Cardless
Bilt Blue Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $100 of Bilt Cash |
| Rewards Rate | 1x-4% points or cash back |
| Intro APR | 10% intro APR on new eligible purchases for 12 billing cycles after account opening across all 3 cards. |
| Regular APR | After the intro period, a variable APR of 26.74% – 34.74% will apply. |
| Network | Mastercard |
About this card
The Bilt Blue Card presents a mixed bag of features, resulting in a 'Fair' overall rating. Its strengths lie in the absence of an annual fee and foreign transaction fees, which are significant benefits for many users. The introductory APR is also a plus. However, the extremely high regular APR (26.74% - 34.74%) is a major drawback, negating much of the value from the rewards program unless the balance is paid in full each month. The rewards rate, while decent, isn't exceptional enough to offset the potential cost of carrying a balance. The target audience seems to be renters with good credit, but the high APR could be problematic for those who sometimes carry a balance. Compared to the Bilt Mastercard issued by Wells Fargo, this card offers far less value.
Pros & Cons
What's great
- Generous sign-up bonus
- Intro APR period
- No annual fee
- No foreign transaction fees
- Additional cardholder perks
- Rewards on purchases
Things to consider
- High regular APR
What this card offers
Sign-up bonuses
- $100 of Bilt Cash when you apply and get approved, credited upon account opening
Rewards
- 1X points on everyday spend
- 4% back in Bilt Cash on everyday spend
- Up to 1X points on housing
- Up to 1.25X points on housing
Other features
- Cardholder exclusive — No transaction fees on housing payments
- No foreign transaction fees
- Cellular Wireless Telephone Protection
- Stack rewards with Neighborhood Benefits
- Stainless steel cards
- Add authorized users
- Check out instantly with tap to pay
- Fast track to Bilt Elite Status
- MasterRental Collision Damage Waiver
- Purchase Assurance
- MasterRental Coverage
Additional Notes
Cardless Inc. is the servicer of the Bilt Cards. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.