The Bilt Blue Card (see rates and fees) is the entry-level, no-annual-fee card for Bilt Rewards members.
This card earns versatile Bilt Factors and Bilt Cash (in case you select) at a flat fee on all nonhousing purchases, plus limitless factors on hire and mortgage funds (as much as 1.25 factors per greenback spent). You will must often spend on the cardboard to unlock full rewards on housing funds.
Bilt factors are probably the most precious rewards forex out there, per TPG’s January 2026 valuations. These factors are valued at industry-leading 2.2 cents apiece and are transferable to a stellar listing of 23 switch companions, together with Alaska Airlines Atmos Rewards, United Airlines MileagePlus and World of Hyatt.
New cardholders obtain $100 in Bilt Cash after making use of and being accredited. Present cardholders of the Wells Fargo-backed Bilt Mastercard® are eligible for this supply.
The Bilt Blue Card is a strong entry level to understanding how Bilt Rewards works. Nevertheless, it would not present many further advantages, and a few cardholders might discover that limiting. Card score*: ⭐⭐⭐½
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The knowledge for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Bilt Blue: The fundamentals
The Bilt Blue Card is greatest for flat-rate rewards and people who do not need to pay an annual charge. This is what to know.
- Annual charge: $0.
- Bilt Money incomes construction: Earn 4% Bilt Money on all nonhousing purchases in case you elect this feature.
- Bilt factors incomes construction: Earn 1 level per greenback spent on on a regular basis purchases.
- Housing incomes construction: Earn as much as 1.25 factors per greenback spent by way of the tiered-rewards option, or as much as 1 level per greenback spent in case you decide to earn Bilt Money.
- Welcome bonus: Earn $100 in Bilt Money after you apply and are accredited. Present Bilt Mastercard cardholders are eligible for this supply.
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Associated: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered
Bilt Blue professionals and cons
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Bilt Blue key advantages
With no annual fee, the Bilt Blue Card is a stripped-down card with only a few advantages.
That is particularly evident when evaluating it to its two sister playing cards, the $95-annual-fee Bilt Obsidian Card (see rates and fees) and $495-annual-fee Bilt Palladium Card (see rates and fees).
The Bilt Blue Card’s two main perks are cellphone protection and no foreign transaction fees.
You will not obtain any assertion credit on the Bilt Blue Card.
Associated: Earn rewards on a budget with these no-annual-fee credit card strategies
How Bilt factors work
Tips on how to earn Bilt factors
The Bilt Blue Card earns:
- 4% Bilt Money on all nonhousing spending†
- 1 level per greenback spent on all nonhousing purchases‡
- As much as 1 level per greenback spent on mortgage and hire funds
†Needless to say in case you go for the tier-rewards possibility, you will not earn Bilt Money.
‡Tax funds and purchases with on-line resale marketplaces (similar to eBay or Fb Market) don’t earn factors.
Bilt Money defined
Bilt Money is redeemable for purchases made inside the Bilt Rewards platform. Listed here are some examples of how you need to use it:
- Health courses
- House supply orders
- Resort bookings
- Lyft rides
- Unlock factors on mortgage and hire funds; redeem $30 in Bilt Money to earn 1,000 Bilt factors on mortgage or hire funds, as much as the complete worth of your housing funds
It’s a must to redeem Bilt Money or hit a spending threshold to earn factors on housing funds. Due to this, it is essential to make sure you spend on the Bilt Blue Card typically sufficient to unlock full points-earning capabilities.
When you pay $2,000 in hire, you will must redeem $60 in Bilt Money to earn 2,000 factors on that fee. When you redeem simply $30 in Bilt Money, you will earn 1,000 Bilt factors as a substitute. You will not pay a transaction charge.
Most of your Bilt Money will expire on the finish of every calendar yr. Simply $100 in Bilt Money rolls over to the subsequent yr.
