Annual fee math
Is the Bilt Blue Card worth it?
$0 annual fee. Pay rent without a fee, earn 1x on rent (and 3x on dining 6-9pm Rent Day). The only no-fee card that turns rent into a transferable currency.
6 minUpdated May 31, 2026
Annual fee
$0
Auto-offsets
$0
$0 credits · $0 auto-perks
Net cost
+$0Pays you to hold
Earning rates
| Category | Multiplier | Effective return |
|---|---|---|
| other1x on all purchases including rent/mortgage (no transaction fee). Transfer to 25+ partners | 1x | 2.00% |
The honest answer
Auto-offsets exceed the annual fee — the Bilt Blue Card pays you to hold it before you swipe once. Almost always a hold.
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