Bilt Mastercard
Bilt, Mastercard, no annual fee. Earns Bilt Points, valued at 2.00¢ a point.
Rates checked against the issuer 2026-08. Foreign transaction fee: none.
The short version
- Best at: food delivery (#2, $6.00 per $100).
- A year's rewards: about $715, with no fee to pay.
- Weighing it up against: Sapphire Preferred.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $715 a year on the illustrative household's spending, which puts it number 2 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
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. |
|---|---|---|
| Restaurants & Bars, Food Delivery | 3x | |
| Flights, Hotels, Vacation Rentals, Car Rental | 2x | |
| Rent | 1x | Rent with no transaction fee — requires 5 transactions per month |
| Everything else | 1x |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #2 of 117 for food delivery — $6.00 per $100
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. |
|---|---|
| Restaurants & Bars | $216 |
| Groceries | $120 |
| Everything Else | $120 |
| Flights | $48 |
| Gas Stations | $36 |
| Online Shopping | $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.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
- Cell phone — up to $800 per claim
- Purchase protection — up to $10,000 per claim, 90 days
- Trip delay — up to $200 per claim
What the issuer lists besides rewards
- Discontinued 7 February 2026 and replaced by the Bilt Blue, Obsidian and Palladium cards — kept here for existing holders
- Pay rent by card with no transaction fee
- Double points on the first of every month, up to a cap
- No foreign transaction fees
- Cell phone protection up to $800 per claim, after a $25 deductible, for two claims a year
- Trip delay reimbursement up to $200 per person once a trip runs more than six hours late
- Purchase protection up to $10,000 per claim for 90 days after you buy
Similar cards
- American Express Amex EveryDay — annual fee none
- Wells Fargo Autograph — annual fee none
- Bilt Blue Card — annual fee none
- American Express Blue Business Plus — 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.