The Bilt Blue's reason to exist is rent: it earns up to 1.25x points on rent and mortgage payments with no transaction fee and no annual fee, something few cards allow at all. It adds 3x on hotels and 2x on flights booked through Bilt Travel, 3x on Lyft rides once you link your account, and a $100 Bilt Cash welcome bonus. The catch is that everyday spending earns just 1x, and the rent multiplier is not fixed: Bilt sets it each billing cycle based on how much you spend relative to your housing payment, so light users may see less than 1.25x. You also have to pick a track, since the 4% Bilt Cash option on everyday spend replaces the rent points rather than stacking with them. The 10% intro rate for 12 billing cycles is lower than the regular 26.74% to 34.74% APR but is not a 0% offer, so don't treat it as a financing tool.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels booked through Bilt Travel | 3x |
Transit On Lyft rides (after linking your Lyft account) | 3x |
Flights (via Portal) Flights booked through Bilt Travel | 2x |
Rent Up to 1.25x on rent and mortgage payments with no transaction fee, when the housing-only rewards track is selected. The exact multiplier is set each billing cycle from your everyday spend relative to the housing payment; on the Bilt Cash track housing earns up to 1x instead. | 1.25x |
Everything Else Everyday spend earns the base 1x in points. Bilt also offers a 4% Bilt Cash option on everyday spend as an alternative to the up to 1.25x rent points (you choose one track, not both); Bilt Cash is a separate currency used mainly for point accelerators, not cash back. | 1x |
Card details
Regular APR | 26.74%–34.74% variable |
Intro APR on purchases | 10% for 12 months |
Foreign transaction fee | None |