Bilt Blue Card
- Annual fee
- None
- Top rewards rate
- 1%on everything
- Foreign transaction fee
- 0%
Earns a flat 1% on ordinary spending. The headline 3% on hotels through Bilt Travel is the card's real draw, but it applies only when you qualify, so this is worth holding if that matches how you actually spend.
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Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Rent & mortgage | 1% | Unlimited |
| Hotels if you qualify | 3% | Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. |
| Flights if you qualify | 2% | Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. |
| Other travel if you qualify | 3% | Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
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See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Bilt Blue Card?
The Bilt Blue Card has no annual fee.
What is the sign-up bonus for the Bilt Blue Card?
The Bilt Blue Card does not currently offer a sign-up bonus.
Does the Bilt Blue Card charge foreign transaction fees?
No, the Bilt Blue Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Bilt Blue Card?
The Bilt Blue Card earns 1% on Rent & mortgage. It also advertises 3% on hotels through Bilt Travel and 2% on flights through Bilt Travel and 3% on Lyft, but those rates apply only when you qualify, so they are excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.