Who it's for
Rewards on rentPremium travelNo annual fee
Bilt Blue Card
Entry-level Bilt card with no fee. Bilt 2.0 (launched 2025) changed the model: rent points are no longer automatic — you must earn Bilt Cash on non-housing spend, then redeem it to unlock rent points. Best for renters who want a no-fee option to enter the Bilt ecosystem.
$869/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 14 transfer partners
- 1x Bilt Points on all everyday purchases (non-housing)
- Earn rent/mortgage points only by redeeming Bilt Cash first — 1,000 points per $30 Bilt Cash redeemed (Bilt 2.0 model — no longer automatic)
- Must make 5+ transactions per statement period to earn any points
- No annual fee, no foreign transaction fees
- Cellular wireless telephone protection
- Access to all 14 Bilt transfer partners (United, Aeroplan, Hyatt, Hawaiian, AA, etc.)
- Free credit reporting on rent payments to all three bureaus
- Eligible for Bilt Rewards member benefits (Rent Day 2x bonus, dining at Bilt Neighborhoods)
Transfer partners
United MileagePlusAir Canada AeroplanAir France-KLM Flying BlueSingapore KrisFlyerTurkish Miles&SmilesCathay Pacific AsiaMilesAvianca LifeMilesBritish Airways AviosAlaska Mileage PlanHawaiian MilesAmerican AAdvantageWorld of HyattMarriott BonvoyIHG One Rewards
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