Bilt credit cards
3 Bilt cards: our reviews of the ones worth a look, how Bilt points work and Bilt’s application rules.
By Quy Dinh · Updated Oct 24, 2026
Bilt’s cards are built around paying rent or a mortgage: you pay through Bilt with no fee and earn points on it. Since February 2026 the cards are issued by Column N.A. and serviced by Cardless, and there are three: Blue, Obsidian and Palladium.
Our picks
For renters and homeowners who’ll run most of their spending through one card: 2x on everything, points on rent or mortgage, Priority Pass and $400 in hotel credits for $495.
A $95 card for renters who eat out or cook a lot: 3x on dining or groceries, points on rent with no fee, and Bilt’s transfer partners.
How Bilt points work
Bilt doesn’t state a fixed value per point. Points on rent depend on what else you spend on the card each billing cycle (up to 1.25x), or you can choose Bilt Cash instead. Points transfer to Bilt’s airline and hotel partners, including United, Alaska, Air Canada and World of Hyatt (4:3 from January 1, 2027).
Compare
All 3 Bilt cards
Personal · 3
Questions people ask
How do I earn points on rent?
Pay rent or your mortgage through the Bilt app or website, with no card fee. With the default option you earn 0.5x to 1.25x depending on how much else you spent on the card that billing cycle, or 250 points if it’s under a quarter of the payment.
Can I get more than one Bilt welcome bonus?
Bilt says welcome bonuses are only for people who don’t have and haven’t had a Bilt Card 2.0 and haven’t received a Bilt Card 2.0 bonus before, so it’s one per person across the three cards.
Have Bilt cards?
Add them to Premium Finance, our free app. It lists every credit with a checkbox and reminds you before each one expires.