases
Bilt-exclusive bonus rewards1
Up to 1.25X points on rent and mortgage
Up to 1.25X points on rent and mortgage
Up to 1.25X points on rent and mortgage
Additional benefits1
$100 Bilt Travel Hotel credit
Awarded twice a year, as $50 statement credits, to be used every six months.
$200 of Bilt Cash
Issued annually. Up to $100 of Bilt Cash rolls over into the next calendar year.
$400 Bilt Travel Hotel credit
Awarded twice a year, as $200 statement credits, to be used every six months.
Premium lifestyle benefits2
No foreign transaction fees†
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
No foreign transaction fees†
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
No foreign transaction fees†
Priority Pass (worth $469/year)
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Baggage Delay Insurance
Lost or Damaged Luggage Insurance
Price Drop Protection
Your Bilt Blue Card questions answered
The Bilt Blue Card is a $0 annual fee† World Elite Mastercard.
Earning: 4X at Bilt dining partners, 3X on hotels through Bilt Travel. 3X on Lyft. 2X on flights through Bilt Travel. 1X on everything else. Up to 1.25X points on rent and mortgage payments when housing-only option is selected.¹
Credits and fee waivers: $0 annual fee†; no foreign transaction fees†; no transaction fee on housing payments made through Bilt.¹
Travel and purchase protections: MasterRental car rental coverage; trip cancellation and interruption protection; trip delay reimbursement; purchase assurance; cellular wireless telephone protection.²
Intro APR: 10% on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†
Yes to both. The Bilt Blue Card has a $0 annual fee with no spending requirement to waive it and no first-year-only promotion — it has $0 annual fee every year you hold the card.†
Bilt cardholders also never pay a transaction fee on rent or mortgage payments made through Bilt. If your property management portal normally charges a 2–3% convenience fee for card payments, paying through Bilt bypasses that fee entirely. For a renter paying $1,800/month, that’s up to $648/year in avoided fees.¹
Yes, and this is one of the core reasons the Bilt Blue Card exists. You never pay a card convenience fee on rent payments made using the Bilt Blue Card, regardless of what your landlord’s portal normally charges.¹
Here is how it works. When you get your Bilt Card, Bilt provides you with a dedicated account and routing number in the Bilt app. In your landlord’s payment portal, you add this as an account — the portal will typically label this option as “bank account,” “e-check,” or “ACH.” Do not select “credit card.” Because the portal does not see a card entry, the credit card convenience fee doesn’t trigger.
Once you submit the payment through your landlord’s portal, the funds are debited from your linked personal bank account within 24 hours — not from your credit line. Your landlord receives a standard ACH payment. They have no visibility into how it is funded on your end.
If your building doesn’t have an online portal, Bilt can also process the payment via Venmo, or a physical check mailed directly to your landlord — all with no transaction fee.¹
The result: your landlord gets paid the same way they always have. You pay no convenience fee. And your Bilt Blue Card can earn rewards on the full payment.¹
Yes — and for a no-annual-fee† card, these stacked rates are exceptional.
At Bilt Neighborhood Dining restaurants — 20,000+ participating locations — you earn bonus Bilt Points per dollar stacked on top of the Blue Card’s 1X base rate.¹ The bonus varies by restaurant and is shown in the Bilt app at your visit. Pay with your Blue Card and the points post automatically — no activation needed.
On Lyft, link your Bilt and Lyft accounts in the Bilt app. The Lyft partnership adds 2X per dollar on eligible rides on top of the Blue Card’s 1X base rate, for 3X total Bilt Points per dollar on Lyft — uncapped, on a card with no annual fee.¹,†
Through the Bilt Travel Portal⁴, the Blue Card earns +2X on hotel bookings and +1X on flights stacked on top of its 1X base rate.¹ That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel — rates that rival mid-tier travel cards.
No other no-annual-fee† card earns 3X on hotels, 3X on Lyft, and rewards on rent and mortgage with no transaction fee simultaneously.
The Bilt Blue Card’s primary differentiator is rent and mortgage rewards with no transaction fee on housing payments — something no other no-annual-fee† credit card provides without a processing fee that negates rewards value.
Under Housing-only rewards, renters with a $1,000 rent who spend $1,000 on everyday spend in the same billing cycle earn 1,250 points on their housing payment and 1,000 points on everyday spend.¹ Unlocking this points category can make the Bilt Blue Card the equivalent of a 2.25X+ everyday spend card that doesn’t earn points on housing.
The Blue Card creates an earning opportunity on renters’ single largest monthly expense that no competing no-annual-fee† card matches.
Yes. The Bilt Blue Card earns rewards on rent, mortgage, and HOA payments made through Bilt — there is no restriction to renters only. If you currently rent but plan to buy, your card earns rewards on mortgage payments using the same rewards structure as renting, with no transaction fee and no annual cap on housing rewards.¹
The Bilt Blue Card offers a 10% introductory APR on new eligible purchases for the first 12 billing cycles after account opening. After the intro period, a variable APR of 26.74%–34.74% applies.†
As a World Elite Mastercard, the Bilt Blue Card includes: primary MasterRental car rental coverage (your coverage applies first — no personal auto insurance claim needed); trip cancellation and interruption protection; trip delay reimbursement; purchase assurance for new purchases; and cellular wireless telephone protection.²
