MastercardBilt Blue Card
The free entry point to Bilt 2.0 and points on your rent or mortgage.
Welcome Bonus
5,000
≈$100 value
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $100 Bilt Cash on approval, no spend requirement
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xEveryday purchases
- 1xRent and mortgage
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Option to take 4% back in Flexible Bilt Cash on everyday spend instead of points
- ✦Every $30 in Bilt Cash unlocks roughly 1,000 points on housing payments
- ✦World Elite Mastercard protections
- ✦Free authorized users and no foreign transaction fees
Why it earns its spot
- +Mortgage and rent earning with zero annual fee
- +Bilt points transfer to Hyatt, Alaska, United and more
Where it costs you
- −1x base earn is weak outside the housing hook
- −Bilt Cash funding mechanics are genuinely confusing
- −Wells Fargo era perks like rent day promos changed under 2.0
The Compound Verdict
Bilt 2.0 moved from Wells Fargo to Cardless and split into tiers, and the Blue is the free taste. If your rent or mortgage is your biggest monthly number, this turns it into transferable points for nothing. Just go in understanding the Bilt Cash unlock system, because the earn is not as automatic as the old Mastercard.
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