Bilt's card lineup has changed. The issuer page now lists Bilt Blue ($0), Bilt Obsidian ($95) and Bilt Palladium ($495), issued with Cardless. Our review covers the previous Bilt Mastercard, so check Bilt's page for the current cards.
The issuer page we checked showed two different bonus offers (up to 60,000 miles and 70,000 miles after $3,000), so we don't show either. Check the current offer with Chase. Card benefits listed by the issuer include a free first checked bag, 2 United Club one-time passes per year and priority boarding (terms apply).
Annual fee
$150
$0 intro annual fee for the first year, then $150.
Six questions. Recommendations follow published rules and checked fees, never commissions.
Is the annual fee worth it?
Issuer rates: 4X points at restaurants worldwide (annual cap applies); 4X points at U.S. supermarkets (annual cap applies); 3X points on flights booked directly or through Amex Travel; 1X on other purchases
Your own estimate; redemption values vary.
≈ 20,000 points/miles × 1¢ = $200 in estimated rewards
Estimated net value: −$125/yr
An estimate from your own inputs, not guaranteed savings. Point values, credit conditions and earning caps vary; check issuer terms.
How we compare cards
Each fee, rewards rate, benefit and welcome offer is checked separately against the issuer's own product page, with the date shown.
Welcome offers are shown only for 7 days after a check. After that they switch to "Check Current Offer" until an editor rechecks them.
Featured order and quiz picks follow editorial rules. We have no issuer affiliate partnerships, and links go straight to issuers.
Card artwork appears only when documented authorization is available; otherwise we show a neutral text tile.
Credit approval, APR, welcome-bonus eligibility and all card terms are set by the issuer. Flying Frugal is not a lender and no issuer endorses Flying Frugal. Rankings and recommendations are editorial and are not influenced by compensation.
Each fee and benefit shows the date we checked it against the issuer's site. When we could not confirm a detail, we say "Verify current terms with issuer". Welcome offers change often and are not shown until checked. Spot an error? See our corrections policy.