Bilt Blue Card

Earn on rent and everyday spend — no annual fee

Apply for the Bilt Blue Card

I recommend this card if your credit score is over 650.

$0 annual fee — no cost to hold the card
$100 Bilt Cash welcome offer when you apply and get approved
1x Bilt Points per dollar on everyday spend
Up to 1.25x points on rent and mortgage — earn on your biggest monthly expense
No foreign transaction fees

Who the Bilt Blue is best for

The Blue is the entry point into Bilt 2.0. With no annual fee, there's no downside to holding it, which makes it the natural pick if you want to start earning points on rent or a mortgage without committing to a premium card.

The no-fee way to earn on housing

The headline feature is simple: you can earn up to 1.25x points on rent and mortgage payments — something no other no-annual-fee card offers. Your everyday spend earns 1x. The base earn rate is modest compared to a flat 2% cashback card, but for renters and homeowners, earning transferable points on your single largest monthly bill is the part that actually moves the needle.

How the housing rewards work

You earn on housing one of two ways: the Bilt Cash method (earn 4% Bilt Cash on everyday spend, then use it to unlock fee-free points on rent/mortgage) or a tiered method (the more everyday spending you put on the card relative to your housing payment, the higher your housing multiplier, up to 1.25x). You can switch between the two monthly.

Wrap-up

If your monthly spend is light, or you just want to dip a toe into the Bilt ecosystem and its transfer partners without paying a fee, the Blue is the no-risk way in. As your spending grows, the Obsidian or Palladium start to make more sense.

Legal & Disclosures

Advertiser Disclosure

MyWealthWallet is not a bank. We are a financial education and content platform. We may receive compensation when you click on links to products from our partners. This compensation may influence which products we write about and where and how they appear on the page. However, it does not influence our evaluations or recommendations. Our opinions are our own.

Rates & Fees

Bilt Mastercard credit cards are issued by Cardless, N.A. Card terms, rewards rates, annual fees, welcome offers, and benefits are set by Bilt Rewards and the issuer and are subject to change. Bilt Cash and points-earning on rent and mortgage payments are subject to program terms, including monthly transaction and earning requirements. Please review the full rates, fees, and rewards terms on the issuer's application page before applying.

General Disclaimer

The information provided on this page is for educational and informational purposes only. It should not be construed as financial, investment, or tax advice. Before opening any account, please carefully review all terms, conditions, fees, and disclosures provided by the partner. Your individual circumstances may vary, and we recommend consulting with a qualified financial advisor before making any financial decisions.