Earn points on rent or mortgage payments with no transaction fee.
Rates, fees and offers
- Regular APR
- 26.74%–34.74% variable
- Annual fee
- $0
- Promo offers
- 10% intro APR on new eligible purchases for the first year.
- Balance transfer fee
- See Bilt's terms
- Rewards
- 1x points on everyday spending; up to 1.25x on rent or mortgage payments with no transaction fee.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Bilt relaunched its cards in 2026 (Blue, Obsidian and Palladium), issued by Column N.A. and serviced by Cardless. The regular APR is high (from 26.74%). Paying housing costs on a card only makes sense if you pay in full.
Paying and contacting Bilt
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Bilt cards → · Search all cards
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