Best Categories for This Card
Lyft
After linking your Bilt and Lyft accounts
All Other Purchases
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.
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| LyftMerchant | 4x | Ongoing | — | 8.00% |
Everywhere else | 2x | Ongoing | — | 4.00% |
| Rent | 1x | Ongoing | — | 2.00% |
| Mortgage | 1x | Ongoing | — | 2.00% |
Statement credits
Up to $600 a year if you use every one (annual fee: $495). Track them in your wallet.
Card details
- Network
- Mastercard
- Foreign transaction fee
- None
- Credit usually needed
- Excellent (about 740+)
- 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.
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 →
How it stacks up
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.
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