$0 annual fee · Bilt Blue Earn points on rent No affiliate links

The Bilt Card, every tier — verified and dated

Bilt's 2.0 lineup comes in three flavors — Blue, Obsidian and Palladium. We pulled every benefit straight from Bilt's own published pages, dated it, and added honest math so you can see which tier (if any) is worth it for how you actually spend.

Sources extracted from Bilt's published pages · June 1, 2026 · By O.B., Founder

Is it worth it?

Bilt's pitch is simple: it's one of the few cards that lets you earn points on rent without a transaction fee. Whether any tier pays off depends on how you spend. Here's the honest math for three common situations.

The renter

You pay $1,800/mo rent and want points for it. Bilt Blue ($0 fee) earns Bilt Points on rent plus 1X on everyday purchases, with no annual fee to claw back. If you transfer those points to airline or hotel partners, the value can beat a flat cash-back card — but only if you actually redeem through travel.

Best free entry point if you pay rent.

The diner & traveler

Bilt Obsidian adds 3X on dining or groceries, 2X on travel, a $100 annual Bilt Travel hotel credit and trip-delay coverage. If you spend heavily on food and travel, the higher multipliers and the travel credit can outweigh its fee — do the math on your real spend before upgrading.

Worth it for big dining/travel spenders.

The perks seeker

Bilt Palladium piles on a $400 annual Bilt Travel hotel credit, $200 annual Bilt Cash, Priority Pass lounge access, Bilt Gold status and purchase protection. Add up the credits you'll genuinely use; if they clear the (higher) fee, the perks are real. If you won't use the lounges or travel credit, skip it.

Only if you'll use the premium credits.

We don't earn a commission on any tier, so this isn't a nudge to upgrade — it's just the numbers. Annual fees vary by tier; confirm the current fee on Bilt's page before you apply.

How each tier earns

Every rate below is pulled from Bilt's own published pages and dated June 1, 2026. Click "view source" on any line to check it yourself.

Bilt Blue ($0 annual fee)

Benefit	What you get	Source
1X Bilt Points on everyday purchases	Earn 1 point on all purchases	view source
$100 Bilt Cash welcome bonus	$100 Bilt Cash on account opening	view source

Bilt Obsidian

Benefit	What you get	Source
3X Bilt Points on dining or groceries	Earn 3 points on dining or groceries	view source
2X Bilt Points on travel	Earn 2 points on travel purchases	view source
1X Bilt Points on all other purchases	Earn 1 point on everything else	view source
$100 annual Bilt Travel hotel credit	Annual $100 hotel credit on Bilt Travel	view source
$200 Bilt Cash welcome bonus	$200 Bilt Cash on account opening	view source
Trip delay insurance	Trip delay coverage included	view source

Bilt Palladium

Benefit	What you get	Source
2X Bilt Points on everyday spend	Earn 2 points on all spending	view source
50,000-point sign-up bonus	Get 50,000 bonus points	view source
$400 annual Bilt Travel hotel credit	Annual $400 hotel credit on Bilt Travel	view source
$200 annual Bilt Cash	$200 Bilt Cash every year	view source
$300 Bilt Cash welcome bonus	$300 Bilt Cash on account opening	view source
Bilt Gold status	Get Bilt Gold status	view source
Priority Pass lounge access	Free airport lounge access	view source
Purchase protection	Purchase protection on new items	view source
Authorized users	Add authorized users to your card	view source

Shared across the lineup

These benefits apply to the Bilt Rewards program itself, regardless of which card tier you hold.

Benefit	What you get	Source
1:1 point transfers to 17 airline programs	Transfer points to 17 airline programs	view source
1:1 point transfers to 6 hotel programs	Transfer points to 6 hotel programs	view source
10% introductory APR on new purchases	Low introductory APR on purchases	view source
No foreign transaction fees	No fees on international purchases	view source
4% back in Bilt Cash on everyday spend	Earn 4% Bilt Cash on everyday spending	view source
Rent Day benefits	Monthly exclusive Rent Day perks	view source
Neighborhood Benefits	Bonus points and perks at local merchants	view source
Bonus points on Lyft rides	Earn bonus points (+2X) on Lyft rides	view source
Bonus points at Walgreens	Earn bonus points at Walgreens pharmacy	view source
Complimentary items at select local restaurants	Free items at participating restaurants	view source
Complimentary rental at CorePower Yoga	Free rental at CorePower Yoga	view source

Ways to redeem Bilt Points

Redemption	What you get	Source
Rent credit	Use points toward your rent	view source
Home down payment	Use points toward a home down payment	view source
Student loan payment	Use points to pay student loans	view source
Travel through Bilt	Book travel through Bilt with points	view source
Lyft rides	Use points for Lyft rides	view source
Amazon purchases	Use points for Amazon purchases	view source
Barry's fitness classes	Use points for Barry's fitness classes	view source

The gotchas

The honest caveats most pages skip. None of these are dealbreakers on their own — just know them before you apply.

•Points are most valuable through travel transfers. Bilt Points shine when you transfer them 1:1 to airline and hotel partners. Redeem them for things like Amazon or fitness and the per-point value usually drops. If you won't book travel, a flat cash-back card may serve you better.
•Rent earning has rules. Bilt's whole appeal is fee-free rent points, but earning typically depends on meeting a monthly transaction requirement and on how you pay. Check Bilt's current terms so you don't miss out.
•Annual fees vary by tier. Blue is $0, but Obsidian and Palladium carry fees. The premium credits only pay off if you actually use them — add up the ones you'll really redeem before upgrading.
•This is the new "2.0" lineup. Bilt relaunched its cards, so older guides you find elsewhere may describe the previous single-card product. We sourced this page to Bilt's current published pages, dated June 1, 2026.

What we left out — and why

We only list benefits we could verify against Bilt's own published pages. A few things you might expect to see, we deliberately didn't include:

•Exact annual fees per tier. Fees can change and weren't part of our verified source set, so we point you to Bilt's page rather than print a number that might be stale.
•Point valuations. "Bilt Points are worth X cents" figures are estimates that depend on how you redeem. We list what each tier earns and let you decide.
•Which specific airline and hotel partners. We confirmed 17 airline and 6 hotel transfer partners, but partner lists shift — check Bilt's transfer page for the live roster before counting on a specific one.

How we built this page

Every benefit above is extracted from Bilt's own published Bilt Card pages by our automated pipeline, stored with its source link, and dated. We take no affiliate commissions and link to no application offers, so nothing on this page is shaped by what pays us — because nothing does. If a number here is wrong, it's because Bilt changed their page or our pipeline misread it; either way, our methodology explains how to check, and the source links let you verify every line yourself.