Bilt Blue Card
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 plus 4% back in Bilt Cash - a separate in-ecosystem currency you can convert to points on housing payments ($30 of Bilt Cash unlocks 1,000 points) or spend on monthly credits. Bilt Points are among the most valuable in the market, transferring 1:1 to airline and hotel partners. Add free on-time rent reporting to the credit bureaus and a 10% intro APR for 12 months, and it's easy to hold if you rent or carry a mortgage.
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 at 20,000+ Bilt partner restaurants (Bilt Dining). |
| Hotels | 3x | portal | 3X on hotels booked through the Bilt Travel Portal. |
| Lyft | 3x | — | 3X on Lyft rides after linking your Bilt and Lyft accounts. |
| Flights | 2x | portal | 2X on flights booked through the Bilt Travel Portal. |
| 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.
24 partners
Meet the partners →
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
24 partners
Points earned with this card transfer to 24 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. British Airways Executive 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. |
| 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. |
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