Bilt Blue

$100 in Bilt Cash is credited to your account as soon as you're approved — no minimum spend required. You can use it in the Bilt app toward rent, hotel bookings, fitness classes, Lyft rides, or to unlock points on housing payments.

Earn bonus points on top of your standard card rate at Bilt's partner merchants — including local restaurants, fitness studios, and pharmacies. Check the Bilt app to find participating Neighborhood Benefits locations near you.

When you select the Flexible Bilt Cash earning mode in the Bilt app, you earn 1X Bilt Points plus 4% back in Bilt Cash on all non-housing purchases. Tax payments are excluded from point earning.

Earn $50 in Bilt Cash each time you accumulate 25,000 Bilt Points toward elite status. The reward unlocks automatically at every 25,000-point milestone and is ready to use in the Bilt app.

If you choose Flexible Bilt Cash as your earning mode, you can redeem $30 in Bilt Cash to earn 1,000 Bilt Points on rent or mortgage payments — up to the full amount of your housing payment, with no transaction fee.

Earn up to 1.25X Bilt Points on rent and mortgage payments made through Bilt, with no transaction fees. With Housing-Only Rewards selected, your exact multiplier is tiered based on how much you spend on everyday purchases during the same billing cycle.

On the 1st of every month (12:00 AM ET – 11:59 PM PT), earn 2X points on everyday purchases. Housing payments are excluded, and the bonus is capped at 1,000 extra points per month.

Charge the full rental to your Bilt Blue Card and decline the rental company's collision damage waiver to activate primary coverage for damage or theft. Primary coverage means you don't have to involve your personal auto insurer first. Exotic and luxury vehicles may be excluded.

If your trip is delayed 6 or more hours, the card covers reasonable expenses like meals and lodging up to $200 per covered traveler per day, for a maximum of 3 days. Book your travel with the Bilt Blue Card to be eligible.

If a trip paid with your Bilt Blue Card is cancelled or cut short due to a covered reason — such as illness or severe weather — you can be reimbursed for non-refundable costs up to $5,000 per covered traveler per trip.

Pay your monthly cell phone bill with the Bilt Blue Card to get coverage against damage or theft. Each claim is capped at $800 with a $25 deductible, and you can make up to 2 claims per year for a maximum of $1,600 in annual coverage.

Items purchased with the card are protected against damage or theft for 90 days from the date of purchase. Coverage goes up to $10,000 per item and $50,000 per account. Keep your receipt and file a claim within the coverage window if something goes wrong.

Get a 10% introductory APR on new purchases for the first 12 billing cycles after opening your account. After that period ends, the standard variable APR applies.

The Bilt Blue Card charges no foreign transaction fees on purchases made outside the U.S., whether in-person or online with a foreign merchant. There's nothing to activate — the fee is simply never applied.

Pay rent or your mortgage through Bilt without ever being charged a transaction fee. This applies regardless of which bonus rewards option you've selected for your account.

Every on-time rent payment you make through Bilt is reported to credit bureaus at no charge, helping you build credit history. Payments must be made through the Bilt platform to qualify.

Rent and mortgage payments through Bilt are pulled directly from your linked bank account, not your credit line. Your full credit limit stays available for everyday card purchases.

Keep the Bilt Blue Card with no annual fee, ever. There's no cost just to hold the card, so any rewards you earn go straight to your pocket.

Add up to five authorized users to your Bilt Blue Card account so others can earn points on their spending. Authorized users share your account's credit line and rewards pool.