Bilt Blue Card
Bilt · Mastercard · 4.0 $100 in Bilt Cash on approval, no minimum spend required.
Offer last updated Oct 11, 2026 · Issuer’s rates & fees ↗
Apply now ›Rates & FeesRewards
up to 4x Bilt partner restaurants · 3x hotels via Bilt Travel · 3x Lyft (linked) · 2x flights via Bilt Travel · 1x everyday purchases & other travel · up to 1.25x rent & mortgage (scales with everyday spend)
Annual Fee
$0
Purchase Intro APR
10% intro APR on new eligible purchases for 12 billing cycles
Balance Transfer APR
—
Regular APR
26.74%–34.74% variable
Credit Needed
Good – Excellent
📖 Read the full guide: Bilt Rewards Guide: Earn Points on Rent With No Fee
See whether this is your next card in Points Path, or add it to your Rewards Wallet to track its perks.
Where these points can take you
- How to Fly to India With Points & Miles (Business & First Class)
- How to Fly to Europe With Points & Miles (Cheapest Business Class)
- How to Fly to the Middle East With Points & Miles
- How to Fly to Asia With Points & Miles (Japan, Hong Kong, Singapore & More)
- How to Fly to Australia & the South Pacific With Points & Miles
- How to Fly to Hawaii, Mexico & the Caribbean With Points
Similar cards
Compare and learn more
Perks
- No annual fee
- Points on rent & mortgage with no transaction fee
- Transfer points to airline & hotel partners
- Cell phone protection
- MasterRental car rental coverage
- Purchase assurance
- Mastercard ID Theft Protection
- No foreign transaction fees
Bilt Rewards partners
Move your points to these airline & hotel programs.
Aer Lingus AerClub1:1
Air Canada Aeroplan1:1
Air France-KLM Flying Blue1:1
Amtrak Guest Rewards2:1
Atmos Rewards (Alaska & Hawaiian)1:1
Avianca LifeMiles1:1
British Airways Club1:1
Cathay Pacific Asia Miles1:1
Emirates Skywards1:1
Etihad Guest1:1
Iberia Club1:1
Japan Airlines Mileage Bank1:1
Qatar Airways Privilege Club1:1
Southwest Rapid Rewards1:1
TAP Air Portugal Miles&Go1:1
Turkish Airlines Miles&Smiles1:1
United MileagePlus1:1
Virgin Atlantic Flying Club1:1
Virgin Red1:1
Accor Live Limitless3:2
Hilton Honors1:1
I Prefer Hotel Rewards1:2
IHG One Rewards1:1
Marriott Bonvoy1:1
World of Hyatt1:1
Wyndham Rewards1:1Full review
Bilt's no-annual-fee entry card for renters and homeowners who want transferable points on housing payments with no fee. Everyday earning is a flat 1x, so it works best as a rent card next to another card.
Advertiser disclosure: we may be compensated when you apply through links on this page. Terms apply — see the issuer’s Rates & Fees. Transfer ratios can change; verify with the issuer before transferring.