Bilt Blue Card
Column N.A.
Intro Offer
$100 in Bilt Cash on account opening
Annual Fee
$0
Recommended Credit
670–850
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 | Unlimited 1x points on rent and mortgage payments, 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, a Bilt-specific currency that is less flexible than transferable points for non-housing spend.
- Earning points on rent still requires meeting Bilt's monthly transaction requirement (use the card for everyday purchases to unlock rent points).
- The Points Party cannot yet earn affiliate commission on Bilt 2.0 signups — the affiliate program does not yet cover the Column-issued cards.
Some links on this page are affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.
