The Bilt Blue Card (see charges and costs) is the entry-level, no-annual-fee card for Bilt Rewards members.
This card earns versatile Bilt Factors and Bilt Money (should you select) at a flat price on all nonhousing purchases, plus limitless factors on hire and mortgage funds (as much as 1.25 factors per greenback spent). You may have to repeatedly spend on the cardboard to unlock full rewards on housing funds.
Bilt factors are essentially the most useful 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 record of 23 switch companions, together with Alaska Airways Atmos Rewards, United Airways MileagePlus and World of Hyatt.
New cardholders obtain $100 in Bilt Money 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. Nonetheless, it would not present many further advantages, and a few cardholders could discover that limiting. Card score*: ⭐⭐⭐½
*Card score 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 should 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 means of the tiered-rewards choice, or as much as 1 level per greenback spent should you choose 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 brand new Bilt Rewards card welcome supply? Your largest Bilt card questions answered
Bilt Blue execs and cons
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Bilt Blue key advantages
With no annual charge, 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 charges and costs) and $495-annual-fee Bilt Palladium Card (see charges and costs).
The Bilt Blue Card’s two major perks are cellphone safety and no overseas transaction charges.
You will not obtain any assertion credit on the Bilt Blue Card.
Associated: Earn rewards on a finances with these no-annual-fee bank card methods
How Bilt factors work
Find out 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 should you go for the tier-rewards choice, you will not earn Bilt Money.
‡Tax funds and purchases with on-line resale marketplaces (comparable 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 should utilize 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 total 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 usually sufficient to unlock full points-earning capabilities.
In the event you pay $2,000 in hire, you will have to redeem $60 in Bilt Money to earn 2,000 factors on that cost. In the event 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 following yr.
In the event you select to earn by means of the tiered-rewards choice, you will have to spend 75% of what your housing cost prices so as to earn a full 1 level per greenback spent.
With the identical $2,000 hire value, you will have to spend $1,500 on nonhousing purchases in your card in the identical month to earn 2,000 factors in your housing cost. In the event 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 a transaction charge with this feature.
Find out how to redeem Bilt factors
You may get closest to TPG’s valuation of Bilt factors at 2.2 cents apiece by transferring them to one among Bilt’s 23 airline and resort 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 Airways Fast Rewards.
I steadily switch my Bilt factors to Atmos Rewards for short-haul home American Airways flights. I’ve beforehand used 4,500 factors to e book a one-way flight from Charlotte Douglas Worldwide Airport (CLT) to Louisville Muhammad Ali Worldwide Airport (SDF) to go to a pal.
I additionally suggest Bilt loyalists take a look at World of Hyatt, which gives incredible worth on resort stays because of its profitable award chart.
You could possibly 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 suggest these redemptions, nonetheless, since they yield values decrease than our valuation of Bilt factors.
Drawbacks to think about
The Bilt Blue’s welcome bonus is essentially the most underwhelming within the Bilt Card 2.0 suite, so in order for you 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 might discover it overly sophisticated to calculate how a lot spending is required on the Bilt Blue Card to earn full factors on their housing cost. With the tiered-rewards choice, it might 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 may additionally by no means earn greater than 1 level per greenback spent on nonhousing funds and 4% Bilt Money on any buy, which might be limiting to some cardholders.
Evaluating the Blue to different Bilt playing cards
You may 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 record of perks for $95 a yr.
The highest-tier Bilt Palladium Card expenses $495 and gives the best stage 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: Present Bilt cardholders: Key dates and deadlines as Bilt transitions to new card choices
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 choice should you’ll spend steadily sufficient on it to earn full rewards in your hire or mortgage.
Nonetheless, should 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 have in mind 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 take a look at different journey playing cards or perhaps a cash-back choice.
Apply right here: Bilt Blue Card
For charges and costs of the Bilt Blue Card, please click on right here.
For charges and costs of the Bilt Obsidian Card, please click on right here.
For charges and costs of the Bilt Palladium Card, please click on right here.
