{"id":245991,"date":"2026-03-04T18:00:59","date_gmt":"2026-03-04T18:00:59","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=245991\/"},"modified":"2026-04-08T14:35:39","modified_gmt":"2026-04-08T14:35:39","slug":"bilt-blue-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/","title":{"rendered":"Bilt Blue Card Review: The New No-Annual-Fee Credit Card Option From Bilt Rewards"},"content":{"rendered":"<p>There was once just one Bilt credit card. Now, the company has expanded its lineup to three \u2014 and the <a data-ccid=\"260\" href=\"\/blog\/link\/BiltBlueCard\" rel=\"noopener nofollow sponsored\">Bilt Blue Card<\/a> is the only $0-annual-fee option.<\/p>\n<p>But the changes go beyond the number of cards. Bilt Rewards has also introduced <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/bilt-rewards\/bilt-cash\/\" rel=\"noopener\">Bilt Cash<\/a>, adding a new \u2014 and somewhat complex \u2014 layer to how members earn and redeem rewards.<\/p>\n<p>How does this version compare to the previous offering, and is it worth getting? Let's dig into the details of this new no-annual-fee Bilt card.<\/p>\n<h2><span id=\"Bilt_Blue_Card_Pros\">Bilt Blue Card Pros<\/span><\/h2>\n<ul>\n<li>$0\u00a0annual fee<\/li>\n<li>Ability to earn Bilt Cash, enabling points earning on housing payments<\/li>\n<li>Access to the Bilt Rewards transfer network<\/li>\n<\/ul>\n<h2><span id=\"Bilt_Blue_CardCons\">Bilt Blue Card\u00a0Cons<\/span><\/h2>\n<ul>\n<li>Low earning rates<\/li>\n<li>Complicated path to earning points on housing payments<\/li>\n<li>Limited benefits<\/li>\n<\/ul>\n<figure id=\"attachment_151210\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-151210 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured.png\" alt=\"a girl points at a credit card in her other hand\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Pavel-Danilyuk-Pexels-girl-with-credit-card-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Pavel Danilyuk\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Bilt_Blue_Card_Welcome_Offer\">Bilt Blue Card Welcome Offer<\/span><\/h2>\n<p>The <a data-ccid=\"260\" href=\"\/blog\/link\/BiltBlueCard\" rel=\"noopener nofollow sponsored\">Bilt Blue Card<\/a> offers a modest welcome bonus. New cardholders will receive $100 in <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/bilt-rewards\/bilt-cash\/\" rel=\"noopener\">Bilt Cash<\/a> upon application and approval \u2014 no minimum spending requirement needed.<\/p>\n<p>Bilt Cash can be <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/bilt-rewards\/bilt-cash\/\" rel=\"noopener\">redeemed with partners<\/a> in the &#8220;Bilt Neighborhood.&#8221; It can also be used to cover transaction fees when you choose to earn points on housing payments. Members may roll over up to $100 in Bilt Cash each year; any remaining balance expires at the end of the calendar year.<\/p>\n<h2><span id=\"Bilt_Blue_Card_Earning_Rates\">Bilt Blue Card Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a> offers a simple earning structure for cardholders. Cardholders earn 1X Bilt Points on eligible purchases. However, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/rewards-earning-restrictions\/\" rel=\"noopener\">some transactions are ineligible for rewards<\/a>, like tax payments.<\/p>\n<p>In addition, cardholders choose how they earn points on their housing payment. If you opt to use Bilt Cash to cover the transaction fees required to earn points on rent or mortgage payments, you\u2019ll earn an additional 4% back in Bilt Cash on eligible purchases. This is on top of your standard Bilt Points earning.<\/p>\n<p>Alternatively, you can elect to earn housing rewards based on your monthly card spending. In that case, you won\u2019t earn Bilt Cash. You can update your selection each month, with changes taking effect the following calendar month.<\/p>\n<h2><span id=\"Bilt_Blue_Card_Benefits\">Bilt Blue Card Benefits<\/span><\/h2>\n<p>The Bilt Blue Card comes with benefits from Bilt Rewards and its World Elite Mastercard designation. Here are the highlights.<\/p>\n<h3><span id=\"No_transaction_fees_on_housing_payments\">No transaction fees on housing payments<\/span><\/h3>\n<p>As a Bilt cardholder, you can make rent or mortgage payments through the platform without paying a processing fee. However, to earn rewards on those payments requires an additional step. You must either redeem Bilt Cash to cover the transaction fee or elect to earn rewards based on your monthly card spending.