Bilt Blue's reason to exist is rent: you can pay housing with the card and earn up to 1.25x points with no transaction fee, which is spending almost no other card will touch, and it costs nothing annually. Around that sit 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 award. The important caveat is that the rent multiplier is conditional: it applies only on the housing rewards track, and the exact rate is set each billing cycle based on your everyday spend relative to the housing payment, so 1.25x is a ceiling rather than a promise. Everything else earns just 1x, and the alternative 4% Bilt Cash track on everyday spend replaces the rent points rather than adding to them, in a separate currency used mainly for point accelerators. The intro APR is also unusual, a fixed 10% for the first 12 billing cycles rather than 0%, and the ongoing rate runs 26.74% to 34.74%, so this is a card to pay in full.
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 |