Bilt Blue Card Review (New Card, No Annual Fee, $100 Bilt Cash Offer)

physixfan 2026-01-17 2026-01-17

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Features and Benefits

$100 Bilt Cash Welcome Offer: Earn $100 of Bilt Cash when you apply and get approved.
This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below.Based on our own valuation (not an official estimate from Bilt), Bilt Points are worth about 1.6 cents/point, because its 1:1 transfer partners include several high-value programs such as Hyatt, JL, AS, and UA!
Earn 1x Bilt points on everyday spend (i.e.excluding rent and mortgage).
The mechanism to earn points on rent and mortgage is a bit complicated, see Bilt 2.0: Explaining the Two Options to Earn Points on Rent and Mortgage for details.
Cellular Wireless Telephone Protection.
No Foreign Transaction Fee.

Bilt Points Overview

Bilt rewards points are surprising flexible and valuable.Its 1:1 transferrable partners are:

Accor (3:2 ratio)

Aer Lingus (EI) Avios

Alaska Airlines (AS) Mileage Plan

Air Canada’s (AC) Aeroplan

Air France (AF)/KLM FlyingBlue

Avianca (AV) LifeMiles

British Airways (BA) Avios

Cathay Pacific (CX) Asia Miles

Emirates (EK) Skywards

Etihad (EY)

Iberia (IB) Avios

Japan Airlines (JL) JAL Mileage Bank

Marriott

Qatar Airways (QR) Privilege Club

Southwest Airlines (WN) Rapid Rewards

Spirit (NK) Free Spirit

TAP (TP) Miles&Go

Turkish (TK) Miles & Smiles

Virgin Atlantic (VS) Flying Club

United Airlines (UA) MileagePlus

World of Hyatt

IHG

Hilton Honors

Virgin Red

Note that Hyatt points, JL miles, AS miles, and UA miles are quite valuable and not that easy to get.

Bilt points can also be redeemed towards the Bilt travel portal, powered by Expedia, at a fixed ratio of 1.25 cents/point.

Although this is not the best way to redeem Bilt points, it is a flexible way to redeem the points.

Bilt points can also be redeemed as statement credit at a fixed ratio of 0.55 cents/point.It is not recommended to redeem the points in this way because the ratio is too low.

Bilt Cash Overview

Bilt Cash is a newly introduced rewards system with Bilt Card 2.0, and it is separate from Bilt Points.Cardholders earn 4% Bilt Cash on purchases made with the Bilt Card (rent and mortgage payments excluded).However, Bilt Cash does expire:

Bilt Cash earned expires at the end of the same calendar year.

Up to $100 in Bilt Cash can be rolled over to the following year.

Bilt Cash cannot be redeemed as a statement credit.Its primary redemption options include:

Convert to Bilt Points: When paying rent or a mortgage, cardholders can choose the no-fee mode (otherwise a 3% fee applies) and convert $30 in Bilt Cash → 1,000 Bilt Points, up to the amount of the current bill (for example, a $2,000 payment allows conversion of up to 2,000 Bilt Points).

Offset eligible purchases: According to Bilt’s official list, Bilt Cash can be used in the Bilt App to offset spending in the following categories: hotel bookings via the Bilt Travel Portal, Lyft, fitness classes, purchases at Bilt partner restaurants, Gopuff home delivery, and the Bilt Collection.The exact limits and redemption value for these uses will need to be confirmed after the program is fully launched.

Status boost: On Rent Day, Bilt Cash can be used to temporarily boost your Bilt membership status.

Bilt Elite Status Overview

Bilt has the following Elite Status tiers:

Aside from Blue, which you receive automatically upon registration, the requirements for each tier are as follows (note that rent payments do not count toward spending requirements):

After reaching a given Bilt Elite Status tier, you can unlock additional benefits during special promotions.For example, Bilt has previously offered Rent Day transfer bonus promotions, and higher-tier members could receive significantly larger transfer bonuses.

Related Credit Cards

Card NameBilt BlueBilt ObsidianBilt PalladiumAnnual Fee$0$95$495Bilt Points Earning1x on rent, mortgage, and everyday spend3x on dining or grocery (choice of one; grocery up to $25K/year); 2x on travel; 1x on rent, mortgage, and everyday spend2x on everyday spend; 1x on rent and mortgageBilt Cash Earning4% on everyday spend4% on everyday spend4% on everyday spendCreditsN/A$100 Bilt Travel hotel credit ($50 every six months)$400 Bilt Travel hotel credit ($200 every six months); $200 Bilt Cash annuallyOtherN/AN/APPS

Summary

In the Bilt 2.0 era, Bilt Points themselves haven’t changed—and they’re still very strong.

Bilt continues to offer a wide range of transfer partners, including some that are hard to earn and highly valuable, and it frequently runs very generous transfer bonuses on Bilt Rent Day, which remains Bilt’s biggest advantage.

However, one of the major selling points of the old Bilt Card—fee-free rent payments—is gone on the new card.The newly introduced Bilt Cash also comes with an expiration date.Under the new system, if you want to pay rent or a mortgage with no fee while still earning Bilt Points, every $1,000 in rent/mortgage requires $750 in everyday spending.Compared to the old Bilt Mastercard, this is significantly less attractive.

On top of that, the system is overly complicated and headache-inducing.

As a no-annual-fee card, its points-earning ability is also fairly weak: just 1x Bilt Points on regular spending.When benchmarked against a 2% cash back card, even with the strong usability of Bilt Points, it’s still hard to justify.

Historical Offers Chart

Note: Only the Bilt Points part is shown in the chart; the Bilt Cash part is NOT shown.

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See Guide to Benefits and Rates and Fees for more details.

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.