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Compare the Features and Benefits of Airline Credit Card Earning Valuable Miles for oneworld Flights and
Bilt Blue Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Earns Transferable Points
No Foreign Transaction Fees
Cell Phone Protection
Purchase Protection
Secondary Car Rental CDW Waiver
No Fees for Authorized Users
Annual Fee
$95
Avg. Min. Credit Score
670-850
Balance transfers fees
-
Best Multiplier
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
🎁 Bonus offer

Click Learn How to Apply to See Offer

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

.

Read more
Earns Transferable Points
no
No Foreign Transaction Fees
no
Cell Phone Protection
no
Purchase Protection
no
Secondary Car Rental CDW Waiver
no
No Fees for Authorized Users
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850
Balance transfers fees
Greater of 5% or $5
Best Multiplier
0x Rent / Mortgage

Earning points on rent and mortgage payments requires spending Bilt Cash.

1x Everyday Spend
Avg. Point Value
(Learn More)
$0.018
Bonus Offer
🎁 Bonus offer

Welcome bonus: $100 of Bilt Cash when you apply and are approved.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Bilt Blue Card is the “starter” Bilt card with no annual fee.

You’ll earn 1X on all Everyday Spend plus an additional 4% in the form of Bilt Cash. Unlike the annual fee versions, there are no statement credits available nor any bonus categories.

Your Best Credit Cards values Bilt Rewards points at 1.8 cents each, although the personal value you get from each point may be higher or lower. With 1X points earned on all everyday spend, you are earning an approximate value of 1.8% worth of Bilt Rewards plus another 4% in Bilt Cash on top.

Bilt Blue Card

Bilt Blue Card

Many know Bilt for the ability to pay your rent and mortgage with the card. You’ll be able to earn points for paying any personal rent or mortgage with this card. Simply redeem the Bilt Cash you earn from all of your non-rent spend to earn 1X points on your rent or mortgage payment, which has no transaction fees. Applying $30 worth of Bilt Cash for every $1,000 in rent or mortgage payments paid will earn you points on that portion of the rent or mortgage payment, up to the full amount. You can redeem Bilt Cash for all or part of your payment.

We love Bilt Rewards for their strong list of transfer partners which include World of Hyatt, United Airlines, Alaska Airlines, and JAL Mileage Bank, among many others as mentioned above. You can also get 1.25 cents per point in value simply by redeeming Bilt points in their travel portal and they even offer “direct bookings” that offer loyalty benefits despite being a third party booking. Just look for “Member Rate” or “Home Away From Home” labels when searching hotels or “Direct Book” when searching flights.

If you are looking for a Bilt card that offers a huge 2X (+ 4% Bilt Cash) on Everyday Spend with premium benefits, you might consider the Bilt Palladium Card. If you want to explore a Bilt card with additional bonus multipliers for groceries or dining and travel, that’s the Bilt Obsidian Card.

Read more
Earns Transferable Points
yes
No Foreign Transaction Fees
yes
Cell Phone Protection
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
No Fees for Authorized Users
yes

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