Bilt Rewards has officially unveiled Bilt Card 2.0, a major evolution of its ecosystem that expands rewards beyond rent to include mortgages. Launched on January 14, 2026, the update introduces three distinct card tiers and a new currency called Bilt Cash.
Bilt allows you to pay rent with no transaction fee, and now, you can pay your mortgage with Bilt as well. There’s no preset spending limit on housing payments. Pay rent or mortgage without using your credit line. You can earn across multiple homes, with no annual housing points cap. And as always, Bilt offers members the ability to opt-in to free reporting of on-time rent payments to major credit bureaus to help build their credit history.
Everyday spend now fuels how many points you can unlock on housing payments. The more you use your Bilt Card, the more Bilt Cash you can earn to use to unlock points on housing payments.
For every $30 in Bilt Cash earned, you can unlock 1,000 Bilt Points when you make rent or mortgage payments, across multiple homes. For example, if your rent is $2,000 and you have $60 of Bilt Cash, you can convert your Bilt Cash into 2,000 points on that payment — still with no transaction fee.
Bilt Cash gives you flexibility: earn it from everyday spend and choose how to use it, whether to unlock points on housing payments, transfer bonuses, and exclusive experiences, or to spend dollar-for-dollar on monthly credits at restaurants, hotels, rideshare, and more.
Bilt is moving away from its one-size-fits-all model. In partnership with Cardless, Bilt 2.0 offers three distinct metal cards, allowing you to choose the reward structure that fits your spending habits:
Bilt Palladium Card ($495 annual fee)
- 2X points on everyday spend
- 4% back in Bilt Cash on everyday spend
- First-ever, limited-time 50,000-point sign-up bonus + Gold Status (after qualifying spend)
- $300 in Bilt Cash on account opening
- $600 in annual credits ($400 Bilt Travel Hotel credits + $200 in Bilt Cash)
- Additional premium benefits, including Priority Pass access, purchase protection, no foreign transaction fees, authorized users and more
Bilt Obsidian Card ($95 annual fee)
- 3X points on dining or grocery (grocery up to $25K/year), 2X on travel, 1X on all other everyday spend
- 4% back in Bilt Cash on everyday spend
- $100 in annual Bilt Travel Hotel credits
- $200 in Bilt Cash on account opening
- Trip Delay Insurance, no foreign transaction fees, and more
Bilt Blue Card (no annual fee)
- 1X points on everyday spend
- 4% back in Bilt Cash on everyday spend
- $100 in Bilt Cash on account opening
- Earn both Bilt Points and Bilt Cash with no annual fee and no foreign transaction fees
Current Bilt cardholders can select one of the three new cards by January 30, 2026 to ensure a seamless transition. Keep your same card number – subscriptions and autopay continue uninterrupted. Automatic updates to Apple Pay and Google Pay. Upgrade with no hard credit inquiry. Your new card arrives by February 6 for immediate use on February 7.
