Bilt Blue Card is the no-annual-fee entry-level card in the Bilt Card 2.0 lineup. It is designed for users who want to earn Bilt Points through eligible Housing Payments, including rent and mortgage payments, without paying an annual fee.
The Bilt Blue Card earns 1X Bilt Points on everyday purchases and regular dining, 2X on flights booked through Bilt Travel, 3X on hotels booked through Bilt Travel, and 3X on Lyft.
The card’s main advantage is access to Bilt Housing Rewards with a US$0 annual fee, while Bilt Points can also be transferred to participating airline and hotel loyalty programs.
👉 Apply for the Bilt Blue Card
Bilt Blue Card Benefits
| Benefit | Bilt Blue Card |
|---|---|
| Annual Fee | US$0 |
| Rewards | Bilt Points |
| Everyday Spend | 1X Bilt Points |
| Dining | 1X Bilt Points |
| Bilt Travel – Flights | 2X Bilt Points |
| Bilt Travel – Hotels | 3X Bilt Points |
| Lyft | 3X Bilt Points |
| Neighborhood Dining | Earn additional Bilt Points at participating restaurants |
| Housing-only Rewards | Up to 1.25X on eligible Housing Payments |
| Flexible Bilt Cash | 4% Bilt Cash on eligible everyday spending; available to qualifying pre-2027 cardholders who retain the legacy mode |
| Housing Payment Transaction Fee | US$0 on eligible Bilt Housing Payments |
| Foreign Transaction Fee | 0% |
| Transfer Partners | Bilt Airline / Hotel Transfer Partners |
| Core Role | No-annual-fee Housing Rewards entry card |
Regular dining purchases do not receive a separate bonus category on the Bilt Blue Card and earn 1X Bilt Points. Neighborhood Dining is a separate Bilt program that can provide additional Bilt Points at participating restaurants.
Is the Bilt Blue Card Worth It?
The biggest advantage of the Bilt Blue Card is access to Bilt Card 2.0 Housing Rewards with no annual fee.
Cardholders with eligible rent or mortgage expenses can make Housing Payments through Bilt without paying a Bilt Housing Payment transaction fee.
There are two Housing Rewards options:
🏠 Housing Rewards: What Changes in 2027?
Under the current Bilt Card 2.0 program, cardholders can choose between Housing-only Rewards and Flexible Bilt Cash.
However, Bilt announced major changes on October 27, 2026.
For card accounts opened on or after January 1, 2027, Housing-only Rewards will be the standard earning structure.
Eligible rent and mortgage payments can earn up to 1.25X Bilt Points, depending on the ratio of non-housing card spending to housing payments during each billing cycle.
The existing Housing-only Rewards earning brackets remain unchanged.
💳 What Happens to Flexible Bilt Cash?
The existing Flexible Bilt Cash option allows eligible everyday purchases to earn:
1X Bilt Points + 4% Bilt Cash
Bilt Cash can then be redeemed to unlock points on eligible housing payments, up to 1X.
This option will no longer be available to card accounts opened on or after January 1, 2027.
Existing cardholders who opened their accounts before 2027 can retain Flexible Bilt Cash by opting out of the refreshed benefits before their first card account anniversary in 2027.
Cardholders who opt out cannot continue switching between Flexible Bilt Cash and Housing-only Rewards. However, they can choose to move to the refreshed benefits later.
⏳ Bilt Cash Expiration Changes
Effective October 27, 2026, Bilt Cash expires at the end of the month, 12 months after it is earned.
The previous year-end expiration and rollover limits no longer apply, including to previously earned Bilt Cash.
For example, Bilt Cash earned in October 2026 expires on October 31, 2027.
For a complete explanation of Housing Rewards, Bilt Cash redemption rules, Rent Day, and transfer partners, see the Bilt Rewards Complete Guide.
Historical Welcome Offers
| Date | Public Welcome Offer | Minimum Spend |
|---|---|---|
| 2026 – Present | No Public Welcome Offer | — |
Public offers only. Targeted, referral, mail, and other personalized offers are excluded.
👉 Apply for the Bilt Blue Card
Bilt Card 2.0 Comparison
Bilt Card 2.0 currently includes three credit cards:
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Bilt Blue Card | US$0 | Entry-level Housing Rewards | 0% |
| Bilt Obsidian Card | US$95 | Dining / Grocery + Travel | 0% |
| Bilt Palladium Card | US$495 | Premium Bilt Rewards | 0% |
Bilt Blue Card is the best starting point for users who want access to Bilt Housing Rewards without an annual fee. Bilt Obsidian Card is positioned toward Dining, Grocery, and Travel Rewards, while Bilt Palladium Card targets users looking for premium Bilt Rewards benefits.
Bilt Card Application Rules & Restrictions
Bilt Card 2.0 cards are issued by Column N.A., Member FDIC, with Cardless providing card servicing.
Key application considerations include:
- Bilt does not publish a fixed minimum Credit Score.
- Approval may consider Credit History, Income, Existing Debt, and other credit information.
- Applicants can check whether they are approved without affecting their Credit Score.
- An application entering Manual Review does not necessarily mean it has been declined.
- If declined, applicants may reapply after 45 days under Bilt’s current rules.
- Bilt Card 2.0 no longer has the old 5 Transactions Requirement.
Bilt does not publish a simple application rule comparable to Chase 5/24. Eligibility and approval remain subject to Bilt’s current terms and underwriting criteria.
Can Foreign Applicants Apply for the Bilt Blue Card?
The Bilt Blue Card is a U.S. credit card, and applicants must meet the issuer’s identity and credit underwriting requirements.
Approval may consider factors including U.S. Credit History, Income, and Existing Debt, and Bilt does not publish a minimum Credit Score that guarantees approval.
Foreign applicants who have not yet established U.S. credit history can consider starting with American Express Global Transfer, using an existing eligible American Express relationship outside the U.S. to apply for a U.S. Amex card and begin building U.S. credit history.
A practical path is:
American Express Global Transfer → U.S. Amex → Build 6–12 Months of U.S. Credit History → Bilt Blue Card
For foreign applicants, the Bilt Blue Card is therefore generally better considered after establishing some U.S. credit history rather than as a first U.S. credit card.
