{"card":{"slug":"bilt-blue","name":"Bilt Blue Card","issuer":"bilt","currency":"Bilt Points"},"status":"recent","lastVerified":"2026-10-26","officialSource":"https://www.bilt.com/card","history":[{"date":"2026-02","bonus":0,"spend":0,"months":0,"note":"Bilt 2.0 launch on Cardless, issued by Column N.A."},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"Prior Credit Compound record represented a claimed $100 Bilt Cash offer as 5,000 points; no source attachment was retained"},{"date":"2026-09-04","bonus":0,"spend":0,"months":0,"note":"No public welcome offer shown on Bilt's card page","observedOn":"2026-09-04","sourceUrl":"https://www.bilt.com/card","sourceLabel":"Bilt card lineup and terms"}],"verificationEvents":[{"id":"e039bcf4-8f00-4023-bacd-8dea48e1a9f6","entityType":"card","slug":"bilt-blue","checkedAt":"2026-10-23T06:41:01.236Z","recordedAt":"2026-10-23T06:41:01.237Z","sourceUrl":"https://www.biltrewards.com/terms/bilt-card-offer-terms","sourceLabel":"Bilt offer terms September 18, 2026","outcome":"confirmed","summary":"Guide housing-choices explanation checked against terms: spending-ratio tiers and qualified floor versus Flexible Bilt Cash redemption; options do not stack. Connected bank account and eligible housing payments required.","changedFields":[],"previousHash":"7c5c3ab8126e18e98fd6cd52f8f2db00cbe74face2e0e2adf17627507c9f00a2","recordHash":"581927b52e628a0c7f8b025f40aef44b56c82ccbbcbfc2b16c61c10b14080162"},{"id":"9cca0e8d-f6bf-4bb4-bd86-c0513fa26980","entityType":"card","slug":"bilt-blue","checkedAt":"2026-10-23T06:41:01.089Z","recordedAt":"2026-10-23T06:41:01.090Z","sourceUrl":"https://www.bilt.com/card/blue","sourceLabel":"Issuer terms for no-annual-fee guide","outcome":"confirmed","summary":"Guide-only fee and ongoing rewards check October 23. Does not renew full card, current welcome offer, APR or approval claims.","changedFields":[],"facts":{"scope":"best-no-annual-fee-credit-cards guide only","annualFee":0,"earningSummary":"1x Bilt Points on other everyday purchases. Eligible housing payments can earn up to 1.25x under Housing-only rewards, depending on everyday spending.","watchOut":"Choose between Housing-only rewards and Flexible Bilt Cash. Points and Bilt Cash have different uses; neither should be treated as an unrestricted cash-back percentage."},"previousHash":"4934e2d2a74db3528f2f6e16fa6be3bc1ae8c94861f4db4e1e989a2ae07172f9","recordHash":"ff0409325d8ae93e3ccf2ce8d16fee4086857200bf975158fa94e320ae0b0a9e"},{"id":"67d49125-96cb-4e97-9940-1391d5aeae8b","entityType":"card","slug":"bilt-blue","checkedAt":"2026-09-05T03:06:00.000Z","recordedAt":"2026-09-05T03:19:42.328Z","sourceUrl":"https://www.bilt.com/card","sourceLabel":"Bilt card lineup and terms","outcome":"changed","summary":"Removed an unsupported $100 Bilt Cash welcome-offer claim and recorded current earning, housing-reward, fee, APR and no-minimum terms.","changedFields":["currentOffer","offerHistory","earningRates","benefits","cons","applyUrl","lastVerified"],"facts":{"welcomePoints":0,"annualFee":0,"housingRateUpTo":1.25,"fiveTransactionMinimum":false,"housingAnnualCap":false},"previousHash":"ebe86401f6bef7f8b5ac6afde57b330ba74a3b0780f5288529e31c3fe0286637","recordHash":"5c7eefbac6e43c7c7cefa65194befd3202089ece155e347135b9dbce5f445688"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}