# Bilt Blue Card

> Earn 1x on all purchases. $100+ in statement credits per year. No annual fee.

Canonical page: https://cardstack.money/cards/bilt-blue-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Bilt
- Network: Mastercard
- Annual fee: $0
- Rewards program: Bilt Rewards (https://cardstack.money/programs/bilt-rewards.md)
- Total statement credits value: $100 per year
- Net value after annual fee: +$100 per year (credits value minus fee)
- Welcome offer: $100 of Bilt Cash upon approval.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 1.25x | Rent & Mortgage | Up to 100k pts/yr |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Welcome Bonus - $100 one-time

No recurring statement credits. $100 Bilt Cash welcome bonus upon approval only.

- Offer terms: One-time upon approval
- Where to redeem: Bilt Cash upon approval
- Details: https://cardstack.money/benefits/bilt-blue-card-welcome-bonus.md

## Other benefits

- **Up to 1.25X on Rent and Mortgage**: Earn up to 1.25 points per dollar on housing payments per Bilt's monthly rent-spend ratio and eligibility rules.
- **Bilt Cash Option**: Optionally choose to earn 4% back in Bilt Cash on everyday spend instead of Bilt Points.
- **Auto Rental Coverage (MasterRental, secondary)**: Up to 31-day rentals; covers physical damage and theft, plus loss of use up to $500 per incident; primary coverage outside the U.S. when you have no other applicable insurance.
- **Cellular Wireless Telephone Protection**: Up to $800 per claim ($1,000 per card per 12 months) for theft or damage to phones on your monthly bill, when the bill is paid with this card; $50 deductible, max 2 claims per 12 months. Excludes lost or mysteriously disappeared phones.
- **Purchase Assurance**: Damage or theft coverage on eligible new purchases for 90 days; up to $1,000 per loss and $50,000 per cardholder per 12 months. Secondary.
- **Mastercard ID Theft Protection**: Surface, dark, and deep web monitoring for compromised credentials, plus credit-bureau monitoring and resolution specialist support; enrollment required.
- **Mastercard Travel & Lifestyle Services**: Curated luxury hotel collection bookings with Lowest Hotel Rate Guarantee and Hotel Stay Guarantee, plus premium amenities and upgrades.
- **Mastercard Concierge Service**: 24/7/365 personal-assistant access for travel, dining, entertainment, and event planning (1-877-354-8330).
- **Mastercard Global Service**: 24/7 worldwide assistance for lost/stolen card reporting and emergency card replacement.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.


---

CardStack automatically tracks the Bilt Blue Card's $100 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863