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Bilt Rewards · credit
Last updated
Portal caveat — Bilt Travel averages ~6.5% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Bilt Rewards's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 1.25× | Rent & mortgage (no transaction fee) — Up to 1.25x, subject to a points cap; min. transactions/cycle required Verified by source |
|---|---|
| 1× | Everything else Inferred by source |
Bilt Rewards points transfer to these loyalty programs. All 1:1 (Accor 3:2). Inferred by source
| Airlines (17) | |
|---|---|
| Hotels (6) |
No lounge access.
Using Bilt Card at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of the amount of each cash advance, whichever is greater (Wells Fargo terms) Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable; no grace period Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Bilt Card has no annual fee.
The Bilt Card earns 1.25x on rent & mortgage (no transaction fee), 1x on everything else.
No — the Bilt Card does not include airport lounge access.
No — the Bilt Card has no foreign transaction fee, so it's a good card to use abroad.