Column N.A. · Mastercard
Bilt Blue Card
Annual Fee
$0
Sign-Up Bonus
$100
Current offer shown; issuer determines eligibility.
Terms apply.
Base Rate
1x
on everything
Best For
Renters who want to earn points on rent with no annual fee
Sign-Up Bonus
Bonus: 100 Bilt Cash
Details: $100 of Bilt Cash as a sign-up bonus
Requirement: Spend $0 in 0 months
Estimated value: $100Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Rent & mortgage (no payment fee) — up to 1.25x, earned in full only when your everyday spend on the card at least matches the housing payment (less below that); or choose 4% back in Bilt Cash on everyday spend
Point value: ~1.8¢ each
Key Benefits
Perks (not counted in our math)
Pay rent or mortgage by card with no transaction fee
Reports your rent payments to the credit bureaus
Pros & Cons
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
- - Must make 5 transactions/month to earn points
- - 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
Transfer Partners
Points transfer to 5 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on Column N.A.'s site
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.