Bilt Blue
Column N.A.No annual feeWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
$100
One Bilt Card at a Time, Bilt Card 2.0 Welcome Bonus Rule. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$100 cash | $100 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| First year | $100 |
| Each year after | +$115 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 1X | Rent and mortgage payments0.5X to 1.25X by card spend on Housing-only; 1X with Bilt Cash on Flexible | 1.6% |
| 1X | Everything else | 1.6% |
Personal card · Earns Bilt Rewards · Authorized user fee $0
Benefits
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.
Other Perks
- 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
- 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
The Bilt family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Bilt BlueOct 8, 2026
- changed from Free to 0Sep 30, 2026
- changed from Cardless to Column N.A.Sep 23, 2026
- changed from null to 0Aug 13, 2026