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Side-by-side

Bilt Blue vs Bank of America Travel Rewards

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Bank of America Travel Rewards from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt BlueBank of America Travel Rewards
Annual fee$0$0
Sign-up bonus$100 Bilt Cash25,000 points
Bonus value (est.)$100$250
Min spend to unlock bonus$0 in 0 mo$1,000 in 3 mo
IssuerBilt / CardlessBank of America
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 1.5x everywhere
  • No annual fee
  • No foreign tx fees
  • Preferred Rewards boost
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Editorial take: Bank of America Travel Rewards

The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Bank of America Travel Rewards?
The Bank of America Travel Rewards has the bigger bonus, 25,000 points, worth roughly $250, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Bank of America Travel Rewards?
The Bilt Blue has no annual fee, so the question is whether the Bank of America Travel Rewards's $0 fee is justified by its perks. If you'll use enough of the Bank of America Travel Rewards's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Bank of America Travel Rewards?
Yes, since they're from different issuers (Bilt / Cardless and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Bilt Blue or the Bank of America Travel Rewards first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Bank of America Travel Rewards: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.