Bilt Card 2.0: Which Card Is Right For You?
Bilt Card 2.0 introduces three tiers—Blue ($0), Obsidian ($95), and Palladium ($495)—each with different earning structures and benefits. You can now choose between two housing reward options: Option 1 (Simple Tiered, up to 1.25X) or Option 2 (Bilt Cash, max 1X with flexibility).
Enter your spending below to see which card provides the most value for your situation. The calculator shows exactly how points are earned, how the housing unlock mechanism works, and the annual value of each card tier.
Advanced Features: Compare Bilt cards to your current card to see the true opportunity cost, and discover optimized split strategies that maximize value by using both cards strategically. These tools help you make data-driven decisions about whether switching to Bilt is worth it for your specific spending patterns.
Your Spending
Default: 2.2cpp (TPG valuation). Adjust based on your redemption strategy.
Value of excess Bilt Cash in Option 2. $0 = worthless, $1 = face value.
Card Comparison
Our Recommendation: Option 1 with Bilt Palladium(
$132/year better than Bilt Palladium (Option 2)
How Bilt Palladium Earns Value
You've reached the maximum 1.25x tier.
Option 1 (Simple Tiered): Earn housing points based on your spend-to-rent ratio. 25% → 0.5X, 50% → 0.75X, 75% → 1.0X, 100%+ → 1.25X. No Bilt Cash involvement.
(121,200 points × 2.2cpp) - $495 fee = $2171.40
Compare to Your Current Card
How It Works
Option 1 (Simple Tiered): Earn housing points automatically based on your spend-to-rent ratio. 25% → 0.5X, 50% → 0.75X, 75% → 1.0X, 100%+ → 1.25X. No Bilt Cash involvement—straightforward and can earn up to 1.25X.
Option 2 (Bilt Cash): All cards earn 4% Bilt Cash on all purchases. For every $30 in Bilt Cash earned, you unlock 1,000 Bilt Points on rent/mortgage. Max 1X on housing, but excess Bilt Cash can be used for other redemptions.
Limitation: You can earn up to 1X (Option 2) or 1.25X (Option 1) on your full rent/mortgage amount, limited by your spending ratio or Bilt Cash earned.
Who Should Get Each Card?
Light users who primarily want rent/mortgage points. Accessible with no annual fee, but earn partial points if spending less than ~$1,500/month on everyday purchases.
Moderate spenders who dine or travel frequently. 3X on dining (no cap) and 2X on travel. $300 in credits offset the fee in year one.
Heavy spenders maximizing 2X on everything. The 2X multiplier makes it easier to unlock housing points. $900 in credits plus 50,000 point welcome bonus.
Track Your Bilt Strategy
Track velocity rules, MSR deadlines, and optimize your card strategy.