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Bilt Card Reserve

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Intro Offer

Welcome bonus terms pending. [VERIFY against Bilt 2.0 announcement]

Annual Fee

$495

Recommended Credit

670–850

Good - Excellent
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Rewards & Earn Rates

[VERIFY]

Travel

[VERIFY]

Dining

[VERIFY]

Grocery

[VERIFY]

Gas

[VERIFY]

Other

Included [VERIFY]

TSA Pre✓

Bilt 2.0 earn rates pending verification against the Cardless launch announcement. Original Bilt Mastercard structure (1x rent without transaction fee up to 100k points/year, 3x dining, 2x travel, 1x other) likely carried forward with tier-specific elevation on mid + reserve.

Why We Choose It

The Bilt Card 2.0 lineup transitions Bilt Rewards from Wells Fargo to Cardless. Renters who held the original Bilt Mastercard should expect a familiar product structure with this tier slotting in at $495 annual fee. Detailed earn rates, benefits, and welcome bonus pending the official Bilt 2.0 announcement. [VERIFY all data against Bilt and Cardless press releases before final publishing.]

More About the Bilt Card Reserve

The $495 annual-fee premium tier of the Bilt Card 2.0 lineup. Issued by Cardless (backed by Column Bank). Premium travel benefits expected (lounge access, statement credits) but not yet officially detailed. [VERIFY official launch name, exact benefits, earn rates, and welcome bonus.]

Pros & Cons

Pros

  • Successor lineup to the original Bilt Mastercard (Wells Fargo-issued, closed to new applicants Nov 5, 2025).
  • Continues the Bilt Rewards points-on-rent program — the only meaningful no-fee path to earning transferable points on rent. [VERIFY for this tier specifically]
  • New issuer (Cardless, backed by Column Bank) — modern card platform with strong app-first UX.

Cons

  • Card details pending official Bilt 2.0 launch announcement reconciliation.
  • Affiliate program transition still in progress — TPP cannot yet earn commission on signups.
  • $495 annual fee — value depends on benefits not yet detailed.

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