Best Bilt Credit Cards 2026

Compare the best Bilt credit cards. Welcome bonuses, annual fees, rewards rates — ranked from our full Bilt catalog of 3 active cards.

3 Bilt cards we track

• Bilt Palladium Card — 50,000 pt welcome bonus · $495/yr fee · 1.25x rent, 2x everything, 4x hotels (via portal), 3x flights (via portal), 4x transit (on Lyft rides, after linking your Bilt and Lyft accounts), 5x dining (at Bilt partner restaurants (up to 5X; the bonus varies by restaurant))
• Bilt Blue Card — $0/yr fee · 1.25x rent, 1x everything, 3x hotels (via portal), 2x flights (via portal), 3x transit (on Lyft rides, after linking your Bilt and Lyft accounts), 4x dining (at Bilt partner restaurants (up to 4X; the bonus varies by restaurant))
• Bilt Obsidian Card — $95/yr fee · 1.25x rent, 2x travel, 1x everything, 3x flex category (— your choice of dining or grocery; the grocery election is capped at $25,000/year), 4x hotels (via portal), 3x flights (via portal), 3x transit (on Lyft rides, after linking your Bilt and Lyft accounts), 6x dining (at Bilt partner restaurants (up to 6X; the bonus varies by restaurant))

Bilt guides from our editors

• Macy's Is 13% Cash Back on Rakuten Today, and Bilt Turns That Into 1,300 Points per $100
• Southwest Just Cut Points Fares Too: Up to 40% Off Base Fares, Book by September 17
• Rakuten Is Paying 100% Cash Back on Coveron Today, and 110% If You Hold Their Amex: What the Terms Actually Cover
• A No-Annual-Fee Card That Pays Up to $715 Back on $1,000: Rakuten's $400, Bank of America's 25,000 Points, and $50 More If You Are New to Rakuten