The Bilt Blue's reason to exist is rent: you can pay rent or a mortgage with the card at no transaction fee and earn up to 1.25x points on it, all for no annual fee. That alone sets it apart from almost every other no-fee card, since housing is usually the one big bill you can't put on plastic for free. The catch is everything else is modest: everyday spend earns just 1x, the 3x on hotels and 2x on flights only apply when booked through Bilt Travel, and the 3x transit rate covers Lyft rides only. The rent multiplier is also not guaranteed, because Bilt sets it each billing cycle based on how much you spend elsewhere relative to your housing payment, and choosing the 4% Bilt Cash track instead lowers housing to 1x. The $100 welcome bonus arrives as Bilt Cash for the Bilt ecosystem, and the intro offer is a fixed 10% purchase rate for 12 billing cycles rather than a true 0%, so treat this as a rent card first.
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 |