Is the Bilt Blue Card worth a spot in your wallet?
The honest math on the Bilt Blue Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Bilt / Column N.A. Bank · No annual fee · earns Bilt Points
Earning rates
- 4x Bilt Neighborhood Dining partners
- 3x Hotels via Bilt Travel
- 2x Flights via Bilt Travel
- 3x Lyft rides
- 2x Rent Day: 2x on the 1st of each month (Bonus capped at 1,000 points per month — about $1,000 of spend on the 1st (≈$12,000/yr); promotion confirmed through 2027-01-01)
- 1x Everything else
Protections and perks (4)
- Cell Phone Protection — Up to $800 per claim for theft or accidental damage when you pay your monthly wireless bill with the card ($50 deductible).
- MasterRental Coverage (Secondary) — Secondary collision/damage coverage on rentals paid with the card, up to 31 consecutive days.
- Purchase Assurance — New purchases covered for 90 days against damage or theft, up to $1,000 per claim.
- No Foreign Transaction Fees — No surcharge on purchases made abroad.
Card data verified against Bilt / Column N.A. Bank on 2026-08-21.
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