The Bilt Blue's main reason to exist is rent: you can pay rent or a mortgage on the card with no transaction fee and earn up to 1.25x points on it, all for no annual fee and no foreign transaction fees. That makes it a sensible starter card for renters who want their largest monthly bill to earn something. The catch is that the housing multiplier is not fixed: Bilt sets it each billing cycle based on how much everyday spending you put on the card relative to your rent, and choosing the 4% Bilt Cash track on everyday spend drops housing to up to 1x instead. Outside of rent, the earn is modest, with 3x on hotels and 2x on flights booked through Bilt Travel, 3x on Lyft rides once you link your account, and a 1x base rate on everything else. The $100 welcome bonus arrives as Bilt Cash for use inside the Bilt ecosystem rather than as cash back, and the 10% intro rate on purchases for 12 billing cycles is lower than the regular APR but is not a 0% offer.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels booked through Bilt Travel | 3x |
Transit On Lyft rides (after linking your Lyft account) | 3x |
Flights (via Portal) Flights booked through Bilt Travel | 2x |
Rent Up to 1.25x on rent and mortgage payments with no transaction fee, when the housing-only rewards track is selected. The exact multiplier is set each billing cycle from your everyday spend relative to the housing payment; on the Bilt Cash track housing earns up to 1x instead. | 1.25x |
Everything Else Everyday spend earns the base 1x in points. Bilt also offers a 4% Bilt Cash option on everyday spend as an alternative to the up to 1.25x rent points (you choose one track, not both); Bilt Cash is a separate currency used mainly for point accelerators, not cash back. | 1x |
Card details
Regular APR | 26.74%–34.74% variable |
Intro APR on purchases | 10% for 12 months |
Foreign transaction fee | None |