Credit Cards
3 Best Bilt Credit Cards of November 2026
By
•
Stephanie Stevens
Stephanie Stevens
Credit cards writer
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Edited by
•Gabrielle Bernardini
Gabrielle Bernardini
Senior editor
Gabrielle Bernardini is the senior points and miles editor at TPG. Joining the team in 2023, she focuses on helping people utilize their credit card rewards to travel for less.
Reviewed by
Paige Balcom
Paige Balcom
Compliance associate
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
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.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- 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.
Rewards rate
| 1.25X | Earn up to 1.25X points on rent and mortgage payments with no transaction fee |
| 2X | Earn 2X points on everyday purchases |
Intro offer
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.
50,000 Bilt Points + Gold Status + $300 of Bilt Cash
Annual fee
$495
Regular APR
26.74 - 34.74% variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good Credit, Excellent Credit
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 1.25 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 up to 1.25X points on rent and mortgage payments with no transaction fee.
- 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.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 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
Open Intro bonus
Welcome offer: $200 of Bilt Cash when you apply and get approved.
$200 of Bilt Cash
Annual fee
$95
Regular APR
26.74 - 34.74% variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good Credit, Excellent Credit
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 1.25 Bilt Point per dollar spent on rent and mortgage payments
- 3 points per dollar spent on grocery (up to $25,000 per year) or dining purchase
- $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
- 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.
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 1.25X | Earn up to 1.25X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points on everyday purchases |
Intro offer
Open Intro bonus
Welcome offer: $100 of Bilt Cash when you apply and get approved.
$100 of Bilt Cash
Annual fee
$0
Regular APR
26.74 - 34.74% variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good Credit, Excellent Credit
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 1.25 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 up to 1.25X points on rent and mortgage payments with no transaction fee.
- 1X points on everyday spend.
- Welcome offer: $100 of Bilt Cash when you apply and get approved. 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 card at Bilt's network of 50,000+ merchant partners.
- 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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. | 1.25 - 2X points Open Rewards rates
| $495 | ||||||||
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 | ||||||||
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. | 1 - 1.25X points Open Rewards rates
| $0 |
How to choose the best Bilt credit card
The best Bilt credit card for you depends on how you plan to use it. While all Bilt cards earn rewards, the right option comes down to your spending habits, financial goals and how much you value added perks.
Here are some of the main points to consider when choosing a 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, 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.