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No Annual Fee

Bilt Blue Card

Column N.A.

Intro Offer

$100 in Bilt Cash on account opening

Annual Fee

$0

Recommended Credit

670–850

Good - Excellent
Bilt Blue card image

Rewards & Earn Rates

1X

Travel

1X

Dining

1X

Grocery

1X

Gas

1X

Other

Not Included

TSA Pre✓

1x points on everyday spend, plus 4% back in Bilt Cash on everyday (non-housing) purchases | Unlimited 1x points on rent and mortgage payments, with no transaction fee when paid through Bilt

Why We Choose It

The entry point of the Bilt 2.0 lineup, the no-annual-fee Bilt Blue Card keeps the feature that made Bilt famous: earning rewards on rent and mortgage payments with no transaction fee when you pay through Bilt. Everyday spend earns 1x points plus 4% back in Bilt Cash, and there are no foreign transaction fees. If you rent and want to start earning on your single biggest monthly expense without paying an annual fee, this is the card to start with.

More About the Bilt Blue Card

The no-annual-fee tier of the Bilt 2.0 card lineup that launched in February 2026, replacing the original Wells Fargo-issued Bilt Mastercard (closed to new applicants November 5, 2025). Issued by Column N.A., Member FDIC. Earns 1x points and 4% back in Bilt Cash on everyday spend, plus rewards on rent and mortgage paid through Bilt with no transaction fee.

Pros & Cons

Pros

  • Earns rewards on rent and mortgage payments with no transaction fee when paid through Bilt — the headline Bilt feature, now at no annual fee.
  • No annual fee and no foreign transaction fees.
  • Issued by Column N.A., Member FDIC, on a modern app-first platform; includes World Elite Mastercard benefits and a 10% intro APR on new eligible purchases for 12 months.

Cons

  • Everyday rewards are split between 1x points and 4% Bilt Cash, a Bilt-specific currency that is less flexible than transferable points for non-housing spend.
  • Earning points on rent still requires meeting Bilt's monthly transaction requirement (use the card for everyday purchases to unlock rent points).
  • The Points Party cannot yet earn affiliate commission on Bilt 2.0 signups — the affiliate program does not yet cover the Column-issued cards.

Some links on this page are affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.

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