How does the Bilt 3% fee work?

Bilt charges a 3% processing fee on rent and mortgage payments. To offset it, all three Bilt cards earn 4% Bilt Cash on non-housing spend. If your non-housing spend is at least 75% of your housing payment, the Bilt Cash earned fully covers the 3% fee — making rent earning effectively free.

What is the difference between Bilt Blue, Obsidian, and Palladium?

Bilt Blue ($0/yr) earns 3x at dining partners, 1x everywhere. Bilt Obsidian ($95/yr) earns 5x at dining partners (or 3x grocery as a flex choice), 2x travel, 1x other. Bilt Palladium ($495/yr, net ~$95 after $400 hotel credit) earns 4x dining partners and 2x on every single purchase — making it the most powerful for high spenders.

How many Bilt points do I earn on rent?

All three Bilt cards earn 1x point per dollar on rent or mortgage payments, provided the 3% fee is offset by Bilt Cash. There is no annual cap on housing earnings as of 2026.

How much is a Bilt point worth?

Bilt points are worth approximately 1.5–2.2 cents each when transferred to partners. The best value is World of Hyatt at 1:1, where Category 1–4 hotels run 5,000–15,000 points. For the Bilt Travel Portal, points are worth 1.25 cents each.

Can Bilt be used for mortgage payments?

Yes — a key new feature in Bilt 2.0 (February 2026) is mortgage payment support. All three Bilt cards earn 1x on mortgage payments, subject to the same 3% fee + Bilt Cash offset mechanic as rent.

What is Bilt Rent Day?

Bilt Rent Day is the 1st of every month. All non-housing spend earns 2x points (vs. the standard rate). It is the best day to make large purchases on your Bilt card.

What are the best Bilt transfer partners?

All Bilt transfers are 1:1 with no fee. Best value: World of Hyatt (2.2¢/pt), American Airlines (1.6¢/pt), Alaska Mileage Plan (1.4¢/pt), Air Canada Aeroplan (1.4¢/pt), United MileagePlus (1.35¢/pt).

Is Bilt Obsidian or Bilt Palladium worth it?

Bilt Obsidian ($95/yr) is worth it if you dine at Bilt partner restaurants regularly — 5x dining partners can easily earn back the fee. Bilt Palladium ($495/yr gross, ~$95 net after $400 hotel credit) is worth it for high-housing-payment cardholders who will use the hotel credit annually and benefit from 2x on every purchase.

Calculadora de puntos Bilt

Compara las 3 tarjetas Bilt. Entiende cómo funciona la tarifa del 3% + el offset de Bilt Cash.

Pago de vivienda

Pago mensual de vivienda ($)

Gasto mensual

Restaurantes socios de Bilt ($/mes)

Otras comidas ($/mes)

Supermercado ($/mes)

Vuelos y hoteles directos ($/mes)

Portal Bilt Travel ($/mes)

Otros gastos diarios ($/mes)

Incluir bono Rent Day (día 1)

En Rent Day, Bilt da 2x en todos los gastos no de vivienda.

Cobertura de la tarifa: 100%$72/mo cash vs $54/mo fee

Tarifa completamente cubierta — puntos de vivienda gratis

Bilt Obsidian — Annual

Puntos por vivienda

21,600

Puntos por gastos

50,400

Total de puntos anuales

72,000

Bilt Cash ganado+$864

Tarifa del 3% en vivienda−$648

Bilt Cash neto+$216

Cuota anual (neta)−$95

Valor en Hyatt (2.2¢/pto)$1,584

Valor vía portal (1.25¢/pto)$900

Las 3 tarjetas Bilt

	Bilt Blue	Bilt Obsidian	Bilt Palladium
Annual fee (net)	Free	$95	$95
Housing earn	1x	1x	1x
Dining partners	3x	5x	4x
Dining other	1x	1x	2x
Grocery	1x	3x	2x
Travel (direct)	1x	2x	2x
Travel (Bilt portal)	2x	3x	3x
Everyday everything	1x	1x	2x
Bilt Cash rate	4%	4%	4%
Hotel credit	—	—	$400
Total annual pts	52,500	72,000	73,200
Hyatt value	$1,155	$1,584	$1,610
Net annual value ✓	$1,371	$1,705	$1,731

Obsidian: elige 1 categoría anual — 5x restaurantes socios O 3x supermercado (límite $25K/año).

Cuota neta de Palladium: $95 después de usar el crédito de $400 en hoteles.

¿Listo para solicitar?

Las 3 tarjetas Bilt comparten el mismo enlace de referido. Elige tu nivel.

Solicitar — Bilt Blue$0/yr · Sin cuota anualApply Now →Solicitar — Bilt Obsidian$95/yr · 5x dining partnersApply Now →Solicitar — Bilt Palladium$95 net/yr · 2x on everythingApply Now →

Enlace de referido

Guía completa de Bilt 2.0

Earning scenarios, card comparison, and strategies

5/24 & Application Tracker

Track card applications and bank velocity rules