Bilt Blue
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View Offer$100 in Bilt Cash upon approval, no minimum spend required. Up to $100 of Bilt Cash earned rolls over to the next year. Verified via Frequent Miler and One Mile at a Time as the public welcome offer for the Bilt Blue Card.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- $0 annual fee
- 1x everywhere, no caps
- Up to 1.25x on rent
- Rent Day 2x on the 1st
Earning rates
5- 0.5x
Rewards on rent and mortgage paid through Bilt with no transaction fee and no annual cap on housing rewards. Under the Housing-only rewards option the housing multiplier is conditional on everyday spend in the same billing cycle: 0.5X when everyday spend reaches 25% of the monthly housing payment, 0.75X at 50%, 1X at 75%, and 1.25X at the same or more, with a flat 250 points when no threshold is reached. The Flexible Bilt Cash option instead earns 4% back in Bilt Cash on everyday purchases, which you can redeem to unlock up to 1X points on a housing payment
- 1xdining
1X Bilt Points at restaurants is the Blue Card base rate, and the Bilt Neighborhood Dining bonus stacks on top of it at 20,000+ participating Bilt Neighborhood locations for up to 4X in total. Bilt states the bonus varies by restaurant and is shown in the Bilt app, so 4X is a ceiling at partner locations and not a general restaurant rate
- 1xlodging
1X Bilt Points is the base rate on travel booked direct. Through the Bilt Travel portal only, hotels earn 3X in total and flights earn 2X in total, which Bilt describes as a +2X hotel bonus and a +1X flight bonus stacked on the 1X base rate
- 3xtransit
3X Bilt Points on Lyft, uncapped: a +2X Lyft bonus stacked on the Blue Card's 1X base rate
- 1xeverything else
1X Bilt Points on everything else
Perks & memberships
3- RedemptionRedeem 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 feesNo foreign transaction fees on purchases made outside the United States
- Authorized usersAuthorized users at no additional fee
Travel & purchase protections
3- 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)
- Mastercard Zero Liability protection against unauthorized use
More benefits & fine print (3)ShowHide
- No transaction minimum: Bilt states the 5-transaction monthly minimum was a requirement of the original Bilt Card and does not apply to any Bilt Card 2.0 product, so there is no transaction minimum to earn on housing
- Issued by Column N.A., Member FDIC (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; Column N.A. issues the account and Cardless services it
- 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)
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
How we verified this card (3 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Bilt Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
See the Current Offer
Earn $100 Bilt Cash
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.