The Bilt Blue Card (see rates and fees) is the entry-level, no-annual-fee card for Bilt Rewards members.
It is a card that pays flexible Bilt Points and Bilten Cash (if you choose) at flat rate on all nonhousing purchases, plus unlimited points on rent and mortgage payments (up to 1 point). Per cent of dollars spent on 25 points per dollar) If you’re going to have to spend the card regularly, you’ll get full rewards on housing payments.
The most valuable rewards currency is bilt points, according to TPG’s January 2026 valuations of the currencies. industry-leading 2 points, which value these points. A transferable 2 cents apiece, they make up ‘the stellar list of 23 transfer partners including Alaska Airlines Atmos Rewards, United Airlines MileagePlus and World of Hyatt’.
Approved, and approved by new cardholders receive $100 in Bilt Cash for their application and approval. This is for current cardholders of the Wells Fargo-backed Bilt Mastercard®.
Not a member? Join Bilt Rewards now to start earning and redeeming Bilt Points.
The Bilt Blue Card is a good starting point for learning how Bilit Rewards works. But that’s not a lot of extra benefits, and some cardholders may find it helpful to limit their ability to do so. ****Card rating* 1-2**[/math]
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
It has independently collected the information for Bilt Mastercard by The Points Guy. On this page, the card issuer has not reviewed or provided any information about the cards details.
Bilt Blue: The basics
A Bilt Blue Card for flat-rate rewards and those who don’t want to pay an annual fee are the best options. here’s the news about .
THE POINTS GUY
- Annual fee: $0.
- Bilt Cash earning structure: Earn 4% Bilt Cash on all nonhousing purchases if you elect this option.
- Bilt points earning structure: Earn 1 point per dollar spent on everyday purchases.
********** Earning structure** * * *******Housing earning system* 1. If you want to make Bilt Cash if you choose the tiered-rewards option, 25 points per dollar spent on that or up to 1 point per dollars spent.
****************** * Welcome bonus Upon applying, you get $100 in Bilt Cash and are approved. The offer is open to current Bilt Mastercard card holders.
Related: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered
Bilt Blue pros and cons
| Pros | Cons |
| — | — |
| * Earn Bilt Cash and Bilt points on everyday purchases * No annual fee * No foreign transaction fees * Unlimited points earning on rent and mortgage payments | * Fewer premium benefits * No bonus category multipliers * Certain purchases do not earn points |
Bilt Blue key benefits
With no annual fee, the Bilt Blue Card is a stripped-down card with very few benefits.
This is especially true when comparing it with its two sister cards, the $95-annual-fee Bilt Obsidian Card (see rates and fees) and $495–annually-fed Bilten Palladium Card(see rate and fee).
JORDI SALAS/GETTY IMAGES
The Bilt Blue Card’s two primary perks are cellphone protection and no foreign transaction fees.
You won’t receive any statement credits on the Bilt Blue Card.
Related: Earn rewards on a budget with these no-annual-fee credit card strategies
How Bilt points work
How to earn Bilt points
The Bilt Blue Card earns:
- 4% Bilt Cash on all nonhousing spending†
- 1 point per dollar spent on all nonhousing purchases‡
- Up to 1 point per dollar spent on mortgage and rent payments
†Keep in mind that if you opt for the tier-rewards option, you won’t earn Bilt Cash.
‡Tax payments do not earn points.
Bilt Cash explained
In the Bilt Rewards platform, Bilent Cash can be used for purchases made within its own brand. examples Here are some of the uses for .
- Fitness classes
- Home delivery orders
- Hotel bookings
- Lyft rides
*** Unlock points on mortgage and rent payments* * redeem $30 in Bilt Cash to make 1,000 Bilten points (up to the full price of your housing payments) on loan or rent payment.
JOHNNYGREIG/GETTY IMAGES
Unless you have to redeem Bilt Cash or go on a spending threshold to earn points on housing payments. For this reason, you should be sure that you spend on the Bilt Blue Card often enough to unlock full points-earning capabilities.
