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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Your Selected Features

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Bonus Category

  • Rent / Mortgage

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Bilt Palladium Card Bilt Palladium Card image

Bilt Palladium Card

Card Details
Apply Now
at Bilt's Secure Website
🔔 Notify me of bonus offer changes
Rates and Fees

Bilt Palladium Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$495 (Rates and fees)
⌛ Limited Time Offer

Earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash. Subject to approval.

✅ Matched Features:
Bonus category:
0x-1x Rent / Mortgage
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

Pros

  • 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 3 months + $300 of Bilt Cash.
  • Priority Pass ($469/year value)
  • 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.

Cons

  • Earning points on rent requires either spending Bilt Cash or paying a 3% transaction fee
  • No bonus categories higher than 2X, although 2X points plus 4% Bilt Cash on everything makes it an easy choice for everyday spend
  • Annual fee
  • Earn 2X points + 4% back in Bilt Cash on everyday purchases
  • $400 Bilt Travel Hotel credit and $200 Bilt Cash (awarded annually) offset the annual fee
  • Comes with Priority Pass airport lounge membership
Annual Fee: $495
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.018

The currency of the only credit card that earns points for paying your rent, it also has stellar transfer partners providing great value. Examples are World of Hyatt, Alaska Airlines, United Airlines, and Turkish Airlines. They also award double points on Rent Day (up to 10,000 per Rent Day) on the first of each month and have one special "deal" on that day as well, different each month. The high valuation compared to peers is owed to both the range of valuable partners and the tiered transfer bonuses of up to 100% based on Bilt status level and other factors.

Balance
transfer fees: Greater of 5% or $5

Bonus points for spend in the following categories:

  • 0x-1x

    Rent / Mortgage

    Rent / Mortgage
  • 2x

    Everyday Spend

Designed for people who want to be rewarded on everything they already do.
Bilt Blue Card Bilt Blue Card image

Bilt Blue Card

Card Details
Apply Now
at Bilt's Secure Website
🔔 Notify me of bonus offer changes
Rates and Fees

Bilt Blue Card

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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$0 (Rates and fees)
⌛ Limited Time Offer

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

✅ Matched Features:
Bonus category:
0x-1x Rent / Mortgage
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

Pros

  • 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)

Cons

  • No bonus categories
  • No way to earn more than 1X per dollar spent
  • Limited card benefits compared to the annual fee Bilt cards
  • Earns 1X points + 4% back in Bilt Cash on everyday purchases
  • No annual fee
  • No foreign transaction fees
Annual Fee: $0
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.018

The currency of the only credit card that earns points for paying your rent, it also has stellar transfer partners providing great value. Examples are World of Hyatt, Alaska Airlines, United Airlines, and Turkish Airlines. They also award double points on Rent Day (up to 10,000 per Rent Day) on the first of each month and have one special "deal" on that day as well, different each month. The high valuation compared to peers is owed to both the range of valuable partners and the tiered transfer bonuses of up to 100% based on Bilt status level and other factors.

Balance
transfer fees: Greater of 5% or $5

Bonus points for spend in the following categories:

  • 0x-1x

    Rent / Mortgage

    Rent / Mortgage
  • 1x

    Everyday Spend

The no-annual fee Bilt Rewards credit card. Simple and straightforward.
Bilt Obsidian Card Bilt Obsidian Card image

Bilt Obsidian Card

Card Details
Apply Now
at Bilt's Secure Website
🔔 Notify me of bonus offer changes
Rates and Fees

Bilt Obsidian Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$95 (Rates and fees)
⌛ Limited Time Offer

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

✅ Matched Features:
Bonus category:
0x-1x Rent / Mortgage
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

Pros

  • 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.

Cons

  • Everyday spend not in a bonus category earns just 1X plus 4% Bilt Cash
  • Earning points on rent requires either spending Bilt Cash or paying a 3% 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.
  • $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • Low annual fee
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.018

The currency of the only credit card that earns points for paying your rent, it also has stellar transfer partners providing great value. Examples are World of Hyatt, Alaska Airlines, United Airlines, and Turkish Airlines. They also award double points on Rent Day (up to 10,000 per Rent Day) on the first of each month and have one special "deal" on that day as well, different each month. The high valuation compared to peers is owed to both the range of valuable partners and the tiered transfer bonuses of up to 100% based on Bilt status level and other factors.

