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Bilt Blue vs PenFed Power Cash Rewards Visa Signature Card

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the PenFed Power Cash Rewards Visa Signature Card from PenFed 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 BluePenFed Power Cash Rewards Visa Signature Card
Annual fee$0$0
Sign-up bonus$100 Bilt Cash$100 statement credit
Bonus value (est.)$100$100
Min spend to unlock bonus$0 in 0 mo$1,500 in 3 mo
IssuerColumn N.A.PenFed
Card categorytravelcashback
Best earning category (Lyft)3x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
    Read the full review
    Bilt Blue
    $0/yr · $100 Bilt Cash
    Read the full review
    PenFed Power Cash Rewards Visa Signature Card
    $0/yr · $100 statement credit

    Editorial take: Bilt Blue

    The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

    Editorial take: PenFed Power Cash Rewards Visa Signature Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Blue or PenFed Power Cash Rewards Visa Signature Card?
    The two cards offer comparable sign-up bonuses around $100. Pick based on which earning categories you actually use.
    Is the Bilt Blue's $0 annual fee worth it compared to the PenFed Power Cash Rewards Visa Signature Card?
    The Bilt Blue has no annual fee, so the question is whether the PenFed Power Cash Rewards Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the PenFed Power Cash Rewards Visa Signature Card'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 PenFed Power Cash Rewards Visa Signature Card?
    Yes, since they're from different issuers (Column N.A. and PenFed) 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 PenFed Power Cash Rewards Visa Signature Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. PenFed Power Cash Rewards Visa Signature Card: $1,500 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.