The New Bilt 2.0 Cards

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For most people, rent or mortgage is their largest monthly expense — and until a few years ago, it was money left on the table when it came to credit card rewards. That changed when Bilt came on the scene, letting you earn points on housing costs. Now Bilt has been revamped, and the offers expanded, with more options, more perks, and some great welcome offers. 

Why these offers stand out

The Bilt Palladium ($495 annual fee) comes with an exceptional welcome bonus: 50,000 points, $300 in Bilt Cash, plus Gold status when you spend $4,000 on purchases (excluding rent/mortgage) in your first 3 months.

Not ready for the premium tier? The Bilt Blue Card (no annual fee) and Bilt Obsidian Card ($95 fee) offer $100 and $200 in platform credit, respectively. See the full card details here.

Earning rates that compete

Bilt Blue:

• No annual fee 

• 4% back in platform credit

• 1X on all purchases

• Up to 1X on rent/mortgage

• $100 in platform credit 

Bilt Obsidian:

• $95 annual fee

• 4% back in platform credit

• 3X points on dining or grocery (up to $25K/year on grocery)

• 2X points on travel

• 1X on all other purchases

• Up to 1X on rent/mortgage

• $200 in platform credit 

Bilt Palladium:

• $495 annual fee

• 4% back in platform credit

• 2X points on all purchases

• Up to 1X on rent/mortgage

• $200 in platform currency

• Earn 50,000 bonus points  

The ability to earn points on rent or mortgage payments — often $1,500-$3,000+ per month — fundamentally changes the calculation. Cards previously considered best-in-class for everyday earning may no longer hold that distinction.

What makes these points different

Here's the game-changer: you don't need the premium card to transfer points to Bilt’s 23 airline and hotel partners. This includes several programs exclusive to certain banks and one available nowhere else (Alaska Airlines Atmos Rewards).

This flexibility matters. Having diverse redemption options means better value when you're ready to book travel.

The bottom line

Strong earnings on your largest expense, plus access to exclusive transfer partners, make these new Bilt cards compelling for anyone who wants to simplify their wallet without sacrificing points value.

Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened.