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.
Bilt points value
This affects estimated dollar values, not points earned.
Include in net value
Choose how you earn on housing
Learn moreWhat you'll earn
Bilt Blue Card
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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 TermsHousing-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 TermsCardless 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.