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Who is the Bilt Blue Card for?
The Bilt Blue Card is ideal for people who want to earn rewards, including on rent or mortgage payments, without paying an annual fee.
card_name
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
Earning rate:
- Earn up to 1X points on rent and mortgage payments
- 1X points + 4% back in Bilt Cash on everyday purchases
Welcome offer: bonus_miles_full
Pros and cons
Pros:
- No annual fee, making it an easy entry point to earn Bilt rewards.
- Very valuable rewards currency, with some of the most coveted transfer partners.
- You can earn more through the Bilt Neighborhood network of partners.
Cons:
- No bonus category multipliers, such as dining.
- No premium benefits like statement credits.
- The Bilt 2.0 rewards ecosystem is confusing, including a separate Bilt Cash system.
Our take
This card is a great option to earn Bilt points without an annual fee. Because it doesn't have any bonus categories, it's best for those who have other cards that earn elevated rates on categories like dining or travel.
Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
Last updated June 2, 2026
