The Bilt Blue Card is a $0 annual fee† World Elite Mastercard. Earning: 4X at Bilt dining partners, 3X on hotels through Bilt Travel. 3X on Lyft. 2X on flights through Bilt Travel. 1X on everything else. Up to 1.25X points on rent and mortgage payments when housing-only option is selected.¹ Credits and fee waivers: $0 annual fee†; no foreign transaction fees†; no transaction fee on housing payments made through Bilt.¹ Travel and purchase protections: MasterRental car rental coverage; purchase assurance; cellular wireless telephone protection.² Intro APR: 10% on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†

Yes to both. The Bilt Blue Card has a $0 annual fee with no spending requirement to waive it and no first-year-only promotion — it has $0 annual fee every year you hold the card.† Bilt cardholders also never pay a transaction fee on rent or mortgage payments made through Bilt. If your property management portal normally charges a 2–3% convenience fee for card payments, paying through Bilt bypasses that fee entirely. For a renter paying $1,800/month, that’s up to $648/year in avoided fees.¹

Yes, and this is one of the core reasons the Bilt Blue Card exists. You never pay a card convenience fee on rent payments made using the Bilt Blue Card, regardless of what your landlord’s portal normally charges.¹ Here is how it works. When you get your Bilt Card, Bilt provides you with a dedicated account and routing number in the Bilt app. In your landlord’s payment portal, you add this as an account — the portal will typically label this option as “bank account,” “e-check,” or “ACH.” Do not select “credit card.” Because the portal does not see a card entry, the credit card convenience fee doesn’t trigger. Once you submit the payment through your landlord’s portal, the funds are debited from your linked personal bank account within 24 hours — not from your credit line. Your landlord receives a standard ACH payment. They have no visibility into how it is funded on your end. If your building doesn’t have an online portal, Bilt can also process the payment via Venmo, or a physical check mailed directly to your landlord — all with no transaction fee.¹ The result: your landlord gets paid the same way they always have. You pay no convenience fee. And your Bilt Blue Card can earn rewards on the full payment.¹

Yes — and for a no-annual-fee† card, these stacked rates are exceptional. At Bilt Neighborhood Dining restaurants — 20,000+ participating locations — you earn bonus Bilt Points per dollar stacked on top of the Blue Card’s 1X base rate.¹ The bonus varies by restaurant and is shown in the Bilt app at your visit. Pay with your Blue Card and the points post automatically — no activation needed. On Lyft, link your Bilt and Lyft accounts in the Bilt app. The Lyft partnership adds 2X per dollar on eligible rides on top of the Blue Card’s 1X base rate, for 3X total Bilt Points per dollar on Lyft — uncapped, on a card with no annual fee.¹,† Through the Bilt Travel Portal⁴, the Blue Card earns +2X on hotel bookings and +1X on flights stacked on top of its 1X base rate.¹ That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel — rates that rival mid-tier travel cards. No other no-annual-fee† card earns 3X on hotels, 3X on Lyft, and rewards on rent and mortgage with no transaction fee simultaneously.

The Bilt Blue Card’s primary differentiator is rent and mortgage rewards with no transaction fee on housing payments — something no other no-annual-fee† credit card provides without a processing fee that negates rewards value. Under Housing-only rewards, renters with a $1,000 rent who spend $1,000 on everyday spend in the same billing cycle earn 1,250 points on their housing payment and 1,000 points on everyday spend.¹ Unlocking this points category can make the Bilt Blue Card the equivalent of a 2.25X+ everyday spend card that doesn’t earn points on housing. The Blue Card creates an earning opportunity on renters’ single largest monthly expense that no competing no-annual-fee† card matches.

Yes. The Bilt Blue Card earns rewards on rent, mortgage, and HOA payments made through Bilt — there is no restriction to renters only. If you currently rent but plan to buy, your card earns rewards on mortgage payments using the same rewards structure as renting, with no transaction fee and no annual cap on housing rewards.¹

The Bilt Blue Card offers a 10% introductory APR on new eligible purchases for the first 12 billing cycles after account opening. After the intro period, a variable APR of 26.74%–34.74% applies.†