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

Personal Credit Card Earning Valuable TY Points

Annual Fee

$95

Avg. Min. Credit Score

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

🎁 Bonus offer

Click "Learn How to Apply" to see Current Offer

Rating

(0) Our Review

Review

Earn 60,000 bonus points after spending $4,000 in the first 3 months

Earns Transferable Points

No Foreign Transaction Fees

Cell Phone Protection

Purchase Protection

Secondary Car Rental CDW Waiver

No Fees for Authorized Users

Bilt Blue Card

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

1x Everyday Spend

Avg. Point Value
(Learn More)

$0.018

Bonus Offer

⌛ Limited Time Offer

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

Rating

(3.5) Our Review

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

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.

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

Personal Credit Card Earning Valuable TY Points

Bilt Blue Card

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Compare the Features and Benefits of Personal Credit Card Earning Valuable TY Points and
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