One card, your whole household, more rewards

One card, your whole household, more rewards

Partners, family, and now teens 13 and up. You decide how they spend, where they spend, and who keeps the rewards¹, all from the Bilt app.

Partners, family, and now teens 13 and up. You decide how they spend, where they spend, and who keeps the rewards¹, all from the Bilt app.

Add authorized users

View Bilt Cards

Add authorized users

View Bilt Cards

Partners, family, and now teens 13 and up. You decide how they spend, where they spend, and who keeps the rewards, all from the Bilt app.

The most flexible way to share your Bilt Card

The most flexible way to share your Bilt Card

The most flexible way to share your Bilt Card

Give the people you trust their own Bilt Card, on your terms.

Give the people you trust their own Bilt Card, on your terms.

Give the people you trust their own Bilt Card, on your terms.

Spend together, earn more Bilt Points

Add your family to one account and keep all your spending together. It all earns Bilt Points, ready to use together for travel and everyday expenses.

Rent, mortgage, and everything in between

Keep rent, mortgage, and everyday spending on one account, so you can see and manage it all in one place.

A card for teens, controls for you

Give your teen a real card with guardrails. You set the limits, choose where it works, and see every purchase.

WHAT YOU CONTROL

Their card, your rules

Their card, your rules

Their card, your rules

Decide who you add, how much they spend, where their card works, and who earns the rewards.¹

Decide who you add, how much they spend, where their card works, and who earns the rewards.¹

Separate card numbers

Each authorized user gets their own credit card number.

Make housing payments

Authorized users can make housing payments with their Bilt Card.¹

Route the rewards

Keep the rewards from their spend, or let adult users earn in their own account.

Set spend rules

Set monthly and per-purchase spend caps, and choose where their card works.

Pause spending

Temporarily stop new purchases for any authorized user.

See every transaction

Watch purchases land in real time, with a clear record of where and when.

FOR TEENS 13+

Build good money habits early

Build good money habits early

A teen's first card is a big moment. Teens 13+ get the confidence of using a credit card while parents have control.

You hold the account

You hold the account

Everything runs through your account, so you keep full oversight of their spending from your app.

Choose where they can shop

Decide which merchant types their card works at, so spending stays within the categories you choose.

Full oversight, always

Manage their card, limits, and spending right

from your app, with everything on your account.

Got questions?

Got questions?

Check out our FAQs or chat with our concierge for more support.

Check out our FAQs or chat with our concierge for more support.

View FAQs

Who can I add as an authorized user?

Is there a fee to add an authorized user?

Who is responsible for what authorized users spend?

Does adding an authorized user affect my credit?

What can teens 13+ do with their Bilt Card?

How do rewards work?

Can authorized users make rent payments?

Ready to add someone to your card?

Ready to add someone to your card?

Ready to add someone to your card?

Open the Bilt app to add an authorized user and set their controls before their first purchase.

Add authorized users

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.


  1. Available to authorized users 18 and older who have a Bilt account.