Card economics
Bilt Blue
Annual fee
No annual fee
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Bilt Travel - Hotels | 3xPortal only |
| Bilt Travel - Flights | 2xPortal only |
| Everything else | 1xBase rate |
Transfer partners: Bilt Rewards
Special rules
Rent Payments
This card can earn rewards on rent payments (via Bilt). Most cards earn 0 on rent due to processing fees.
Tiered Rent Earning
Rent earn rate depends on how much non-rent spend you put on this card. 25%+ non-rent ratio → 0.5x rent, 50%+ non-rent ratio → 0.75x rent, 75%+ non-rent ratio → 1x rent, 100%+ non-rent ratio → 1.25x rent. Below 25%: 250 pts/month baseline.
Mutual Exclusion
This card is part of the "bilt_cards" group — you can only use one card from this group in your setup.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Bilt Blue might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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