If you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
Bilt Blue Card
The only no-annual-fee card that earns points on rent and mortgage payments with no transaction fee. Choose between Bilt Points or 4% Bilt Cash on everyday spending, with transfer partners across airlines and hotels.
The Card That Makes Rent Work for You
If you’re paying rent or a mortgage, you’re already spending thousands of dollars a year without earning anything back. The Bilt Blue Card turns those payments into transferable points with no transaction fee and no annual fee. That alone makes it worth having in your wallet.
What makes Bilt special is the transfer partner list. Your points can move to programs like United, Hyatt, Air Canada, and more. That means your rent payments can eventually turn into business class flights or free hotel stays. For a $0 card, that’s a pretty incredible deal. The Blue is the entry point to the Bilt ecosystem, and for anyone who’s been paying rent with nothing to show for it, this is a no-brainer first step.
Earn on Rent & Mortgage
The only card that lets you earn points on housing payments with no transaction fee. Works with virtually any landlord or mortgage servicer.
No Foreign Transaction Fees
Use your card abroad without any additional fees on international purchases.
Cellular Wireless Telephone Protection
Cellular Wireless Telephone Protection when you pay your monthly cellular wireless telephone bill with your Bilt Blue Card. (See Guide to Benefits)
Purchase Assurance
Purchase Assurance for eligible new purchases against damage or theft. (See Guide to Benefits)
MasterRental Coverage
MasterRental Coverage when you rent a vehicle and decline the rental company’s collision/damage waiver. (See Guide to Benefits)
Neighborhood Benefits
Earn additional points at over 50,000 merchants in the Bilt Neighborhood network, including fitness, dining, and more.
Maximum benefit amounts, restrictions, and limitations apply. See Guide to Benefits for details.
| Annual Fee | $0 |
| Welcome Offer | $100 of Bilt Cash when you apply and get approved |
| Purchase APR | 26.74% – 34.74% variable |
| Balance Transfer APR | 26.74% – 34.74% variable |
| Balance Transfer Fee | Greater of 5% or $5 |
| Cash Advance Fee | Greater of 5% or $5 |
| Cash Advance APR | 31.74% – 34.74% variable |
| Foreign Transaction Fee | $0 |
| Recommended Credit | Good to Excellent |
| Network | Mastercard |
| Reward Type | Bilt Points (transferable to airline and hotel partners) or Bilt Cash |
Start Earning on Your Rent
Turn your biggest monthly expense into transferable points. No annual fee, no transaction fee on housing payments.
Learn how to applyIf you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
This is not a guarantee of credit. All offers are subject to eligibility and approval. 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. Mastercard is a registered trademark of Mastercard International Incorporated. Up to $100 of Bilt Cash earned rolls over to the next year; any remaining balance expires at the end of each calendar year. Rates & Fees | Offer Terms | Guide to Benefits