Cards
Points & MilesCardlessNo Annual Fee
BILT Blue Mastercard
Key facts
Annual feeNo annual fee
NetworkMastercard
Rewards currencyBILT Rewards Points
Recommended creditFair – Good (680+)
Transfer partnersYes
Near all-time high offer
Current sign-up bonus
$100 in Bilt Cash upon approval, no minimum spend required≈ $100 value
Reward rates
1x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Lounge Access
None — Priority Pass lounge access is exclusive to the Palladium tier on Bilt.
Emergency Evacuation (Unconfirmed)
None confirmed — not listed among Bilt Blue's published benefits. [UNCONFIRMED — Guide to Benefits required]
Travel Accident Insurance (Unconfirmed)
None
Baggage Delay (Unconfirmed)
None
Trip Delay (Unconfirmed)
None
Trip Cancellation / Interruption (Unconfirmed)
None
Purchase protections
Return Protection (Unconfirmed)
None confirmed — not listed among Bilt Blue's published benefits. [UNCONFIRMED — Guide to Benefits required]
Cell Phone Protection (Unconfirmed)
Yes limits in Guide to Benefits
Extended Warranty (Unconfirmed)
None
Purchase Protection (Unconfirmed)
None
Other benefits
Primary Rental Car (Unconfirmed)
None confirmed — not listed among Bilt Blue's published benefits. [UNCONFIRMED — Guide to Benefits required]
Annual Credits (Unconfirmed)
None — Bilt Blue is the no-fee tier with no dedicated statement credits. Its core benefit is earning Bilt Points on rent with no transaction fee (up to 100,000 points/year for rent).
Authorized User Fee
$0
Foreign Transaction Fee
$0 — no foreign transaction fee
Secondary Rental Car (Unconfirmed)
None
Lost / Stolen Baggage (Unconfirmed)
None
Transfer Partners
Yes — Alaska, American, Air Canada, Air France/KLM, British Airways, Cathay, Emirates, IHG, Marriott, United, Virgin Atlantic, Hyatt, Hawaiian
Welcome Bonus
None
Earn Rates
3x dining; 2x travel; 1x rent (no processing fee, must use card 5+ times/month); 1x everything else
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the BILT Blue Mastercard, a product of Cardless — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.