Bilt Blue Benefits, Credits & Annual Fee

Transfer Bilt Points to participating travel loyalty programs. Use your Bilt account to choose a transfer partner and move points for travel redemptions. Partner availability, transfer ratios and minimums can vary, so review the terms before transferring points.

Use Bilt Points to book travel through the Bilt Travel Portal. Search available flights or hotels in the portal and apply points at checkout. Booking availability, prices and the points needed depend on the itinerary you choose.

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 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.

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.

Earn bonus Bilt Points for drive-up parking at Metropolis Vision technology locations. Use your Bilt Blue Card for a qualifying parking purchase at a participating location. Points are based on net eligible purchases after returns or credits; the bonus rate is not specified here.

Earn 4X Bilt Points at Bilt dining partners.

Earn bonus Bilt Points on qualifying Bilt Home Delivery purchases. Shop through Bilt Home Delivery and use your card for an eligible purchase. Points apply to net purchases after applicable returns or credits; the quoted terms do not specify a fixed bonus rate.

Earn bonus Bilt Points per dollar when you shop in-store at Walgreens with your card. Points are based on net purchases, after returns, credits, tips, and other discounts. Online Walgreens orders don't count.

Earn at least 250 points in a billing cycle when you pay housing through Bilt, even if your everyday spending is low. The floor applies when you don't meet the minimum 25% of your housing payment in everyday spend.

Earn 3X Bilt Points on hotels booked through Bilt Travel.

Earn 3X Bilt Points on Lyft rides when accounts are linked.

Earn 2X Bilt Points on flights booked through Bilt Travel.

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.

Earn 1X Bilt Points on everyday purchases.

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 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.

Earn a minimum of 250 points when you make a housing payment, even if your everyday spending is too low to earn more. The floor applies when your everyday spend is below 25% of your housing payment. Points are earned through the Housing-only Option.

Earn 4% back in Bilt Cash on everyday spending with your Bilt Blue Card. Select the Flexible Bilt Cash Option to earn it on qualifying purchases; enabled authorized users can earn it too. This rate applies only while that rewards option is selected.

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.

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.

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.

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.

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.

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.

Redeem Bilt Points for gift cards from participating merchants. Browse the gift card options in your Bilt account and use points to choose one. Available merchants, denominations and the number of points required can vary.

Use Bilt Points toward Lyft rides. Select a points redemption through Bilt for a qualifying ride. Check the redemption details before confirming your ride for the current points value and any remaining amount you need to pay.

Use Bilt Points to pay part of your monthly rent. Redeem points through Bilt when making an eligible rent payment. Points cover only the amount you choose to redeem, so you must pay any remaining rent by another supported method.

Use Bilt Points toward your Bilt Card statement balance. Redeem points through your Bilt account for a statement credit. Check the redemption screen for the current points-to-dollar value; a credit reduces your balance but does not necessarily replace a required payment.

A 5% fee applies to each purchase made outside the U.S. or in a foreign currency.

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.

Pay rent or a mortgage through a portal, Venmo or a check generated with Bilt BillPay. Set up your housing payment in Bilt and choose a supported delivery method. Check your landlord’s or mortgage servicer’s accepted payment methods before sending money.

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.