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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Bilt Blue Card card art
Bilt Blue 1 of 1
Comparing 1 card
Bilt Blue Card card art
BILT
Bilt Blue
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
None
Fee after credits
$0
Point value per point or mile
2.20¢ Estimate
Rewards currency
Bilt Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $100 Bilt Cash, about $100
Bonus
$100 Bilt Cash
Estimated value
$100
Spend to earn it less a month is easier
Not listed
Earning rates Top rate 3x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Flights
1x about 2.2% back, the everything-else rate
  • 2x via the issuer portal, about 4.4%
Hotels
1x about 2.2% back, the everything-else rate
  • 3x via the issuer portal, about 6.6%
Everything else
1x about 2.2% back
Only on this card
  • 1.25x Rent and mortgage payments
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners 27 partners
Partners
27
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Accor Live Limitless
3:2
Aer Lingus AerClub
1:1
Air Canada Aeroplan
1:1
Air France-KLM Flying Blue
1:1
Amtrak Guest Rewards
2:1
Atmos Rewards (Alaska Airlines + Hawaiian Airlines)
1:1
Avianca LifeMiles
1:1
British Airways Club
1:1
Cathay Pacific Asia Miles
1:1
Emirates Skywards
1:1
Etihad Guest
1:1
Hilton Honors
1:1
I Prefer Hotel Rewards
1:2
IHG One Rewards
1:1
Iberia Club
1:1
Japan Airlines Mileage Bank
1:1
JetBlue TrueBlue
1:1
Marriott Bonvoy
1:1
Qatar Airways Privilege Club
1:1
Southwest Rapid Rewards
1:1
TAP Air Portugal Miles&Go
1:1
Turkish Airlines Miles&Smiles
1:1
United MileagePlus
1:1
Virgin Atlantic Flying Club
1:1
Virgin Red
1:1
World of Hyatt
1:1
Wyndham Rewards
1:1
Status, lounges and travel No status or lounges
Travel benefits
  • Stack rewards with Neighborhood Benefits™ across Bilt partner restaurants, Lyft, and Bilt Travel Portal bookings.
Protection and insurance 2 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • MasterRental collision damage waiver: reimbursement for covered damage or theft to a rental car.
Other coverage
  • Purchase Assurance benefit listed among premium lifestyle benefits for the Bilt Blue Card.
  • Cellular Wireless Telephone Protection benefit included with the Bilt Blue Card
Lifestyle and other perks 1 perk
Other perks
  • Cardholder exclusive: no transaction fees on rent, mortgage, and HOA payments made through Bilt
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Cellular wireless telephone protection
  • Masterrental collision damage waiver
Application rules No known rules
Issuer approval rules
Not listed
Bonus eligibility
Not listed
Card type
Personal