Bilt Blue Card
Bilt · Mastercard · no annual fee · earns Bilt Points, valued at 2.00¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $529, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $529 a year on the illustrative household's spending, which puts it number 13 of 46 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 3x | Only through the issuer's travel portal · Booked through the Bilt Travel Portal |
| Flights | 2x | Only through the issuer's travel portal · Booked through the Bilt Travel Portal |
| Rent | 1x | Paid through Bilt with no fee — actually 0x to 1.25x, set by how much else you charge to the card that cycle |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $120 |
| Everything Else | $120 |
| Restaurants & Bars | $72 |
| Gas Stations | $36 |
| Online Shopping | $36 |
| Utilities | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Pay rent or a mortgage through Bilt with no transaction fee
- Bonus points at Bilt Neighborhood Dining restaurants, varying by restaurant
- 3x total on Lyft after linking Bilt and Lyft accounts
- No foreign transaction fees
Similar cards
- Wells Fargo Autograph — annual fee none
- Bilt Mastercard — annual fee none
- American Express Blue Business Plus — annual fee none
- Citi Custom Cash — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.