Bilt Blue Card · CardMatcha

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General

Cardless

Bilt Blue Card

Paying Rent

Welcome bonus

No welcome bonus currently available

Rewards

Everyday

General

1x

Bonus categories

Each applies only to the spend described, not to the whole category.

Dining & Food DeliveryAt Bilt Dining partner restaurants

4x

Gas & TransitOn Lyft rides

3x

TravelHotels through Bilt Travel

3x

TravelFlights through Bilt Travel

2x

Housing

Rent, mortgage and HOA through Bilt

up to 1.25x

The rate scales with how much non-housing spend you put on the card:

100% or more of your rent in everyday spend: 1.25x
75-99% of your rent in everyday spend: 1x
50-74% of your rent in everyday spend: 0.75x
25-49% of your rent in everyday spend: 0.5x
Under 25% — a flat 250 points: 250 pts

Benefits

MasterRental car rental coverage
Trip cancellation and interruption protection
Trip delay reimbursement
Purchase assurance for new purchases
Cellular wireless telephone protection
No foreign transaction fees
No transaction fee on housing payments made through Bilt

Pros

No annual fee
No foreign transaction fees
No transaction fee on housing payments made through Bilt
Rewards on rent, mortgage, and HOA payments
3X on hotels through Bilt Travel
3X on Lyft
2X on flights through Bilt Travel
4X at Bilt dining partners
Up to 1.25X points on rent and mortgage payments
Travel and purchase protections included

Cons

High variable APR of 26.74%–34.74% after intro period
10% intro APR only for first 12 billing cycles
Rewards on rent require using Bilt's dedicated account/routing number

Annual fee: No annual fee
Rating: 3.0
Issuer: Cardless

Opens Cardless's site. Terms apply.

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