Bilt Blue
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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.
$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.
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.
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
4- 1x
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)
- 3xdining
3x Bilt Points on dining at restaurants worldwide, including takeout and eligible delivery
- 2xlodging
2x Bilt Points on travel purchases, including flights, hotels, car rentals, cruises, and rideshare
- 1xeverything else
1x Bilt Points on all other purchases
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 (1)ShowHide
- 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)
How we verified this card (1 source)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Bilt Rewards points transfer to these loyalty programs:
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.
