Cardless · Mastercard
Bilt Blue Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| 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?
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 Citi Double Cash® Card — which earns more?
- Bilt Blue Card vs Discover it Cash Back — which earns more?
- Bilt Blue Card vs Chase Sapphire Preferred vs Capital One Venture Rewards — all three side by side
◆
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.