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Bilt Blue Card

Bilt Blue Card
CardlessBilt RewardsNo annual fee
Apply Now

on Cardless's website

Information collected independently by Milesopedia. This page has not been reviewed or provided by Cardless.

Annual Fee
$0
Welcome offer
$100 in Bilt Cash when you open the card. No points bonus.

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Pros & Cons

Pros

  • No foreign transaction fees
  • No annual fee

Cons

  • No purchase protection

Our Review

The no-fee entry point to Bilt Rewards

The Bilt Blue Card has no annual fee and comes with $100 in Bilt Cash when you open it. There is no welcome bonus in points.

It earns 1 point per $1 on everyday purchases and up to 1.25 points per $1 on rent or mortgage payments, with higher rates at Bilt Dining partner restaurants (up to 4x), on hotels and flights booked through Bilt Travel (3x and 2x) and on Lyft (3x).

Bilt Rewards points transfer to Bilt's airline and hotel partners. The card is a World Elite Mastercard issued through Cardless. Terms from bilt.com, read on October 20, 2026.

Rewards

All Spending

1x

Bilt Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
Online advertising1x
$0/mo
All other spending1x
$500/mo

Points Earned

30,000

Bilt Rewards/yr

Estimated Value

$300

After Fees

+$300

1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.

$300

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1x
Total points earned30,000 pts
Value of points accumulated in the first year≈ $300

Additional Benefits

  • Up to 1.25 points per $1 on rent or mortgage payments.
  • Bilt Rewards points transfer to Bilt's airline and hotel partners.
  • No foreign transaction fees.

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Welcome offer: $100 in Bilt Cash when you open the card (no points bonus).
  • Up to 4 points per $1 at Bilt Dining partner restaurants.
  • 3 points per $1 on hotels and 2 points per $1 on flights booked through Bilt Travel; 3 points per $1 on Lyft.
  • 1 point per $1 on all other purchases, and up to 1.25 points per $1 on rent or mortgage payments.
  • No annual fee. No foreign transaction fees.
  • World Elite Mastercard issued through Cardless.

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Cardless. All trademarks are property of their respective owners.