Bilt expands rewards program with new cards for renters, homeowners: What to know
All new cardholders receive a 10% introductory APR on eligible purchases for the first 12 months, subject to terms and credit approval. (Credit: Bilt)
NEW YORK - Bilt today unveiled Bilt Card 2.0, a new lineup of three credit cards that, for the first time, allows homeowners to earn rewards on mortgage payments.
Why you should care:
All new cardholders receive a 10.00% introductory APR on eligible purchases for 12 months across all three cards, subject to terms and credit approval.
Bilt has consistently emphasized that members do not need to be cardholders to be part of its rewards program, but the cards are designed to deepen engagement within its broader loyalty ecosystem.
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Current cardholders have to choose their new Bilt card by Jan. 30, 2026. They’ll keep the same card number and their subscriptions and autopay will continue as normal. The card will automatically update in Apple Pay and Google Pay as well.
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What they're saying:
"This is a win for renters. This is a win for homeowners. This is a win for Americans," Ankur Jain, Founder and CEO of Bilt, said in a news release. "Bilt Card 2.0 offers rewards on your rent, rewards on your mortgage and earns you the most valuable points in the market. We're not just launching three new cards, we're rewarding the way people actually live."
Dig deeper:
Bilt said all three of its credit cards earn points and offer 4% back in Bilt Cash on everyday purchases. Cardholders can pay rent and mortgage payments with no transaction fees through the Bilt platform. Each card includes a 10% introductory APR on new eligible purchases for the first 12 months, subject to terms and credit approval.
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The Bilt Palladium Card, the company’s most premium option, carries a $495 annual fee. The card earns 2X points on everyday spending and offers 4% back in Bilt Cash. It includes a limited-time sign-up bonus of 50,000 points and Gold Status after qualifying spend, along with $300 in Bilt Cash upon account opening. Cardholders also receive up to $600 in annual credits, including $400 in Bilt Travel hotel credits and $200 in Bilt Cash. Additional benefits include Priority Pass access, purchase protection, authorized users and no foreign transaction fees.
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The Bilt Obsidian Card has a $95 annual fee. Cardholders earn 3X points on dining and grocery purchases, with grocery spending capped at $25,000 annually, 2X points on travel and 1X point on other everyday purchases. The card offers 4% back in Bilt Cash, $100 in annual Bilt Travel hotel credits and $200 in Bilt Cash upon account opening. Benefits include trip delay insurance and no foreign transaction fees.
The Bilt Blue Card has no annual fee. It earns 1X point on everyday purchases and offers 4% back in Bilt Cash. Cardholders receive $100 in Bilt Cash upon account opening and can earn both Bilt Points and Bilt Cash with no foreign transaction fees.
The Source: FOX Business contributed to this report. Information in this story was based on details provided by Bilt in a company announcement and news release, including product features, pricing and timing for the launch of Bilt Card 2.0. This story was reported from Los Angeles.