Earn rates, as stated
4XHotels through Bilt Travel
3Xup toDining or grocery (choose one; grocery capped at $25k/yr; up to 6X at Bilt dining partners)
3XFlights through Bilt Travel
2XOther travel
1.25Xup toRent/mortgage/HOA paymentsIssuer wording: up to 1.25X
Credits, as stated
$100 / yr if fully usedBilt Travel Hotel creditPage states a 2-night minimum stay applies.$100 annual, issued as two $50 statement creditssemi-annual ($50 for Jan–Jun, $50 for Jul–Dec)
Welcome offer, as stated by the issuer
$200 in Bilt Cash upon approval — no spend requiredas of 2026-08-29
- biltrewards.com redirects to bilt.com (301); both are treated as the issuer's own domain.
- Overview page (/card) additionally states a general '4% back in Bilt Cash on everyday spend' and a separate '$200 in Bilt Cash on account opening' credit not fully reconciled with the tier page's single welcome-offer statement; both mentioned here for completeness.
- transferPartners set to true based on Bilt Rewards program transfer-partner functionality referenced across Bilt's site.
- Issuer/network confirmed via the /card overview fetch (Column N.A., Member FDIC; Mastercard licensing reference) and the /card/obsidian tier page ('World Elite Mastercard').