Overview
- The no‑annual‑fee Bilt Blue card can effectively earn 2.3 transferable points per dollar by pairing 1x points with 4% Bilt Cash that converts to points tied to housing payments.
- This uplift applies up to 75% of a member’s monthly rent or mortgage processed through Bilt, such as $3,000 of card spend if the housing payment is $4,000.
- Bilt Cash is marketed as dollar‑for‑dollar usable with partners and is promoted as delivering over $4,500 in annual credits, with selectable offers like Lyft rides or Blade and Blacklane transfers.
- Analysis frames Bilt Cash not as true cash but as a flexible, choice‑based monthly perks budget, with offers that can change and selections reset each month.
- Balances of Bilt Cash expire on December 31 with only $100 rolling over, a policy that may discourage heavy late‑year spend and shapes how cardholders time redemptions.