bilt

BILT BLUE CARD

visa

Bilt

Bilt Blue Card

No annual fee · renters, mortgage holders, no annual fee housing rewards

Advertiser Disclosure: Some of the card links on this page are from our partners. We may receive compensation when you apply through these links. This does not affect our ratings or recommendations. Our opinions are our own.

Quick Stats

Annual Fee

Signup Bonus

None

Spend Requirement

N/A

Foreign Transaction Fee

None

Credit Score

good

Currency

BILT

Earning Rates

rent1x

dining1x

travel1x

groceries1x

gas1x

other1x

Travel portal value

Worth 1¢ per point when booking through Bilt's travel portal

1¢/pt

Transfer Partners

Bilt Rewards

Airlines

American Airlines AAdvantage

AA·oneworld

1:1

instant

United MileagePlus

UA·Star Alliance

1:1

instant

Air Canada Aeroplan

AC·Star Alliance

1:1

instant

Alaska Airlines Mileage Plan

AS·oneworld

1:1

instant

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

British Airways Avios

BA·oneworld

1:1

instant

Cathay Pacific Asia Miles

CX·oneworld

1:1

instant

Emirates Skywards

1:1

instant

Turkish Miles&Smiles

TK·Star Alliance

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

Hawaiian Airlines HawaiianMiles

1:1

instant

Hotels

World of Hyatt

Points count toward Hyatt status

1:1

instant

IHG One Rewards

1:1

instant

Marriott Bonvoy

1:1

1-2 days

Perks & Benefits

Earn points on rent and mortgage (no fee)
1x on all purchases
1:1 transfer to Hyatt, AA, United, Air Canada, and more
No annual fee
$100 Bilt Cash upon approval

The Verdict

4/5

ByEllis Church·Mar 11, 2026

The only card that earns points on rent — and transfers 1:1 to Hyatt.

If you pay rent, you should have this card. Period. The average American renter pays $1,700/month — that's 20,400 Bilt points per year on money you're already spending, transferable 1:1 to Hyatt where they're worth 2+ cents each. That's $400+/year in travel value from rent alone. The 1x rate on other purchases is weak, so use it only for rent and housing payments. Pair with a CSP or Amex Gold for everything else.

Pros

Earn points on rent with no fee and no processing surcharge — literally no other card does this
1:1 transfer to Hyatt, American Airlines, United, Air Canada, and more — premium transfer partners
No annual fee and no late fees — unusually renter-friendly terms
No foreign transaction fee is a nice bonus for a no-fee card
$100 Bilt Cash welcome bonus requires no spending threshold

Cons

Only 1x on everything — the earning rate is mediocre for non-rent spending
No signup bonus in the traditional sense (no points for meeting a spend threshold)
Must make 5 transactions per month to earn points on rent — forces usage on other purchases
Bilt's transfer partners are strong but the program is young and could change terms