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Bilt 2.0 Calculator

Find the Bilt card and rewards setup that works best for you.

Enter your monthly spending

Estimate what you'll spend on your Bilt Card each month to see how earnings and value change.

Choose how you earn on housing

Choose how you earn on housing

What you'll earn

  • Annual points--
    Net value$100

  • Annual points--
    Net value$205

  • Annual points--
    Net value$1,505

More on your points strategy

  • Flexible Bilt Cash

    Best for people with high everyday spend who value a simple, consistent return

    Earn 4% in Bilt Cash on everyday spend. You can use this to unlock credits and rewards, dollar-for-dollar, across the Bilt ecosystem. And while your housing payment doesn't directly earn Bilt Cash, you may redeem Bilt Cash to unlock points on your housing payments. Every $30 of Bilt Cash redeemed earns 1,000 points, up to 1x of your housing payment.

    See Offer Terms

  • Housing-only Rewards

    Best for people with high housing costs who can consistently maximize tiered earnings

    Unlock points on your housing payment with everyday spending. The larger your everyday spend is compared to housing, the higher your earning multiplier is on that housing payment. So, when everyday reaches 25% of housing, you'll earn 0.5x points on housing. Reach 50% to earn 0.75x, 75% to earn 1.0x, and 100% or more to earn 1.25x. If you're under 25%, you still earn 250 points.

    See Offer Terms

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.