Bilt Blue Card
$100 Bilt Cash welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagebilt.com
“$100 of Bilt Cash”
- Annual fee
- Issuer's pagebilt.com
“$0 annual fee †”
- Purchase APR
- Issuer's pagebilt.com
“Intro APR: 10% on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†”
- Foreign transaction fee
- Issuer's pagebilt.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.25x Rent, mortgage, and HOA payments made through Bilt; up to 1.25X based on everyday spending during the billing cycle; points valued at an assumed 1¢; not counted: 2x Flights booked on the Bilt Travel Portal; not counted: 3x Hotels booked on the Bilt Travel Portal.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$100 cash
Spend across the Bilt ecosystem
Available when you apply and get approved.
How you earn · Bilt Rewards
- 4× pointsBilt partner restaurants; 20,000+ U.S. restaurants
- 3× pointsHotels booked on the Bilt Travel Portal
- 2× pointsFlights booked on the Bilt Travel Portal
- 3× pointsLyft rides after linking Bilt and Lyft accounts
- 1.25× pointsRent, mortgage, and HOA payments made through Bilt; up to 1.25X based on everyday spending during the billing cycle
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagebilt.com “$0 annual fee †” |
|---|---|
| Purchase APR | Issuer's pagebilt.com “Intro APR: 10% on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†” |
| Intro APR | Issuer's pagebilt.com “Intro APR: 10% on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†” |
| Foreign transactions | Issuer's pagebilt.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees
- No transaction fee on rent and mortgage payments made through Bilt
- No annual fee
- Rewards can be redeemed toward Lyft rides, rent credit, gift cards, and everyday purchases
- Rental car
- Trip cancellation
- Trip delay
- Purchase protection
- Cell phone
- Other
Questions
- What is the annual fee?
- $0 bilt.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. bilt.com, since Sep 29, 2026
- What is the purchase APR?
- 26.74–34.74% APR bilt.com, since Sep 29, 2026
- Is there an intro APR?
- 10% for 12 billing cycles after account opening. bilt.com, since Sep 29, 2026
- Is there a welcome bonus?
- $100 cash back. bilt.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$600 a year
- GM Rewards MastercardBarclays · No annual fee+$600 a year
- CareCredit MastercardSynchrony · No annual fee+$410 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).