When you select to earn by way of the tiered-rewards possibility, you will must spend 75% of what your housing fee prices as a way to earn a full 1 level per greenback spent.
With the identical $2,000 hire value, you will must spend $1,500 on nonhousing purchases in your card in the identical month to earn 2,000 factors in your housing fee. When you spend $2,000 in the identical month, you will earn 2,500 factors (because of the 1.25-points-per-dollar multiplier). There isn’t any transaction charge with this feature.
Tips on how to redeem Bilt factors
You will get closest to TPG’s valuation of Bilt factors at 2.2 cents apiece by transferring them to considered one of Bilt’s 23 airline and lodge companions.
There are a number of companions that present excessive worth, however a few of our favorites are Air Canada Aeroplan, Air France-KLM Flying Blue and Southwest Airlines Rapid Rewards.
I regularly switch my Bilt factors to Atmos Rewards for short-haul home American Airways flights. I’ve beforehand used 4,500 factors to guide a one-way flight from Charlotte Douglas Worldwide Airport (CLT) to Louisville Muhammad Ali Worldwide Airport (SDF) to go to a good friend.
I additionally advocate Bilt loyalists check out World of Hyatt, which supplies improbable worth on lodge stays because of its profitable award chart.
You may additionally redeem factors towards:
- Amazon.com purchases straight
- Bilt Assortment purchases
- Bilt Journey portal bookings
- Health courses
- Subsequent month’s hire or mortgage
We do not advocate these redemptions, nevertheless, since they yield values decrease than our valuation of Bilt factors.
Drawbacks to think about
The Bilt Blue’s welcome bonus is probably the most underwhelming within the Bilt Card 2.0 suite, so if you need extra Bilt Money or factors up entrance, you could need to apply for the Bilt Obsidian Card or Bilt Palladium Card as a substitute.
Moreover, some cardholders may discover it overly sophisticated to calculate how a lot spending is required on the Bilt Blue Card to earn full factors on their housing fee. With the tiered-rewards possibility, it may very well be difficult for some cardholders to spend sufficient on the cardboard to unlock as much as 1.25 factors per greenback on housing bills.
This no-annual-fee card additionally lacks advantages and complete protections. You will additionally by no means earn greater than 1 level per greenback spent on nonhousing funds and 4% Bilt Money on any buy, which may very well be limiting to some cardholders.
Evaluating the Blue to different Bilt playing cards
You will discover extra advantages and elevated incomes charges on the opposite two Bilt playing cards. The Bilt Obsidian Card is superb for incomes bonus Bilt factors in two classes (eating or groceries as much as $25,000 a yr, and journey) whereas having fun with a modest listing of perks for $95 a yr.
The highest-tier Bilt Palladium Card expenses $495 and supplies the very best degree of further advantages and credit, together with 2 Bilt factors per greenback on all nonhousing purchases.
Needless to say the opposite Bilt playing cards cost annual charges, so the trade-off for fewer advantages is that you simply will not need to pay any annual charge on the Bilt Blue Card.
Associated: Current Bilt cardholders: Key dates and deadlines as Bilt transitions to new card options
Backside line
The Bilt Blue Card is your best option for Bilt Rewards followers who need to keep away from an annual charge in any respect prices. It is a good possibility in case you’ll spend regularly sufficient on it to earn full rewards in your hire or mortgage.
Nevertheless, in case you discover the Bilt Blue Card’s lack of bonus classes and advantages too limiting, you will be higher off with both the Bilt Obsidian Card or Bilt Palladium Card — simply remember you need to pay an annual charge with these playing cards.
And, if the construction of incomes hire and mortgage rewards is simply too sophisticated, you could need to try different travel cards or perhaps a cash-back option.
Apply right here: Bilt Blue Card
For charges and charges of the Bilt Blue Card, please click on here.
For charges and charges of the Bilt Obsidian Card, please click on here.
For charges and charges of the Bilt Palladium Card, please click on here.
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