Best Bilt credit cards of May 2026
Bilt stands out in the credit card space for one key reason: it lets members earn rewards on housing payments — something most cards don’t offer.
But its appeal goes beyond rent and mortgage. Bilt also offers strong rewards on everyday spending and access to a flexible points program with valuable transfer partners.
Whether your goal is to earn transferable points, maximize everyday spending or unlock elevated benefits, Bilt’s ecosystem is a compelling option to consider.
- Bilt Palladium Card: Best for a premium, all-in-one rewards experience
- Bilt Obsidian Card: Best for earning rewards on dining, groceries and everyday essentials
- Bilt Blue Card: Best for earning rewards on rent and mortgage payments with no annual fee
Comparing the best Bilt credit cards
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
| 1X | Choose to earn up to 1X points on rent and mortgage payments with no transaction fee |
| 2X | Earn 2X points + the option to earn 4% back in Bilt Cash on everyday purchases |
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.
Pros
- Unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments
- Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
- $400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
- $200 Bilt Cash annually
- Priority Pass membership
- No foreign transaction fees
- Generous welcome offer
Cons
- Moderate annual fee
- Designed primarily for members seeking a premium, all-in-one card
- Earn points on housing with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- 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.
Best for earning rewards on dining, groceries and everyday essentials
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
| 1X | Choose to earn up to 1X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points + and the option to earn 4% back in Bilt Cash 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. |
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
Pros
- Unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments
- 3 points per dollar spent on dining or grocery purchases (up to $25,000 per year)
- $100 Bilt Travel Portal hotel credit ($50 biannually per calendar year)
- Welcome offer upon application approval
- No foreign transaction fees
Cons
- $95 annual fee
- Category caps apply to bonus earnings
- Fewer premium benefits than the Palladium Card
- Earn points on housing with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 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.
- $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.
Best for earning rewards on rent and mortgage payments with no annual fee
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
| 1X | Choose to earn up to 1X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points + the option to earn 4% back in Bilt Cash on everyday purchases |
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.
Pros
- Unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments
- Bilt Cash earned on everyday purchases stacks with points (if you choose to earn Bilt Cash)
- No annual fee
- No foreign transaction fees
- Solid welcome offer
Cons
- No bonus category multipliers beyond base earnings
- Fewer premium benefits than higher-tier Bilt Cards
- Earn points on housing with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 1X points on everyday spend
- Welcome offer: $100 of Bilt Cash when you apply and get approved.
- Redeem Bilt Cash for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- 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 Blue Card at Bilt's network of 50,000+ merchants
- Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits)
Comparing the best Bilt credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
New Card at Bilt's secure site | a premium, all-in-one rewards experience | 50,000 Bilt Points + Gold Status + $300 of Bilt Cash Open Intro bonus Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash. | 1 - 2X points Open Rewards rates
| $495 | ||||||||
New Card at Bilt's secure site | earning rewards on dining, groceries and everyday essentials | $200 of Bilt Cash Open Intro bonus Welcome offer: $200 of Bilt Cash when you apply and get approved. | 1 - 3X points Open Rewards rates
| $95 | ||||||||
New Card | earning rewards on rent and mortgage payments with no annual fee | $100 of Bilt Cash Open Intro bonus Welcome offer: $100 of Bilt Cash when you apply and get approved. | 1X points Open Rewards rates
| $0 |
More details on the best Bilt credit cards
The dual-earning structure rewards nearly every purchase with both Bilt Points and Bilt Cash (should you choose to earn this way), making it especially compelling for everyday spend categories such as utilities, groceries, insurance and online shopping. Members can also enjoy premium perks like lounge access and an annual hotel credit.
This card is a strong fit for members who want a premium card they can use broadly across daily life, housing and travel — all in one rewards ecosystem.
Between elevated everyday earnings, generous hotel credits, annual Bilt Cash and airport lounge access, the Palladium Card delivers a streamlined premium experience without requiring consistent optimization.
Members who prefer category-based earnings may prefer the Bilt Obsidian Card, while those seeking a no-annual-fee option may opt for the Bilt Blue Card (see rates and fees).
The ability to earn bonus rewards in everyday categories while still earning an unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments, plus the option to earn 4% back in Bilt Cash on everyday purchases.
This card is a good option for members whose monthly spending is concentrated on food, travel and daily essentials.
The Obsidian Card can help turn routine purchases into meaningful rewards faster, with added value through the flexibility of Bilt Cash (that you can choose to earn).
Members seeking a simpler earning structure may prefer the Bilt Blue Card, while those wanting premium benefits may consider the Bilt Palladium Card.
Cardholders earn unlimited up to 1 Bilt Point per dollar spent on rent and mortgage payments, plus additional rewards on everyday purchases that stack with Bilt Cash (if you choose to earn this way).
This card is a good fit for renters or homeowners who want to earn rewards on their existing spending without needing to manage categories or pay annual fees.
The Bilt Blue Card turns housing payments into a rewards opportunity while offering flexibility through Bilt Points and the option to earn Bilt Cash across travel, fitness, dining and more.
Those looking for category-based earnings or premium benefits may want to consider the Bilt Obsidian Card or Bilt Palladium Card.
How to choose the best Bilt credit card
- If available, a sign-up bonus can help you quickly boost your points balance. Consider whether the bonus is achievable based on your typical spending and whether you’ll get good value from redeeming those points for travel, rent or other rewards.1Sign-up bonus
- Annual fees start at $0 for Bilt’s no-annual-fee card, with higher-fee options offering additional rewards and premium perks. Consider whether the added value justifies the cost, given how you plan to use the card.2Annual fee
- Bilt cards are known for rewarding housing payments, but they may also offer elevated earnings on dining, travel or other everyday purchases. Choose the card that aligns best with where you spend the most to maximize your rewards.3Bonus categories
Pros + cons of Bilt credit cards
Pros
- Ability to earn rewards on housing payments without transaction fees (when meeting program requirements)
- Points can be transferred to a variety of travel partners, increasing their potential value
- Options for both no-annual-fee and premium cardholders
- Strong earning potential on dining and everyday purchases
Cons
- Must meet certain requirements to unlock the maximum number of points on housing payments
- Premium cards may come with high annual fees
- The rewards structure may be less straightforward than simple cash-back cards
- Limited card lineup compared to larger issuers
Frequently asked questions
Most Bilt cards are geared toward applicants with good to excellent credit, though approval depends on a variety of factors beyond your score.
Yes, Bilt points can be transferred to a range of airline and hotel partners, which can significantly increase their value when redeemed strategically.
Yes, the Bilt Blue Card is a no-annual-fee option (see rates and fees), making it a great entry point for those who want to earn rewards without an upfront cost.
There’s no single “best” option for everyone. The Bilt Blue Card is ideal for simplicity and has no annual fee (see rates and fees), while the Bilt Palladium Card (see rates and fees) and Bilt Obsidian Card (see rates and fees) offer more robust rewards and perks for those willing to pay for additional value.