Bilt Blue Card
By Alex Compton · Last verified
The free entry point to Bilt 2.0 and points on your rent or mortgage.
Welcome Bonus
None
No public welcome offer shown on Bilt's card page
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 0 | No recorded spend | Terms reconfirmedNo public welcome offer shown on Bilt's card page | Bilt card lineup and terms → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedPrior Credit Compound record represented a claimed $100 Bilt Cash offer as 5,000 points; no source attachment was retained | Archive record · no attached snapshot |
| 2026-02 | 0 | No recorded spend | Earliest recordBilt 2.0 launch on Cardless, issued by Column N.A. | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Removed an unsupported $100 Bilt Cash welcome-offer claim and recorded current earning, housing-reward, fee, APR and no-minimum terms.
Fields: currentOffer, offerHistory, earningRates, benefits, cons, applyUrl, lastVerified
Bilt card lineup and terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 4xBilt Neighborhood Dining, up to
- 3xHotels booked through Bilt Travel
- 3xLyft
- 2xFlights booked through Bilt Travel
- 1.25xRent, mortgage & HOA, up toWith housing-only rewards; rate depends on everyday card spend relative to the housing payment
- 1xAll other everyday purchases
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
- ✦Flexible Bilt Cash earns 4% Bilt Cash on everyday purchases; $30 can unlock 1,000 housing points, up to 1x
- ✦No annual cap on eligible housing rewards and no five-transaction minimum
- ✦World Elite Mastercard protections
- ✦10% introductory APR on eligible purchases for the first 12 billing cycles
- ✦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 Bilt's partner categories
- −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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