Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Blue Card (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Neither card has an annual fee, and they earn the same in every category we compare. Enter your monthly spending above to see which comes out ahead for you.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Blue Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Rates with conditions not counted in the rows above |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
None |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.