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Bilt Blue Card: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 55.9% across 78 cards. Issuer page ↗

Downsides first

• APR up to 34.74% if you carry a balance
• Rent earns 'up to 1.25x' with no fee; Bilt dining/travel network bonuses not modeled.

Terms & fees

• IssuerBilt (Cardless)
• Typeno annual fee
• Annual fee$0 bilt.com, 2026-10-11
• Regular purchase APR26.74%–34.74% variable bilt.com, 2026-10-11
• RewardsUp to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction fee bilt.com, 2026-10-11
• Sign-up bonus (≈$)$100 $100 of Bilt Cash bilt.com, 2026-10-11
• Intro APRnot found
• Foreign transaction feenone bilt.com, 2026-10-11
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needednot found
• Grace periodnot found
• Cash advance APRnot found

Complaint record (CFPB)

• Complaints, last 12 months635
• Trend▲ 1121.2% (last 12 mo 635 vs prior 12 mo 52)
• Timely response (last 36 mo)80.8%
• Top issueProblem with a purchase shown on your statement
• Insurance statusNot an FDIC/NCUA-insured institution itself (Bilt card issued by Cardless/partner bank; CFPB entry is Bilt Technologies.)

Company-level (Bilt Technologies, Inc.), all products, as of 2026-10-12. Bilt complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 5.5/10Base 1% on everything, top category 4% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. Up to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction fee
• Sign-up bonus 1.3/10Bonus ≈ $100: $100 of Bilt Cash (as of 2026-10-11). Score = value/$75, max 10.
• Intro 0% APR n/a/10not found — unknown, scored 0.0/10 (lower of neutral 5 and comparison median)
• Regular APR 2.3/1026.74%–34.74% variable (as of 2026-10-11); midpoint 30.74%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2026-10-11).
• Regulatory record (CFPB) 10.0/10Issuer Bilt (Cardless): Base 10, no actions in last 5 yrs found. Note: CFPB enforcement search for 'Bilt' and 'Cardless' (issuer): no results

0.143×10.0 + 0.143×5.5 + 0.143×1.3 + 0.143×0.0* + 0.143×2.3 + 0.143×10.0 + 0.143×10.0 = 5.59 → 55.9% (* unknown, imputed)

Is Bilt Blue Card worth it? (break-even math) →Value for my spending →

Compare with

Bilt Blue Card vs Wells Fargo Autograph · Bilt Blue Card vs Capital One VentureOne · Bilt Blue Card vs Capital One Platinum · Bilt Blue Card vs Hilton Honors Amex · Bilt Blue Card vs U.S. Bank Altitude Go · Bilt Blue Card vs Credit One Platinum Visa

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Bilt Blue Card annual fee?

$0

What is the Bilt Blue Card APR?

26.74%–34.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.