Bilt Blue Card
This card is for renters and homeowners who want their biggest monthly bill to earn rewards. Housing payments earn up to 1.25 points per $1 with no transaction fee, and on-time rent payments are reported to credit bureaus free. Dining at Bilt partner restaurants earns up to 4x, and Bilt Travel Portal hotels and flights up to 3x. The caveat: outside partners and housing, everyday spend earns 1 point per $1.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 1.25 points per $1 on rent and mortgage with no transaction fee
- $100 in Bilt Cash at account opening
- $100 Bilt Travel hotel credit per year as two $50 statement credits
- Up to 4 points per $1 at Bilt partner restaurants and up to 3 points per $1 in the travel portal
- Free credit reporting of on-time rent payments
- 10% intro APR on new eligible purchases for 12 billing cycles
- No annual fee and no foreign transaction fees
- Annual fee: $0
- Regular purchase APR: 26.74% - 34.74% Variable
- Intro purchase APR: 10% on new eligible purchases for the first 12 billing cycles
- Intro balance transfer APR: N/A
- Balance transfer fee: See issuer's pricing and terms
- Cash advance fee: See issuer's pricing and terms
- Late payment fee: See issuer's pricing and terms
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You pay rent or a mortgage and currently earn nothing on it; this card converts that payment into points at no extra cost.
- You are building credit history: on-time rent payments are reported to the bureaus free.
- Your dining happens at Bilt partner restaurants, where earning reaches 4 points per $1.
- You want a $0-fee card whose welcome value ($100 Bilt Cash plus a $100 yearly hotel credit) shows up without a spend hurdle.
- You should skip it if you do not pay rent or a mortgage; a 2% flat-rate card returns more on general spending.
Bilt Blue Card Review
Bilt replaced its original Wells Fargo Mastercard with the Bilt Card 2.0 lineup in 2026, issued by Column N.A. The Blue is the no-fee entry point. Rent and mortgage still earn points with no transaction fee, and the new structure adds Bilt Cash and a hotel credit. This review explains what changed and who the Blue serves best.
How You Earn
Housing is the headline: rent and mortgage earn points with no transaction fee, paid from a linked bank account. Partner merchants carry the highest multipliers.
- Up to 1.25 points per $1 on rent and mortgage payments
- Up to 4 points per $1 at Bilt partner restaurants
- Up to 3 points per $1 on Bilt Travel Portal hotels and flights
- 3 points per $1 on Lyft with a linked account, 1 point per $1 elsewhere
| Category | Earn rate |
|---|---|
| Rent and mortgage payments | Up to 1.25 points per $1 |
| Bilt partner restaurants | Up to 4 points per $1 |
| Bilt Travel Portal hotels and flights | Up to 3 points per $1 |
| Lyft rides with linked account | 3 points per $1 |
| All other purchases | 1 point per $1 |
How You Redeem
Bilt points move to travel partners or spend as Bilt Cash. The hotel credit applies automatically to eligible portal bookings.
- Transfer to Bilt's airline and hotel partners
- Book through the Bilt Travel Portal
- Bilt Cash toward purchases, including the $100 welcome amount
Benefits and Protections
The Blue keeps the program's structural benefits and adds an unusual intro rate.
- Free credit bureau reporting of on-time rent payments
- 10% intro APR on new eligible purchases for the first 12 billing cycles
- No foreign transaction fees
- Mastercard network protections
Who This Card Is For
The Blue is for anyone whose largest monthly payment is housing. It asks no fee and returns points on money already being spent. Heavy diners and travelers can step up to Obsidian or Palladium later.
- Renters who want rewards and credit history from rent
- Homeowners routing mortgage payments through Bilt
- First-time Bilt users testing the ecosystem at $0
Comparison
| Feature | Bilt Blue Card | U.S. Bank Altitude® Go | Citi Double Cash® |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $100 Bilt Cash at opening | 20,000 points ($1,000 in 90 days) | $200 ($1,500 in 6 months) |
| Rewards Rate | Up to 1.25x housing, up to 4x partner dining | 4x dining (capped), 2x grocery and gas | 2% on purchases |
| Intro APR | 10% for 12 billing cycles | 0% for 15 billing cycles | 0% for 18 months, transfers only |
| Foreign Transaction Fee | None | See issuer page | 3% |
| Best For | Renters | Dining on a budget | Flat-rate cash back |
Issuer Comparison
| Feature | Bilt Blue Card | Bilt Obsidian Card | Bilt Palladium Card |
|---|---|---|---|
| Annual Fee | $0 | $95 | $495 |
| Welcome Offer | $100 Bilt Cash | $200 Bilt Cash | 50,000 pts + Gold Status + $300 Bilt Cash |
| Rewards Rate | Up to 1.25x housing, up to 4x partner dining | 3x dining or grocery, 2x travel | 2x everyday, up to 5x partner dining |
| Key Credits | $100 hotel credit yearly | $100 hotel credit yearly | $400 hotel credit, $200 Bilt Cash, lounge access |
| Best For | No-fee rent rewards | Dining and grocery renters | Premium perks on rent |
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