Bilt Blue Card
- **Authorized users from age 13:** You can add an authorized user from age 13 and set monthly and per-transaction spending limits, choose which merchant categories their card works at, pause it instantly and see every transaction. Teens 13 to 17 earn Bilt Points into your balance, and credit reporting starts when the user turns 18.
The Bilt Blue is the no-annual-fee entry to Bilt Card 2.0, built around one trick nobody else offers: pay your rent or mortgage with no transaction fee and no preset housing limit. You earn 1X Bilt Points on everyday spend, and Bilt Points are among the most valuable in the market, transferring to most airline and hotel partners at 1:1, with Accor at 3:2 and I Prefer Hotel Rewards at 1:2. Participating Bilt partner restaurants, eligible Lyft rides and Bilt Travel Portal bookings earn bonus points on top of the 1X. The card opens with $100 in Bilt Cash after approval, no spending required. Bilt Cash is not the same as Bilt Points: it is a credit you spend with Bilt partners like Lyft, Grubhub, Bilt Travel, and Walgreens, it can't be transferred to airline or hotel partners, and it expires December 31 each year with up to $100 rolling into the next year. If you choose the Flexible Bilt Cash option, you earn 4% back in Bilt Cash on eligible everyday spending (not rent or mortgage) on top of your normal points. If you choose Housing only instead, you keep your normal points but give up the 4% Bilt Cash and earn up to 1.25X points on rent and mortgage. Housing only is the default unless you pick Flexible Bilt Cash when you onboard. Add free on-time rent reporting to the credit bureaus and a 10% intro APR for 12 billing cycles, and it's easy to hold if you rent or carry a mortgage.
Perks worth knowing
Extra value that rides along with this card, from its network and from benefits that unlock more.
Earn points on rent, your biggest bill
Catch: The no-annual-fee version is the entry Bilt card; higher tiers earn more but carry a fee.
Welcome bonus
What you get for signing up — no minimum spend required.
$100 · no min spend
See the offer →
Welcome bonus
What you get for signing up — no minimum spend required.
$100 · no min spend
$100. No minimum spend required.
$100 in Bilt Cash on account opening (no spend requirement).
Earn rates
How many points per dollar across categories.
6 categories · top rate 4x
See the multipliers →
Earn rates
How many points per dollar across categories.
6 categories · top rate 4x
Card-level multipliers. Earn currency: Bilt Rewards.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| Dining | 4x | — | Up to 4X total (the card's 1X plus a bonus that varies by restaurant) at 20,000+ Bilt partner restaurants (Bilt Dining). |
| Hotels | 3x | portal | 3X total on hotels booked through the Bilt Travel Portal: the card's 1X plus a 2X portal bonus. You don't get the bonus if any part of the booking is paid with Bilt Points, Bilt Cash or travel credit. |
| Lyft | 3x | — | 3X total on eligible Lyft rides after linking your Bilt and Lyft accounts: the card's 1X plus a 2X Lyft bonus. |
| Flights | 2x | portal | 2X total on flights booked through the Bilt Travel Portal: the card's 1X plus a 1X portal bonus. You don't get the bonus if any part of the booking is paid with Bilt Points, Bilt Cash or travel credit. |
| Housing | 1.25x | — | Rent and mortgage earn a VARIABLE 0X-1.25X, not a flat rate, based on your Everyday Spend Ratio (everyday spend vs. your housing payment that billing cycle): under 25% = a 250-point flat floor; 25%+ = 0.5X; 50%+ = 0.75X; 75%+ = 1X; 100%+ = 1.25X. No annual cap. This applies under the Housing-only Rewards Option (which forgoes the 4% Bilt Cash on everyday spend). |
| All other purchases | 1x | — | 1X on other everyday purchases. |
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
27 partners
Meet the partners →
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
27 partners
Points earned with this card transfer to 27 partner programs via Bilt Rewards.
| To | Ratio | Notes |
|---|---|---|
| Atmos Rewards | 1:1 | No transfer fee. Atmos Rewards (Alaska + Hawaiian combined program); strong oneworld and partner sweet spots. |
| Aer Lingus AerClub | 1:1 | No transfer fee. AerClub Avios. |
| Air Canada Aeroplan | 1:1 | No transfer fee. Free stopover; strong Star Alliance business-class value. |
| Flying Blue | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Avianca LifeMiles | 1:1 | No transfer fee. LifeMiles; no fuel surcharges on Star Alliance. |
| Avios | 1:1 | No transfer fee. The British Airways Club; Avios usable across the BA/Iberia/Aer Lingus family. |
| Cathay Pacific Asia Miles | 1:1 | No transfer fee. Asia Miles; first and business class to Asia. |
| Emirates Skywards | 1:1 | No transfer fee. Skywards. |
| Etihad Guest | 1:1 | No transfer fee. Etihad Guest. |
| Club Iberia Plus | 1:1 | No transfer fee. Iberia Plus Avios. |
| Japan Airlines Mileage Bank | 1:1 | No transfer fee. JAL Mileage Bank; oneworld premium to Asia. |
| Qatar Privilege Club | 1:1 | No transfer fee. Privilege Club; books Qsuites business. |
| Southwest Rapid Rewards | 1:1 | No transfer fee. Rapid Rewards; no change fees, no award chart. |
| TAP Miles&Go | 1:1 | No transfer fee. TAP Miles&Go. |
| Turkish Miles&Smiles | 1:1 | No transfer fee. Miles&Smiles; very low Star Alliance pricing. |
| United MileagePlus | 1:1 | No transfer fee. MileagePlus. |
| Virgin Atlantic Flying Club | 1:1 | No transfer fee. Flying Club; ANA and Delta One sweet spots. |
| Virgin Red | 1:1 | No transfer fee. Virgin Group rewards club; moves 1:1 on to Virgin Atlantic Flying Club. |
| ALL - Accor Live Limitless | 3:2 | No transfer fee. ALL - Accor Live Limitless; the lone non-1:1 partner (1,000 Bilt is about 667 Accor points). |
| Hilton Honors | 1:1 | No transfer fee. Hilton Honors. |
| Hyatt | 1:1 | No transfer fee. The crown-jewel redemption; outsized value at top properties. Bilt has announced the ratio changes to 4:3 on January 1, 2027; it stays 1:1 through December 31, 2026. |
| IHG One Rewards | 1:1 | No transfer fee. IHG One Rewards. |
| Marriott Bonvoy | 1:1 | No transfer fee. Marriott Bonvoy. |
| Wyndham Rewards | 1:1 | No transfer fee. Wyndham Rewards; added 2026. |
| Preferred Hotels iPrefer | 1:2 | Preferred Hotels iPrefer. 1,000 Bilt Points = 2,000 iPrefer points (1:2). Added June 22, 2026 - 700+ independent properties in 85 countries. iPrefer points redeem at a fixed value toward stays, so this is best for topping off a planned Preferred Hotels booking. Transfers in 1,000-point increments (2,000 minimum for Blue tier). No transfer tax. |
| Amtrak Guest Rewards | 2:1 | Amtrak Guest Rewards, Bilt's first rail partner, added September 23, 2026. Transfers in 1,000 point increments (2,000 minimum for Blue tier). Link your Amtrak Guest Rewards account before your first transfer. |
| JetBlue TrueBlue | 1:1 | Added October 20, 2026. Transfers are in 1,000-point increments, with a 2,000-point minimum for Blue members and 1,000 for Silver, Gold and Platinum. Link your TrueBlue account to Bilt first. |
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
See the details →
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
Other
Other perks on this card.
5 benefits
See the details →
Other
Other perks on this card.
5 benefits