Cardless · Mastercard
Bilt Blue Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Rent | 1x | uncapped |
| Everything else | 1x | uncapped |
Non-cash perks
- Bilt 2.0: card program moved from Wells Fargo to Cardless (issued by Column N.A.) on Feb 7, 2026; the old Wells Fargo Bilt Mastercard no longer works
- $100 Bilt Cash welcome bonus on approval, no minimum spend (per Bilt card offer terms)
- Also earns points on mortgage payments with no fee
- Bilt points transfer 1:1 to airline and hotel partners
- No foreign transaction fees
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Bilt Blue Card vs Blue Cash Everyday Card from American Express — which earns more?
- Bilt Blue Card vs Capital One Quicksilver — which earns more?
- Bilt Blue Card vs Capital One Savor — which earns more?
- Bilt Blue Card vs Chase Ink Business Cash — which earns more?
- Bilt Blue Card vs Chase Freedom Flex — which earns more?
- Bilt Blue Card vs Chase Freedom Unlimited — which earns more?
- Bilt Blue Card vs Chase Sapphire Preferred vs Capital One Venture Rewards — all three side by side
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.bilt.com. Spot an error? Tell us.