Best Categories for This Card
Dining & Restaurants
3X on dining or groceries — you choose once a year (dining by default)
Groceries
3X on groceries up to $25,000 a year if you choose groceries instead of dining
Lyft
After linking your Bilt and Lyft accounts
Travel
2X on airlines, hotels, cruise lines and car rentals booked directly
Rent
0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.
Mortgage
0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 3x | Ongoing | — | 6.00% |
| Groceries | 3x | Capped Spending | $25,000 cap | 6.00% |
| LyftMerchant | 3x | Ongoing | — | 6.00% |
| Travel | 2x | Ongoing | — | 4.00% |
| Rent | 1x | Ongoing | — | 2.00% |
| Mortgage | 1x | Ongoing | — | 2.00% |
Everywhere else | 1x | Ongoing | — | 2.00% |
Statement credits
Up to $100 a year if you use every one (annual fee: $95). Track them in your wallet.
Card details
- Network
- Mastercard
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
- Intro APR
- 0% intro APR on purchases for 12 billing cycles, then 26.74%–34.74% variable
- What a point is worth
- 1.00¢ as cash · up to 2.00¢ via transfer partners
- Last verified
- Oct 12, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Bilt’s official page for the most up-to-date terms straight from the issuer.
View on Bilt’s siteThis link opens Bilt’s website in a new tab. PayWithThis is not affiliated with Bilt and receives no compensation for this link.