<\/p>\n<h3><span id=\"No_foreign_transaction_fees\">No foreign transaction fees<\/span><\/h3>\n<p>The card has no foreign transaction fees, which makes it a practical choice for international purchases \u2014 especially if you\u2019re already thinking about <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/travel\/tips-to-save-on-international-travel\/\" rel=\"noopener\">ways to reduce travel costs abroad<\/a>.<\/p>\n<h3><span id=\"Cellular_telephone_protection\">Cellular telephone protection<\/span><\/h3>\n<p>Cellphone protection is another potentially valuable benefit. To qualify, you must pay your monthly cellular bill with the card. Coverage begins the calendar month after your first eligible payment.<\/p>\n<p>Claims are limited to $800 per claim, up to $1,000 per covered card, with a maximum of two claims per 12-month period. A $50 deductible applies to each claim.<\/p>\n<h3><span id=\"Identity_protection\">Identity protection<\/span><\/h3>\n<p>World Elite Mastercards include Mastercard ID Theft Protection, which monitors the web and dark web for suspicious activity. You\u2019ll need to <a target=\"_blank\" href=\"https:\/\/mastercardus.idprotectiononline.com\/\" rel=\"noopener\">enroll in the program<\/a> to activate coverage.<\/p>\n<h3><span id=\"Travel_concierge\">Travel concierge<\/span><\/h3>\n<p>Through Mastercard\u2019s concierge service, cardmembers can arrange travel, secure hard-to-get restaurant reservations, and handle special requests at home or on the road.<\/p>\n<p>If your card is lost or stolen while traveling, emergency replacement services are available.<\/p>\n<h3><span id=\"Purchase_assurance\">Purchase assurance<\/span><\/h3>\n<p>If you make a purchase with the <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a> that's damaged or stolen within 90 days of purchase, you're covered. Cardholders are limited to $1,000 per loss and up to $50,000 per cardholder per 12-month period.<\/p>\n<p>There are coverage limits, such as for the item purchased, so it's important to read the <a target=\"_blank\" href=\"https:\/\/www.biltrewards.com\/terms\/blue-card-guide-to-benefits\" rel=\"noopener\">terms and conditions<\/a> carefully before relying on the guarantee.<\/p>\n<h3><span id=\"Secondary_rental_car_coverage\">Secondary rental car coverage<\/span><\/h3>\n<p>The <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a> also includes secondary rental car coverage. When you pay for your rental in full with the card, coverage applies after any primary insurance you carry.<\/p>\n<p>Some <span style=\"margin: 0px; padding: 0px;\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">credit cards<\/a><\/span> offer primary rental coverage, which can provide broader protection. As with most policies, exclusions apply based on vehicle type and rental location, and coverage is limited to rentals of 31 consecutive days or fewer.<\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Bilt_Blue_Card\">Redeeming Rewards With the Bilt Blue Card<\/span><\/h2>\n<p>Rewards earned with the Bilt Blue Card fall into two categories: Bilt Points and Bilt Cash. Understanding how each can be redeemed is key to maximizing the card\u2019s value.<\/p>\n<h3><span id=\"Redeeming_Bilt_Points\">Redeeming Bilt Points<\/span><\/h3>\n<p><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/\" rel=\"noopener\">Bilt Rewards<\/a> has a robust network of <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-transfer-partners\/\" rel=\"noopener\">transfer partners<\/a>, which typically offer the best value for your rewards earned with the <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a>. There are currently over a dozen partners available to all Bilt members.<\/p>\n<p>Points can also be redeemed with Bilt Neighborhood merchants or for purchases at the following rates:<\/p>\n<ul>\n<li><strong>Statement credits:<\/strong>\u00a00.55 cents per point<\/li>\n<li><strong>Amazon purchases (limited to Bilt\u00a0Mastercard\u00a0holders):<\/strong>\u00a00.7 cents per point<\/li>\n<li><strong>Fitness classes (SoulCycle, Solidcore, Y7 Studio, etc):<\/strong>\u00a0Roughly 1 cent per point<\/li>\n<li><strong>Bilt Collection (art, home decor, etc):<\/strong>\u00a0Roughly 1 cent per point<\/li>\n<li><strong>Bilt Travel Portal:<\/strong>\u00a01.25 cents per point<\/li>\n<\/ul>\n<p>Points may also be applied toward rent at 0.55 cents per point or toward a home down payment at 1.5 cents per point after <a target=\"_blank\" href=\"https:\/\/www.tfaforms.com\/5029242\" rel=\"noopener\">completing the required form<\/a>.<\/p>\n<h3><span id=\"Redeeming_Bilt_Cash\">Redeeming Bilt Cash<\/span><\/h3>\n<p>If you elect to earn rewards on housing payments, you may also earn Bilt Cash. Bilt Cash can be used to offset transaction fees at a rate of $1 in Bilt Cash per $33.33 in housing payment fees.