Column N.A. · Mastercard
Bilt Blue Card
Renters who want to earn points on rent with no annual fee
No annual fee
Why people consider it
- 1.25x on Rent.
- Points transfer to 4 airline and hotel partners.
- No foreign transaction fees.
Current welcome offer
Welcome offer: +$100
Requirement: No spend requirement
Current offer shown; issuer determines eligibility.
Details: $100 of Bilt Cash on or about the account open date, no spending requirement (Bilt Cash spends inside the Bilt ecosystem and is not redeemable for cash)
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$1,037/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,137 first year
Includes: +$100 welcome offer
$100 is one-time. $1,037/year is ongoing.
To earn the bonus: no spend requirement.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Points on rent are capped at 1.25x; the 4% Bilt Cash boost is an opt-in choice, not automatic Only 1x on everyday (non-rent) spend on the free tier
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Rent & mortgage paid through Bilt (debited from your linked bank account, no transaction fee) — up to 1.25x, earned in full only when your everyday spend on the card at least matches the housing payment (0.5x–1x below that; a flat 250 points under 25%); or choose 4% back in Bilt Cash on everyday spend, which caps housing at 1x
Hotels booked through the Bilt Travel Portal
Flights booked through the Bilt Travel Portal
Point value: ~1.8¢ each
Optional benefits and credits
Perks (not counted in our math)
Pay rent or mortgage through Bilt, debited from your linked bank account, with no transaction fee
Pay your monthly wireless bill with the card
Reports your rent payments to the credit bureaus
Redemption and transfer information
Points transfer to 4 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Column N.A.'s site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Earn up to 1.25x on rent & mortgage with no payment fee (or 4% back in Bilt Cash on everyday spend)
- + Points transfer to major airline & hotel partners
- + No annual fee and no foreign transaction fees
- + Rent payments are reported to build credit
Cons
- - Points on rent are capped at 1.25x; the 4% Bilt Cash boost is an opt-in choice, not automatic
- - Only 1x on everyday (non-rent) spend on the free tier
- - Bigger earning (3x dining/grocery, travel) requires the paid Obsidian ($95) or Palladium ($495) tiers
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.