Bilt Blue Card
Bilt
Intro Offer
$100 in Bilt Cash on account opening
Annual Fee
$0
Recommended Credit
670 to 850
Good - Excellent
Rewards & Earn Rates
1X
Travel
1X
Dining
1X
Grocery
1X
Gas
1X
Other
Not Included
TSA Pre✓
1x points on everyday spend, plus 4% back in Bilt Cash on everyday (non-housing) purchases | Points on rent and mortgage payments, up to 1.25X with Housing-only rewards or up to 1X with Flexible Bilt Cash, with no transaction fee when paid through Bilt
Why We Choose It
The entry point of the Bilt 2.0 lineup, the no-annual-fee Bilt Blue Card keeps the feature that made Bilt famous: earning rewards on rent and mortgage payments with no transaction fee when you pay through Bilt. Everyday spend earns 1x points plus 4% back in Bilt Cash, and there are no foreign transaction fees. If you rent and want to start earning on your single biggest monthly expense without paying an annual fee, this is the card to start with.
More About the Bilt Blue Card
The no-annual-fee tier of the Bilt 2.0 card lineup that launched in February 2026, replacing the original Wells Fargo-issued Bilt Mastercard (closed to new applicants November 5, 2025). Issued by Column N.A., Member FDIC. Earns 1x points and 4% back in Bilt Cash on everyday spend, plus rewards on rent and mortgage paid through Bilt with no transaction fee.
Pros & Cons
Pros
- Earns rewards on rent and mortgage payments with no transaction fee when paid through Bilt, the headline Bilt feature, now at no annual fee.
- No annual fee and no foreign transaction fees.
- Issued by Column N.A., Member FDIC, on a modern app-first platform; includes World Elite Mastercard benefits and a 10% intro APR on new eligible purchases for 12 months.
Cons
- Everyday rewards are split between 1x points and 4% Bilt Cash (with the Flexible Bilt Cash option), a Bilt-specific currency that is less flexible than transferable points for non-housing spend.
- How many points rent earns depends on your everyday card spending (Housing-only rewards, up to 1.25X) or on redeeming Bilt Cash (Flexible Bilt Cash, up to 1X).
