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Bilt Mastercard
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Card facts · each item checked separately against the issuer
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.
| Annual fee | Verify current terms with issuer |
|---|---|
| Welcome offer | Check Current Offer |
| Rewards | Verify current terms with issuer |
| Lounge access | Verify current terms with issuer |
| Foreign transaction fee | None Checked Nov 11, 2026 · source |
| Travel protections | Verify current terms with issuer |
| Transfer partners | Verify current terms with issuer |
| Authorized users | Verify current terms with issuer |
Flying Frugal's take · editorial opinion
The only mainstream way to earn transferable points on rent, which for most renters is the largest line in the budget. It requires meeting the program's monthly usage conditions to earn on rent, so read the terms. As a general spending card it is unremarkable; as a rent card it is unique.
Who should get it: Renters building a transferable points balance.
Alternatives worth comparing
- American Express Platinum
Annual fee $895 · Lounge access and premium travel credits
- American Express Gold
Annual fee $325 · Earning transferable points on food spending
- Chase Sapphire Reserve
Annual fee $795 · Travel protections and flexible points