Rewards rates
Intro offer
$100 of Bilt Cash
Welcome offer: $100 of Bilt Cash when you apply and get approved.
Ongoing purchases APR
26.99% - 34.99% variable
Ongoing balance transfer APR
26.99 - 34.99% variable
Ongoing cash advance APR
31.99 - 34.99% variable
Annual fee
$0
Recommended credit
Good Credit, Excellent Credit
More details
The Bilt Blue Card is designed for people who want a simple way to earn rewards on rent or mortgage payments while also earning on everyday purchases. With a straightforward earning structure and access to Bilt Neighborhood Benefits, it’s a strong entry point for those starting their rewards journey. (Partner offer)
Read the full reviewThis card is ideal for renters or homeowners who want to earn rewards on housing payments and everyday purchases without needing to track specific categories or pay an annual fee.
Cardholders earn unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments and earn 4% back in Bilt Cash on everyday purchases, which stacks on top of Bilt Points (as long as that is the selected earning option; Each Bilt Cash award expires 12 months after you earn it, on the last day of that month). Bilt Points can be transferred 1:1 to over 20 airline and hotel partners, used toward rent or mortgage payments or redeemed across the Bilt ecosystem.
Beginning Jan. 1, 2027, new Bilt cardholders will only have access to the housing-only rewards option. Cardholders who open an account by Dec. 31, 2026, can retain the 4% Bilt Cash earning option by opting out of the new benefits before their first card anniversary.
$100 of Bilt Cash
Welcome offer: $100 of Bilt Cash when you apply and get approved.
1 - 1.25X points
$0
26.99% - 34.99% variable
Good Credit, Excellent Credit