Card details · Cardless
Bilt Blue Card review: fees, rewards and APR
The Bilt Blue Card is a credit card from Cardless with a $0 annual fee. By our overall score it ranks #152 of the 242 credit cards we rank (store-only cards excluded).
Key facts
- Issuer
- Cardless
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- $100 Bilt Cash when you apply and are approved.
- Intro APR
- purchases 12 months
- Ongoing APR
- 26.74%-34.74% variable
- Our overall score
- 53 (#152 of 242 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount ($100). How we track offer history.
Rewards
- 1X points on all purchases + 4% Bilt Cash on everyday spend (excluding housing) and 1X points on housing, or up to 1.25X points on rent and mortgage.
Intro APR and balance transfers
0% intro APR on purchases for 12 months.
Ongoing APR: 26.74%-34.74% variable
Where it ranks
- Overall: #152 of 242 cards (score 53)
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Cardless’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Bilt Blue Card?
$0, as stored in our database. Confirm the current fee on Cardless’s site.
Does the Bilt Blue Card have a welcome bonus?
Our database lists this offer: $100 Bilt Cash when you apply and are approved. Offers change often and terms apply.
Does the Bilt Blue Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 12 months. Terms apply.
How does the Bilt Blue Card rank on YourBestCards?
#152 of 242 cards by our overall score (53).
Has the Bilt Blue Card sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at $100 in our records. Offers can change at any time; terms apply.
Other top-scoring cards
- 5% cash back on one spend category you pick each month with Chime Prime ($3,000+ direct deposits in 34 days), or 2% with Chime Plus ($200+ direct deposit)
- up to $1,500 of purchases a month
- no rewards outside the category or without direct deposit
- Annual fee
- $0
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
- 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership.
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- 1.5% cash back on all purchases
- 5% on Capital One Travel hotels/rentals
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.