Bilt Blue

Earning Rates

Key Benefits

• $0 annual fee
• 1x everywhere, no caps
• Up to 1.25x on rent
• Rent Day 2x on the 1st

All Benefits

• Welcome offer: $100 in Bilt Cash upon approval, with no minimum spend requirement. Up to $100 of Bilt Cash earned rolls over to the next year. Verified by Frequent Miler and One Mile at a Time as the public Bilt Blue Card welcome offer
• $0 annual fee
• 1x Bilt Points on rent payments with no transaction fee on up to $100,000 of rent per calendar year (Bilt's signature mechanic: pay rent via ACH, debit, or check through the Bilt app or have the landlord accept the Bilt Mastercard direct, with no payment processing fee)
• 3x Bilt Points on dining at restaurants worldwide, including takeout and eligible delivery
• 2x Bilt Points on travel purchases, including flights, hotels, car rentals, cruises, and rideshare
• 1x Bilt Points on all other purchases
• Rent Day: on the 1st of every month, earning rates double on non-rent spend (so 6x dining, 4x travel, 2x other), capped at 10,000 bonus points per Rent Day; rent itself continues to earn 1x and does not double
• Must use the card at least 5 times each statement period to earn points on that statement's purchases (Bilt's standard activity requirement carries over to the Blue tier)
• Bilt Points value: independently valued at approximately 1.65 cents per point based on transfer-partner award redemptions (per The Points Guy monthly valuations)
• 1:1 point transfer to 15+ airline and hotel partners with no transfer fees and frequent transfer bonuses on Rent Day
• Airline transfer partners (12): American Airlines AAdvantage, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club / Avios (also feeds Iberia and Qatar Avios), Cathay Pacific Asia Miles, Emirates Skywards, Hawaiian Airlines HawaiianMiles, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, United MileagePlus, Virgin Atlantic Flying Club, plus Alaska Mileage Plan on select promotions
• Hotel transfer partners (3): World of Hyatt at 1:1, Marriott Bonvoy at 1:1, IHG One Rewards at 1:1
• Redeem points for travel through the Bilt Travel portal, for rent credits (apply points directly to next month's rent at 1 cpp), for fitness classes through the Bilt Neighborhood network, or for SoulCycle / Equinox / Aurum / Walkabout members club credits
• No foreign transaction fees on purchases made outside the United States
• World Elite Mastercard network: includes the standard World Elite Mastercard benefit suite (cell phone protection, Mastercard ID Theft Protection, Lyft credits on the Mastercard network, Boxed and DoorDash partner offers, Priceless Cities experiences)
• Cell phone protection via World Elite Mastercard: up to $800 per claim against damage or theft when you pay your monthly cell phone bill with the card (subject to deductible and World Elite Mastercard claim terms)
• Issued by Cardless (not Wells Fargo): the new Bilt Blue is the first card in the Bilt-Cardless partnership tier, separate from the existing Wells Fargo-issued Bilt Mastercard; Cardless underwrites and services the account
• Bilt Rewards Alliance: cardholders earn additional points at thousands of partnered local restaurants and Bilt Neighborhood merchants automatically when paying with the Bilt Blue card (no enrollment required beyond linking)
• Path to Homeownership: rent payments made through Bilt are reported to major credit bureaus (TransUnion, Equifax, Experian) on an opt-in basis to help build credit history, and Bilt offers a future mortgage program with rent-points-to-closing-costs conversion
• Authorized users at no additional fee
• Mastercard Zero Liability protection against unauthorized use
• Annual fee for authorized users: Not offered as a charged fee (authorized users are free on Bilt Blue)
• Airport lounge access: Not offered (no Priority Pass, no Mastercard Travel Pass, no proprietary lounge access on the Blue tier; lounge access is a differentiator reserved for higher Bilt tiers)
• Hotel or airline elite status: Not offered (the Bilt Blue card does not confer complimentary status with World of Hyatt, Marriott, IHG, or any airline program)
• Annual travel or dining statement credits: Not offered (no recurring DoorDash, Lyft, hotel, airline, or streaming credits on the Blue tier)
• TSA PreCheck / Global Entry application fee credit: Not offered on Bilt Blue (this perk is reserved for premium Bilt tiers)
• Trip cancellation, trip interruption, or trip delay insurance: Not offered on Bilt Blue beyond any baseline World Elite Mastercard terms (Bilt has not advertised proprietary trip protection on this tier)
• Auto rental collision damage waiver: Not offered as a primary CDW on Bilt Blue; only secondary coverage to the extent World Elite Mastercard provides it, behind the cardholder's personal auto insurance
• Purchase protection or extended warranty: Not offered as a proprietary Bilt benefit on the Blue tier (any coverage comes solely from baseline World Elite Mastercard terms, which are limited)
• Annual spending milestone bonus: Not offered (no high-spend statement credit on Bilt Blue)
• Card requirement to earn points: you must pay rent through Bilt at least once per statement period for non-rent purchases to count toward the rent-day and bonus categories under Bilt's published terms (Bilt's standard rule that the card is built around rent participation)

Bilt Rewards points transfer to these loyalty programs:

American AAdvantage

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United MileagePlus

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British Airways Avios

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Air France/KLM Flying Blue

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Air Canada Aeroplan

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Turkish Miles&Smiles

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Avianca LifeMiles

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World of Hyatt

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IHG One Rewards

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Marriott Bonvoy

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