Rewards Rates

1.25X

Earn up to 1.25X points on rent and mortgage payments with no transaction fee

1X

Earn 1X points on everyday purchases

2X

Earn 2X points on travel

3X

Earn 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.

Intro Offer

$200 of Bilt Cash

Welcome offer: $200 of Bilt Cash when you apply and get approved.

Introductory Purchases APR

10% Intro APR for the first 12 billing cycles after account opening

Ongoing Purchases APR

26.74 - 34.74% variable

Ongoing Balance Transfer APR

26.74 - 34.74% variable

Ongoing Cash Advance APR

31.74 - 34.74% variable

Annual Fee

$95

Recommended Credit

Good Credit, Excellent Credit

More Details

• Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
• 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
• 2X points on travel
• 1X points on everyday spend
• Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.