Turn your biggest monthly expense into your next vacation. Earn the most valuable points on any personal mortgage payment with the Bilt Card, all with no transaction fee.
Earn points on every dollar of your mortgage, with no annual cap
Works with your existing mortgage, no matter who services it.
Earn up to 1.25X points on mortgage payments
The more you use your card for everyday purchases, the more you earn on housing.
No transaction fees when you use the Bilt Cards
If your mortgage is $2,000, you’ll pay $2,000 using your Bilt Card.
Earn points no matter who your mortgage servicer is
Link your servicer directly, send checks, or pay with a Bilt account and routing number.
The best everyday cards that earn points on rent and mortgage with no transaction fee
Bilt Blue Card
No annual fee card
$0 annual fee†
Sign-up bonus
$100 of Bilt Cash
Spend across the Bilt ecosystem. Learn more
Featured point earnings
Bilt partner restaurants
4X
Hotels & travel
3X
Everyday purchases
1X
Featured benefits
No transaction fees on housing payments
No foreign transaction fees
Apply now
Bilt Obsidian Card
For dining or grocery maximizers
$95 annual fee†
Sign-up bonus
$200 of Bilt Cash
Spend across the Bilt ecosystem. Learn more
Featured point earnings
Bilt partner restaurants
6X
Hotels & travel
4X
Dining or grocery
3X
Featured benefits
No transaction fees on housing payments
No foreign transaction fees
Apply now
Bilt Palladium Card
Our most rewarding premium card
$495 annual fee†
Sign-up bonus
50,000 points + Gold Status
Spend across the Bilt ecosystem. Learn more
Featured point earnings
Bilt partner restaurants
5X
Hotels & travel
4X
Lyft & everyday
2X
Featured benefits
No transaction fees on housing payments
No foreign transaction fees
Apply now
Get a limited edition mirror card design with the Bilt Obsidian or Palladium Card
Earn the industry's move valuable points. Redeem them
Compare Bilt Card benefits
Bilt Blue Card
No annual fee card†
Bilt Obsidian Card
For dining or grocery maximizers
Bilt Palladium Card
The card with the most built-in value
Welcome Bonus¹
$100 of Bilt Cash
when you apply and get approved
$200 of Bilt Cash
when you apply and get approved
$300 of Bilt Cash
when you apply and get approved
50,000 Bilt Points + Gold Status
after spending $4,000 on everyday purchases in the first 3 months
Bilt Cash¹
4% back in Bilt Cash on purchases excluding rent and mortgage
4% back in Bilt Cash on purchases excluding rent and mortgage
4% back in Bilt Cash on purchases excluding rent and mortgage
Bilt Points¹
1X points on rent and mortgage
1X points on all spend
1X points on rent and mortgage
3X points on dining or grocery
Select this category annually
2X points on travel
1X points on everyday spend
1X points on rent and mortgage
2X points on everyday spend
Bilt Neighborhood Partners¹
3X+ points at partner restaurants
3X+ points at partner fitness studios
3X points on Lyft rides
once you've linked your Bilt and Lyft accounts
2X+ points at Walgreens
5X+ points at partner restaurants
when dining is your selected 3X points category
3X+ points at partner fitness studios
3X points on Lyft rides
once you've linked your Bilt and Lyft accounts
2X+ points at Walgreens
4X+ points at partner restaurants
4X+ points at partner fitness studios
4X points on Lyft rides
once you've linked your Bilt and Lyft accounts
3X+ points at Walgreens
Annual Credits¹
$100 Bilt Travel Hotel credit
Awarded twice a year, as $50, to be used every six months.
$200 of Bilt Cash
$400 Bilt Travel Hotel credit
Awarded twice a year, as $200, to be used every six months.
Additional Benefits2
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Priority Pass (worth $469/year)
Cellular Wireless Telephone Protection
Purchase Assurance
MasterRental Coverage
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Baggage Delay Insurance
Lost or Damaged Luggage Insurance
Price Drop Protection
$0 annual fee†
1Offer Details
2Guide to Benefits
†Rates & Fees
Select card
$95 annual fee†
1Offer Details
2Guide to Benefits
†Rates & Fees
Select card
$495 annual fee†
1Offer Details
2Guide to Benefits
†Rates & Fees
Select card