Bilt Card 2.0: Which Card Is Right For You?

Bilt Card 2.0 introduces three tiers—Blue ($0), Obsidian ($95), and Palladium ($495)—each with different earning structures and benefits. Unlike the original Bilt Card, housing points are now unlocked through everyday spending via Bilt Cash.

Enter your spending below to see which card provides the most value for your situation. The calculator shows exactly how points are earned, how the housing unlock mechanism works, and the annual value of each card tier.

Advanced Features: Compare Bilt cards to your current card to see the true opportunity cost, and discover optimized split strategies that maximize value by using both cards strategically. These tools help you make data-driven decisions about whether switching to Bilt is worth it for your specific spending patterns.

Your Spending

Monthly Rent/Mortgage

Monthly Everyday Spend

Monthly Dining Spend

Monthly Travel Spend

First Year (include sign-up bonuses)

Bilt Point Value (cents per point)

Default: 2.2cpp (TPG valuation). Adjust based on your redemption strategy.

Card Comparison

How Bilt Palladium Earns Value

Spending Points

Everyday Spend (2X) $36,000

Dining Spend (2X) $6,000

Travel Spend (2X) $3,600

Total Points Earned91,200 points

Value (2.2cpp)$2006.40

Housing Points (Rent/Mortgage)

Annual Rent/Mortgage$24,000

Total Monthly Spend$3,800/month

($3,000 everyday + $500 dining + $300 travel)

Bilt Cash from Spending$1824.00/year

Annual Bilt Cash Credits$200.00

First Year SUB Credits$0.00

Total Bilt Cash Earned$2024.00/year

Annual Bilt Cash Used for Housing$720.00

Excess Bilt Cash (not used)$1304.00

Note: Excess Bilt Cash is considered worthless for value calculations.

Housing Points Unlocked24,000 points

Value (2.2cpp)$528.00

For every $30 in Bilt Cash earned from all spending (everyday, dining, travel), you unlock 1,000 Bilt Points on rent/mortgage payments. You can earn up to 1X on your full rent/mortgage amount, limited by the Bilt Cash you've earned.

Annual Fee-$495

Core Value$2039.40

(115,200 points × 2.2cpp) - $495 fee = $2039.40

+ Credits (if used)+$400

Compare to Your Current Card

Card Type

Cashback %

Annual Fee ($)

How It Works

Bilt Cash: All cards earn 4% Bilt Cash on all purchases (everyday, dining, travel). This is a rewards currency, not cash.

Housing Unlock: For every $30 in Bilt Cash earned, you unlock 1,000 Bilt Points on rent/mortgage payments. There's no minimum Bilt Cash required—you can unlock points proportionally.

Limitation: You can earn up to 1X on your full rent/mortgage amount, but you're limited by how much Bilt Cash you've earned. If you spend $1,000/month total (across all categories), you earn $40 Bilt Cash, which unlocks ~1,333 points on housing.

Who Should Get Each Card?

Bilt Blue ($0)

Light users who primarily want rent/mortgage points. Accessible with no annual fee, but earn partial points if spending less than ~$1,500/month on everyday purchases.

Bilt Obsidian ($95)

Moderate spenders who dine or travel frequently. 3X on dining (no cap) and 2X on travel. $300 in credits offset the fee in year one.

Bilt Palladium ($495)

Heavy spenders maximizing 2X on everything. The 2X multiplier makes it easier to unlock housing points. $900 in credits plus 50,000 point welcome bonus.

Track Your Bilt Strategy

Track velocity rules, MSR deadlines, and optimize your card strategy.