When paying $2,000 in rent, you’ll have to redeem $60 in Bilt Cash to earn 2,000 points on that payment. If you redeem just $30 in Bilt Cash and use it, you’ll earn 1,000 Bilties instead of your original points. You don’t have to pay a transaction fee for paraphrasingr.
Most of your Bilt Cash will expire at the end of each calendar year. In Bilt Cash, only $100 is enough to be the next year’s roll over for just that one-year-old .
For example, if you choose the tiered-rewards option to make money on your housing payment costs, you’ll have to pay 75% of what is required for making a full 1 point per dollar spent.
For example, if the rent cost is $2,000, you’ll have to spend $1,500 on nonhousing purchases that aren’t included in your card over the same month for 2,000 points on your housing payment. During the same month, you’ll earn 2,500 points (thanks to the 1-month period) if you spend $2,000 in that month. 25-points-per-dollar multiplier) . This option does not charge transactions to buy a , and no transaction fee is charged.
How to redeem Bilt points
The closest you’ll get to TPG’s valuation of Bilt points at 2 – You’re going to be close. They are transferred to one of Bilt’s 23 airline and hotel partners, transferring them to 2 cents apiece.
We have a number of highly valued partners, but some of our favorites are Air Canada Aeroplan, Air France-KLM Flying Blue and Southwest Airlines Rapid Rewards.
My Bilt points often go back into the Atmos Rewards for short-haul domestic American Airlines flights. A friend has been visiting me with 4,500 points to book a one-way flight from Charlotte Douglas International Airport (CLT) to Louisville Muhammad Ali International airport (SDF).
The award chart is a very lucrative, and I recommend Bilt loyalists to watch World of Hyatt which offers great value on hotel stays.
Oceanfront Junior Suite Double at Hyatt Ziva Cap Cana. HYATT
You could also redeem points toward:
- Amazon.com purchases directly
- Bilt Collection purchases
- Bilt Travel portal bookings
- Fitness classes
- Next month’s rent or mortgage
We don’t recommend these redemptions, however, since they yield values lower than our valuation of Bilt points.
Drawbacks to consider
The most underwhelming in the Bilt Card 2 is the welcome bonus for the Bit Blue. So if you want more Bilt Cash or points up front, then apply for the Bil T Obsidian Card orbilt Palladium Card instead.
Moreover, some cardholders may be overly complicated to figure out how much spending is required on the Bilt Blue Card to earn full points on their housing payment. With the tiered-rewards option, it may be difficult for some cardholders to spend enough on the card to unlock up to 1 as well. paraphrasing 25 points per dollar on housing costs.
There are also no benefits and full protections for this No-annual-fee card, as well as a lack of benefits. Besides you’ll never make more than 1 point per dollar on nonhousing payments and 4% Bilt Cash on any purchase, which may be limited to some cardholders.
Comparing the Blue to other Bilt cards
More benefits will come to you, with higher earning rates on the other two Bilt cards. This is a good Bilt Obsidian Card for earning bonus points in two categories (dining, grocery and $25,000-year-travel) while enjoying’very small list of perks for $95-a year’.
It is the highest-tier Bilt Palladium Card, which costs $495 and offers the most benefits and credits (along with 2 Bilting points per dollar on all nonhousing purchases).
The other Bilt cards charge annual fees, so the trade-off for fewer benefits is that you won’t have to pay any annual fee on your Bilting Blue Card.
Related: Current Bilt cardholders: Key dates and deadlines as Bilt transitions to new card options
Bottom line
For Bilt Rewards fans, the BilT Blue Card is the best option for avoiding an annual fee at all costs. You should spend too much on it if you’re going to get full rewards on your rent or mortgage.
However, if you think the Bilt Blue Card has no bonus categories and benefits too limited, then either thebilt Obsidian Card or Bil T Palladium Card are better to choose just remember that you have to pay an annual fee with these cards.
But, if the structure of rent and mortgage rewards is too complicated, you may want to see other travel cards or even cash-back options.
Apply here: Bilt Blue Card
For rates and fees of the Bilt Blue Card, please click here.
For rates and fees of the Bilt Obsidian Card, please click here.
For rates and fees of the Bilt Palladium Card, please click here.
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