Bilt Blue

Cardless

Sign-up Bonus

$100 Bilt Cash when you apply & are approved

1XAll other purchases1.6%

1XRent and mortgage payments (requires Bilt Cash to unlock)1.6%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Protections (3)

Purchase Protection — up to $1,000 — 90 days coverage for theft or damage up to $1,000 per claim, $50,000 per account per 12-month period
Auto Rental Collision Damage Waiver (secondary) — Secondary MasterRental coverage for collision damage and theft when renting a vehicle (rentals under 31 days). Must decline rental company's optional waiver.
Cell Phone Protection — up to $800 — Up to $800 per claim with $50 deductible, $1,000 per card per 12-month period, 2 claims per 12-month period. Must pay monthly cell phone bill with card.

Earn unlimited 1X Bilt Points on rent and mortgage payments (no transaction fees when funded with Bilt Cash)
Earn 4% Bilt Cash on all everyday purchases (excludes rent/mortgage)
Rent Day: for a 24-hour period on the 1st of each calendar month, earn double points on all non-rent purchases, capped at 1,000 bonus points; rent/mortgage still earns 1X on Rent Day (FrequentMiler's Bilt Rewards guide, frequentmiler.com/bilt-rewards-complete-guide/, and bilt.com, read 08/09/26)
Bilt Cash can be used dollar-for-dollar for Lyft, hotel, dining, fitness, home delivery, and other Bilt partner credits
Up to $100 Bilt Cash rolls over to the next calendar year; remainder expires Dec 31
Earn $50 in Bilt Cash for every 25,000 Bilt Points earned during a calendar year
Rent and mortgage payments debit directly from linked bank account (does not use credit line)
Free reporting of on-time rent payments to major credit bureaus
10% introductory APR on new purchases for first 12 months
Redeem points for 1.25 cents per point through Bilt Travel portal