Balance
transfer fees: Greater of 5% or $5

Bonus points for spend in the following categories:

  • 1x-3x

    Supermarkets

    Supermarkets

    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.

  • 1x-3x

    Dining Out / Food Delivery

    Dining Out / Food Delivery

    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.

  • 0x-1x

    Rent / Mortgage

    Rent / Mortgage
  • 1x

    Everyday Spend

A great fit if food and everyday essentials make up a big part of your monthly spending.

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Bilt Obsidian Card

An explanation of your rewards

Your Best Credit Cards has defined the value of this currency as 1.8 cents each.

BONUS OFFER

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

Year 1 Rewards

0 points / miles worth $5 (includes bonus offer)

Year 2 Rewards

0 points / miles worth $5

* Values approximated based on your stated spend and are after subtracting any annual fees and adding in any cash equivalent credits offered, which we assume you will use. We also assume you will be able to meet all required spend for the full bonus offer on this card. If you did not earn the bonus, your value would be lower. Offers subject to change at any time. Confirm all terms on issuer’s website before applying.

Annual Fee

$95

Cash Equivalent Credits

$100

The $50 twice annual hotel credit can be used easily enough to count for our cash equivalent.

The currency of the only credit card that earns points for paying your rent, it also has stellar transfer partners providing great value. Examples are World of Hyatt, Alaska Airlines, United Airlines, and Turkish Airlines. They also award double points on Rent Day (up to 10,000 per Rent Day) on the first of each month and have one special "deal" on that day as well, different each month. The high valuation compared to peers is owed to both the range of valuable partners and the tiered transfer bonuses of up to 100% based on Bilt status level and other factors.

Rewards by Category

* If a category has a yearly limit on spending for a bonus category multiplier, that is factored in to your results above. If you see a category where the total is less than your spend multiplied by the bonus, that is likely due to an annual category bonus limit. Limits will not be displayed in this table.

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Most Popular Spend Categories

  • Dining Out / Food Delivery

    Dining Out / Food Delivery

  • Supermarkets

    Supermarkets

  • Gas Stations

    Gas Stations

  • Rent / Mortgage

    Rent / Mortgage

Most Popular Features

  • Highest Bonus Offers

  • Elevated Bonus Offer

  • 0% Intro APR on Purchases

  • 0% Intro APR on Balance Transfers

  • Extended Warranty

  • No Foreign Transaction Fees

Credit cards

Airlines and Hotels

  • Hilton Honors
  • Marriott Bonvoy
  • Delta Air Lines
  • United Airlines
  • Southwest Airlines
  • World of Hyatt

Most Popular Spend Categories

  • Dining Out / Food Delivery

    Dining Out / Food Delivery

  • Supermarkets

    Supermarkets

  • Drugstores

    Drugstores

  • Streaming Services

    Streaming Services

Most Popular Features

  • 0% Intro APR on Purchases

  • 0% Intro APR on Balance Transfers

  • Airport Lounge Access

  • Extended Warranty

  • Primary Car Rental CDW Waiver

  • No Foreign Transaction Fees

Credit cards

Airlines and Hotels

  • United Airlines
  • Delta Air Lines
  • Air Canada
  • Southwest Airlines
  • Hilton Honors
  • Marriott Bonvoy

Banks

Most Popular Spend Categories

  • Office Supplies

    Office Supplies

  • Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media

  • Single Charges over $5,000

    Single Charges over $5,000

  • Shipping

    Shipping

Most Popular Features

  • 0% Intro APR on Purchases

  • Airport Lounge Access

  • Has No Preset Spending Limit

  • Primary Car Rental CDW Waiver

  • Earns Transferable Points

  • Does Not Report Credit Line to Personal Credit Profile

Credit cards

Airlines and Hotels

  • American Airlines
  • Hilton Honors
  • Avios
  • Air Canada
  • Marriott Bonvoy
  • World of Hyatt

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