Bilt Card 2.0 Is Here!
Bilt revealed today its three new credit cards, powered in partnership with Cardless, Fidem Financial and Column N.A.
The details mostly match what we already knew from previous leaks, but there is some new information as well.
Every new cardholder receives a 10.00% introductory APR on new eligible purchases for 12 months across all three cards, subject to terms and credit approval.
There’s also an option to still pay rent or mortgage with no fee, but it will not earn points. If you want to earn 1X on those payments, you have to cover the 3% fee with Bilt Cash. Let’s take a look at the cards.
About Bilt Card 2.0
You don’t need a Bilt Card to be a Bilt Member. But for those who want to get the most out of the ecosystem, here’s what you need to know about Bilt Card 2.0:
- Earn 4% back in Bilt Cash: Bilt has the only cards that earn both points and 4% back in Bilt Cash on everyday spend. Bilt Cash is a new rewards currency. You can spend it on monthly credits on restaurants, hotels, rideshare and more – or use it to unlock access to housing rewards, transfer bonuses, and more.
- Pay rent and mortgage: Bilt Cardholders may choose between two payment options when paying rent or mortgage through the Bilt app or website: Max Points or No Transaction Fees. You may select and change your payment option in the Bilt app or website.
- No transaction fee: Pay your rent or mortgage with no transaction fee. You may redeem Bilt Cash to unlock Bilt Points on your payment: every $3 of Bilt Cash unlocks 100 Bilt Points, up to a maximum of 1 Point per $1 of your payment amount. You choose how much Bilt Cash to redeem each payment.
- Max Points: Earn 1 Point per $1 on your rent or mortgage payment. A 3% transaction fee applies. Bilt Cash in your account is automatically applied to cover the transaction fee, though you may adjust this in the Bilt app. Any portion of the fee not covered by Bilt Cash is your responsibility.
New Cards
All three Bilt Cards earn points, earn 4% back in Bilt Cash on everyday spend, and let you pay rent and mortgage with no transaction fee through Bilt. And every card gives you a 10% introductory APR on new eligible purchases for the first year.
Bilt Palladium Card
- Bonus: First-ever, limited-time 50,000-point sign-up bonus + Gold Status (after qualifying spend) and $300 in Bilt Cash on account opening
- Annual Fee: $495
- 2X points on everyday spend
- 4% back in Bilt Cash on everyday spend
- $600 in annual credits ($400 Bilt Travel Hotel credits + $200 in Bilt Cash)
- Additional premium benefits, including Priority Pass access, purchase protection, no foreign transaction fees†, authorized users and more
Bilt Obsidian Card
- Bonus: $200 in Bilt Cash on account opening
- Annual Fee: $95
- 3X points on dining or grocery (grocery up to $25K/year), 2X on travel, 1X on all other everyday spend
- 4% back in Bilt Cash on everyday spend
- $100 in annual Bilt Travel Hotel credits
- Trip Delay Insurance, no foreign transaction fees, and more
Bilt Blue Card
- Bonus: $100 in Bilt Cash on account opening
- No Annual Fee
- 1X points on everyday spend
- 4% back in Bilt Cash on everyday spend
- Earn both Bilt Points and Bilt Cash with no annual fee and no foreign transaction fees
Welcome bonuses are available only to those who do not currently hold a Bilt Card 2.0 issued by Column N.A., Member FDIC, have not previously held a Bilt Card 2.0 issued by Column N.A., Member FDIC and have not received a Bilt Card 2.0 issued by Column N.A., Member FDIC welcome bonus in the past.
TPG has an exclusive offer with an extra “5 points per dollar spent on all purchases for the first five days of card membership (up to 50,000 bonus points)” if you apply through their link.
Everyday Spend Unlocks Housing Rewards
The more you use your Bilt Card, the more Bilt Cash you can earn to use to unlock points on housing payments.
For every $30 in Bilt Cash earned, you can unlock 1,000 Bilt Points when you make rent or mortgage payments, across multiple homes. For example, if your rent is $2,000 and you have $60 of Bilt Cash, you can convert your Bilt Cash into 2,000 points on that payment.
You earn Bilt Cash from everyday spend and choose how to use it, whether to unlock points on housing payments, transfer bonuses, and exclusive experiences, or to spend dollar-for-dollar on monthly credits at restaurants, hotels, rideshare, and more.
Seamless Transition for Existing Members
Current Bilt cardholders can select one of the three new cards by January 30, 2026 to ensure a seamless transition.
- Keep your same card number.
- Automatic updates to Apple Pay and Google Pay.
- Upgrade with no hard credit inquiry (but will still show as a new account)
- New card arrives by February 6 for immediate use on February 7.