<\/p>\n<p>Bilt Cash can also be redeemed for a range of monthly credits and partner perks. While availability and values may change, current options include:<\/p>\n<ul>\n<li>$10 credit each month for restaurant and grocery delivery fulfilled by GrubHub<\/li>\n<li>$25 credit each month toward meals at select Bilt partner restaurants via Mobile Dining Checkout<\/li>\n<li>$50 per month on exclusive Bilt dining experiences<\/li>\n<li>$10 monthly Lyft ride credit<\/li>\n<li>$40 monthly credit for one group fitness class<\/li>\n<li>$10 monthly Walgreens credit<\/li>\n<\/ul>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>There are a few application restrictions to be aware of with the <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a>. Bilt limits members to one card within the Bilt Rewards family. However, you may still be added as an authorized user on another Bilt card.<\/p>\n<p>You can apply for the Bilt Blue Card if you previously held the original Bilt Rewards Mastercard and did not transfer your credit line to a new product. Cardholders are also limited to one welcome bonus per lifetime. With more generous offers occasionally available on other Bilt cards, this is an important detail to keep in mind.<\/p>\n<p>In addition, Cardless \u2014 the issuer of the <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a> \u2014 generally limits approvals to one card every 60 days across its portfolio. If you were previously denied a Cardless card, you must wait 45 days before applying again.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Bilt_Blue_Card\">Cards That Compete With the Bilt Blue Card<\/span><\/h2>\n<p>Many credit cards compete with the <a data-ccid=\"260\" href=\"\/blog\/link\/BiltBlueCard\" rel=\"noopener nofollow sponsored\">Bilt Blue Card<\/a>. Here are a few to consider:<\/p>\n<ul>\n<li>If you're looking to earn more rewards for your spending, consider the <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">card offers 2% cash back<\/a> on all purchases: 1% back at the time of sale and a further 1% back when you pay your statement. Plus, you'll earn 5% cash back on hotel, car rental, and other attractions paid for through the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-travel-portal\/\" rel=\"noopener\">Citi Travel Portal<\/a>.<\/li>\n<li>If you're looking for a no-annual-fee card with an introductory APR period, consider the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0037520b3da8a433f9a331fbf5f313555&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">This card offers<\/a> a low introductory APR on purchases and cash-back rewards in several categories, including everyday purchases at a flat 1.5% cash back. When paired with an Ultimate Rewards-earning credit card, your rewards can increase in value as well.<\/li>\n<li>To <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-obsidian-card\/\" rel=\"noopener\">earn more Bilt Rewards<\/a>, consider the <a data-ccid=\"259\" href=\"\/blog\/link\/BiltObsidianCard\" rel=\"noopener nofollow sponsored\">Bilt Obsidian Card<\/a>. It offers bonus categories, including 3X Bilt Points on dining or groceries and 2X on travel. You'll also continue to enjoy 1X Bilt Points on everyday purchases.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-cardless\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0037520b3da8a433f9a331fbf5f313555&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/CardArt-BiltObsidianCard.png\" width=\"150\" alt=\"Bilt Obsidian Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Obsidian Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $200 of Bilt Cash when you apply and get approved<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Bilt Obsidian Card' data-ccid=\"259\" href=\"\/blog\/link\/BiltObsidianCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 1X points on rent and mortgage payments<\/li>\r\n<li>1X points + 4% back in Bilt Cash on everyday purchases<\/li>\r\n<li>3X points on your choice of grocery (up to $25K\/year) or dining. Your 3X category choice remains in effect for the entire calendar year.<\/li>\r\n<li>2X points on travel<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"260\" href=\"\/blog\/link\/BiltBlueCard\" rel=\"noopener nofollow sponsored\">Bilt Blue Card<\/a> provides a way to access Bilt Rewards without paying an annual fee. While the structure is more complex than the original Bilt card, it can still make sense if your spending aligns with how the program works.