Bilt Blue Card
Cardless (Bilt 2.0)
Bilt Blue Card
CommunityNo annual fee · Bilt Points · no foreign transaction fee
🎁 Welcome offer: No standard welcome offer — fee-free housing rewards are the pitch
Earning rates
- 1x
🏠 Rent
Fee-free points on rent AND mortgage, now uncapped (Bilt 2.0). Obsidian ($95) and Palladium ($495) tiers earn more.
- 2x
🍽️ Dining & restaurants
Verify — the three-card lineup launched Feb 2026 and rates differ by tier
- 1x
💳 Everything else
What are the points worth?
- Cash back0.80¢ / pt
- Balanced1.50¢ / pt
- Aspirational travel2.00¢ / pt
💡 Elite transfer roster (Hyatt, American, United) — and the only points you can earn on rent with no fee.
✈ Airlines: American AAdvantage, United MileagePlus, Alaska Mileage Plan, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways, Cathay Pacific, Emirates Skywards, Turkish Miles&Smiles, Avianca LifeMiles, Virgin Atlantic
🏨 Hotels: World of Hyatt (4:3 for new cardholders), Marriott Bonvoy, IHG One Rewards
Reward data is community-maintained and may be out of date — welcome offers in particular change constantly. Verify with Cardless (Bilt 2.0) before applying. Not financial advice.