Earn rates, as stated
4Xup toDining at Bilt partnersIssuer wording: up to 4X
3XHotels through Bilt Travel
3XLyft
2XFlights through Bilt Travel
1XEverything else
1.25Xup toRent and mortgage payments (housing-only option)Issuer wording: up to 1.25X
Welcome offer, as stated by the issuer
Not shown here — the issuer's public page didn't state one we could read, or it's personalised. Check the issuer directly.
- biltrewards.com redirects to bilt.com (301); both are treated as the issuer's own domain.
- Welcome offer is inconsistent between the two fetched pages: the overview page (/card) states '$100 in Bilt Cash on account opening' for Blue, while the tier-specific page (/card/blue) states a 10% introductory APR for 12 billing cycles and does not mention a Bilt Cash welcome amount. Both are reported in the summary rather than picking one, since neither could be independently confirmed as more authoritative in this pass.
- Overview page also mentions '4% back in Bilt Cash on everyday spend' for Blue in addition to points earn rates; not clear from fetched content how this interacts with the point-based earn rates above, so it is noted here rather than folded into earnRates.
- transferPartners set to true based on general Bilt Rewards program transfer-partner functionality referenced across Bilt's site, though the tier-specific Blue page fetched did not itself enumerate transfer partners.
- Rates & fees / full terms PDF (biltrewards.com/terms/bilt-card-offer-terms) was fetched but returned heavily-encoded PDF content that did not yield readable confirmation of issuer/network/foreign-transaction-fee text directly.
- 2026-08-30 re-read: the page no longer shows the previously stated offer ("$100 in Bilt Cash on account opening (per bilt.com/card overview); the individual Blue card page instead described a 10% introductory APR on new eligible purchases for the first 12 billing cycles and did not restate a Bilt Cash sign-up amount").
- 2026-08-30 re-read: page wording for the up-to-1.25X housing rate says "rent and mortgage payments"; HOA is no longer named on this card's page (Palladium's page still names HOA).