Bilt Blue Card

A no-fee card that lets you earn points on rent or mortgage payments.

Who it's for

This card suits you if you pay rent or a mortgage and want to earn points on it without paying an annual fee. The Bilt Blue Card earns 1x on purchases, points on rent or mortgage payments, and up to 4x at Bilt dining partners. For a renter, that can mean points on your largest bill each month.

Who should skip it

Skip it if you don't pay rent or a mortgage, since that's the main reason to get it. For everyday spending, 1x is low, and a flat 2% card earns more. If you dine out a lot and use Bilt's network, the Obsidian may earn more even with its fee.

How to get the most from it

Pay your rent or mortgage through Bilt to earn points on it. Use the card at Bilt dining partners for the higher rate. Use a flat 2% card for other spending. Check Bilt's site for current rules, since Bilt's card lineup is fairly new and its terms can change. Pay in full every month.

Pros

• No annual fee
• Points on rent or mortgage
• Up to 4x at Bilt dining partners

Cons

• Only 1x on most purchases
• Value depends on using Bilt's program
• Terms are newer and still changing

Frequently asked questions

Is the Bilt Blue Card free?

Yes, it has no annual fee.

How do you earn points on rent with the Bilt Blue?

You pay rent or your mortgage through Bilt. Check Bilt's site for setup and limits.

Bilt Blue or Bilt Obsidian?

The Blue is free and best for renters who mainly want points on rent. The Obsidian costs $95 and earns more on dining and grocery.

Is the Bilt Blue good for everyday spending?

Not really. It earns 1x on most purchases, so pair it with a flat-rate card.