Bilt Blue Card

Purchase APR
10% Introductory APR for the first 12 billing cycles after account opening, then 26.74% – 34.74% Variable APR
Balance Transfer APR
26.74% – 34.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Rewards
1X – 1.25X Points Earn up to 1.25X points on rent and mortgage payments with no transaction fee

Earn 1X points on everyday purchases
Welcome Offer
$100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.

Bilt Obsidian Card

Purchase APR
10% Introductory APR for the first 12 billing cycles after account opening, then 26.74% – 34.74% Variable
Balance Transfer APR
26.74% – 34.74% Variable
Annual Fee
$95
Recommended Credit Score
Good – Excellent
670 – 850*
Rewards
1X – 3X Points Earn up to 1.25X points on rent and mortgage payments with no transaction fee

Earn 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year

Earn 2X points on travel

Earn 1X points on everyday purchases
Welcome Offer
$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.

Bilt Palladium Card

Purchase APR
10% Introductory APR for the first 12 billing cycles after account opening, then 26.74% – 34.74% Variable
Balance Transfer APR
26.74% – 34.74% Variable
Annual Fee
$495
Recommended Credit Score
Good – Excellent
670 – 850*
Rewards
1.25X – 2X Points Earn up to 1.25X points on rent and mortgage payments with no transaction fee

Earn 2X points on everyday purchases
Welcome Offer
50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.