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Bilt Blue Card

Bilt Points
Welcome bonus
$100 Bilt Cash
≈ $100 $1 Bilt Cash valued at 100¢ (our assumption)
no spend requirement stated
Annual fee$0 
Value per point~1.9¢median of 6 published valuations
First-year value*$691easy credits counted · $691 with none
Year 2+ value*$591each year after the first, after the fee · $591 with no credits
$0 fee vs $0 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $0 ↓
Worth ~1.9¢/pt, median of 6 published valuations

Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Bilt’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Bilt card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.9¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$0
vs
Stated credits a year$0face value, as Bilt states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

No statement credits are listed on the issuer page.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • other Earn on rent/mortgage with no transaction fee
  • status Faster path to Bilt Elite status

Source: Bilt card page and benefit terms · checked 2026-10-23.

How it earns

  • 3x Travel booked on the card’s own travel site
  • 1x Rent / mortgage paid by card
  • 1x everything else
  • Housing earns “up to 1.25x” depending on everyday spend vs. housing payment; we model 1x (our simplification).
  • 3x hotels via Bilt Travel; 2x flights via Bilt Travel; 3x Lyft when linked.

Offer details

  • $100 Bilt Cash spend requirement not stated
  • $100 Bilt Cash welcome bonus

Annual fee $0. Credits from the issuer page are in Credits & perks above.

Questions about the Bilt Blue Card

What is the Bilt Blue Card welcome bonus?

$100 Bilt Cash spend requirement not stated, about $100 at the median published point value, per Bilt’s card page checked October 23, 2026.

What is the Bilt Blue Card annual fee?

$0, as listed on Bilt’s page on October 23, 2026.

How much are its points worth?

About 1.9¢ each: the median of 6 published valuations (range 1.55–2.2¢), checked October 23, 2026.

What credits does the Bilt Blue Card include?

Bilt’s page lists no statement credits for this card.

Is the Bilt Blue Card worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $691 in the first year and $591 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

Data notes:
  • Bilt Cash welcome-bonus spend requirement was not stated in the comparison table we read.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus + $100 extras$100
A year of earning: 31,100 points × 1.9¢$591
Annual fee−$0
First year / Year 2+$691 / $591

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.