<\/p>\n<p>If you\u2019re looking for higher earning rates or a stronger lineup of benefits, one of the other Bilt cards may be a better fit.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-cardless\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/CardArt-BiltBlueCard.png\" width=\"150\" alt=\"Bilt Blue Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Blue Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $100 of Bilt Cash when you apply and get approved.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Bilt Blue Card' data-ccid=\"260\" href=\"\/blog\/link\/BiltBlueCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 1X points on rent and mortgage payments<\/li>\r\n<li>1X points + 4% back in Bilt Cash on everyday purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/CardArt-BiltObsidianCard.png\" width=\"150\" alt=\"Bilt Obsidian Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Obsidian Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $200 of Bilt Cash when you apply and get approved<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Bilt Obsidian Card' data-ccid=\"259\" href=\"\/blog\/link\/BiltObsidianCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 1X points on rent and mortgage payments<\/li>\r\n<li>1X points + 4% back in Bilt Cash on everyday purchases<\/li>\r\n<li>3X points on your choice of grocery (up to $25K\/year) or dining. Your 3X category choice remains in effect for the entire calendar year.<\/li>\r\n<li>2X points on travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/CardArt-BiltPalladiumCard.png\" width=\"150\" alt=\"Bilt Palladium Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Palladium Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Bilt Palladium Card' data-ccid=\"212\" href=\"\/blog\/link\/BiltPalladiumCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$495 <\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 1X points on rent and mortgage payments<\/li>\r\n<li>2X points + 4% back in Bilt Cash on everyday purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Bilt_Blue_Card_Pros\">Bilt Blue Card Pros<\/a><\/li><li><a href=\"#Bilt_Blue_CardCons\">Bilt Blue Card\u00a0Cons<\/a><\/li><li><a href=\"#Bilt_Blue_Card_Welcome_Offer\">Bilt Blue Card Welcome Offer<\/a><\/li><li><a href=\"#Bilt_Blue_Card_Earning_Rates\">Bilt Blue Card Earning Rates<\/a><\/li><li><a href=\"#Bilt_Blue_Card_Benefits\">Bilt Blue Card Benefits<\/a><ul><li><a href=\"#No_transaction_fees_on_housing_payments\">No transaction fees on housing payments<\/a><\/li><li><a href=\"#No_foreign_transaction_fees\">No foreign transaction fees<\/a><\/li><li><a href=\"#Cellular_telephone_protection\">Cellular telephone protection<\/a><\/li><li><a href=\"#Identity_protection\">Identity protection<\/a><\/li><li><a href=\"#Travel_concierge\">Travel concierge<\/a><\/li><li><a href=\"#Purchase_assurance\">Purchase assurance<\/a><\/li><li><a href=\"#Secondary_rental_car_coverage\">Secondary rental car coverage<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Rewards_With_the_Bilt_Blue_Card\">Redeeming Rewards With the Bilt Blue Card<\/a><ul><li><a href=\"#Redeeming_Bilt_Points\">Redeeming Bilt Points<\/a><\/li><li><a href=\"#Redeeming_Bilt_Cash\">Redeeming Bilt Cash<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Bilt_Blue_Card\">Cards That Compete With the Bilt Blue Card<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Bilt Blue Card remains the only no annual fee credit card in the Bilt Rewards card portfolio. The card offers access to earning points on housing payments, with more hoops to jump through than the old program. Still, for a no-annual fee credit card, it offers value for those willing to engage.<\/p>\n","protected":false},"author":97,"featured_media":246411,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[36370,12620],"coauthors":[36469],"class_list":["post-245991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bilt-rewards","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/245991","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=245991"}],"version-history":[{"count":13,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/245991\/revisions"}],"predecessor-version":[{"id":251670,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/245991\/revisions\/251670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/246411"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=245991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=245991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=245991"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=245991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}