Bilt Blue Card

The Bilt Blue Card is Bilt's no-annual-fee credit card. The $0/yr annual fee includes a $100 cash welcome bonus. Beyond the welcome bonus, here's what the card actually delivers.

Rewards

• 1.25x (≈2.3% effective at 1.8¢/pt) on rent
• 4x (≈7.2% effective at 1.8¢/pt) on dining
• 3x (≈5.4% effective at 1.8¢/pt) on hotels
• 2x (≈3.6% effective at 1.8¢/pt) on flights
• 3x (≈5.4% effective at 1.8¢/pt) on transit
• 1x (≈1.8% effective at 1.8¢/pt) on everything

What the $0/yr fee is buying

Welcome bonus value (year one): ~$100. Annual statement credits: $0. Minus the $0 annual fee = ~$100 in year-one net value before any spending earn. RewardsGuru rating: 4.6/5 — based on our net-value methodology.

Who it's for, who should skip

Best fit: someone building a long-term card portfolio without ongoing cost — the card stays open forever, padding average account age. Skip if: you want premium perks (lounge access, large statement credits, elite status); this card has none.

Frequently asked questions

What's the Bilt Blue Card welcome bonus?

$100 cash back after spending $0 in the first 3 months.

Is the Bilt Blue Card worth the $0 annual fee?

Yes — there's no annual fee. The card stays open at zero ongoing cost, which makes it a good long-term hold for credit-history length.

Does the Bilt Blue Card have foreign transaction fees?

Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Bilt's product page has the current rate.

More on this card

• Apply on Bilt's site →
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