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annual fee
US$95
welcome bonus
16k pts
foreign transaction fee
none
earn rates
restaurants · dining or grocery choice; default dining (uncapped). grocery 3x capped $25k/yr3x
other travel2x
everything else1x
at bilt partner restaurants · up to6x
at bilt travel hotels4x
at bilt travel flights3x
at lyft3x
at rent/mortgage · housing-only mode: 0.5x-1.25x depending on everyday spend vs housing payment; no fee on rent1.25x
store-only rates show here but aren't counted in your wallet math.
welcome offer
first purchase · $200 bilt cash on approval16k
credits
bilt travel hotel credit (2+ nights)US$50 twice a year
always confirm current terms with the issuer before applying. pointlss isn't affiliated with bilt. see disclosures.