Credit card directory

Bilt Blue Card

The Bilt Blue Card is the no-annual-fee entry in Bilt's Card 2.0 lineup. It earns Bilt Points at up to 1.25X on housing payments, 3X on hotels and 2X on flights booked through Bilt Travel, up to 4X at partner restaurants and 1X elsewhere, with no foreign transaction fee.

Facts read from the Bilt official card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

The line no other card in this directory has is housing: housing payments earn up to 1.25X as Bilt prints it, and the 'up to' carries conditions worth reading in the issuer terms. Partner restaurants carry the same kind of qualifier at up to 4X. The points feed Bilt's transfer list, which the Bilt Points hub records as mostly 1 to 1, with United MileagePlus, World of Hyatt, Air Canada Aeroplan and Atmos Rewards among the partners checked October 18, 2026.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs, assuming the full 1.25X applies: $2,200 a month in housing payments earns 33,000 points a year. Add $600 of hotels through Bilt Travel at 3X (1,800 points) and $6,000 of other purchases at 1X, and the year ends at 40,800 points, most of it from a payment the household was making anyway.

Welcome offer as published

As published on the issuer page: $100 Bilt Cash welcome bonus, as published in the issuer's card comparison table.

The welcome bonus is $100 in Bilt Cash, as published in the issuer's card comparison table on October 22, 2026, rather than a points bonus, and no spend threshold was recorded with it on the page read. Because the bonus is not in points, it does not add to a transfer balance; read the issuer terms for what Bilt Cash can be used for.

Who this earn structure suits

Renters and other housing payers: this is the only card family in the directory whose headline rate is on housing payments, and its points transfer to the airline and hotel partners covered in the Bilt hub. The travel and restaurant rates carry 'up to' qualifiers on the issuer page, tied to program status and where you book.

Notes from the issuer page

• Bilt's card page now presents a Card 2.0 lineup (Blue, Obsidian and Palladium) rather than the earlier single card. This record is the Blue card, the $0 entry in that lineup, read from the issuer's comparison table on October 22, 2026.
• The issuer page checked also publishes 3X total points on Lyft rides for this card: the 1X base rate plus 2X for a linked Lyft account, per the issuer page.

The traps to check in your account

• Points land in Bilt Points; read its hub and the transfer guides before moving any.
• The 3X total on Lyft rides is the 1X base rate plus 2X for linking a Lyft account, per the issuer page, so it depends on linking the accounts.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.