The New Bilt Cardless Cards Are Here

New Bilt Cardless Cards

Bilt today launched Bilt Card 2.0, a suite of three credit cards that, for the first time, extend rewards to homeowners with the ability to earn points on mortgage payments. Every new cardholder receives a 10.00% introductory APR on new eligible purchases for 12 months across all three cards, subject to terms and credit approval. The three Bilt Card 2.0 options are powered in partnership with Cardless, Fidem Financial and Column N.A.

Let’s get into the details, which are quite similar to the leaks we reported a few days ago.

Four things to know about Bilt Card 2.0

You don’t need a Bilt Card to be a Bilt Member. But for those who want to get the most out of the ecosystem, here’s what you need to know about Bilt Card 2.0:

1. Earn valuable points: Every Bilt Card is designed to help you earn more of what rewards experts consistently rank as the most valuable points available, whether you choose a premium everyday card or a no-annual-fee option.
2. Earn 4% back in Bilt Cash: Bilt has the only cards that earn both points and 4% back in Bilt Cash on everyday spend. Bilt Cash is a new rewards currency that gives you even richer rewards inside Bilt’s ecosystem. You can spend it on monthly credits on restaurants, hotels, rideshare and more – or use it to unlock access to housing rewards, transfer bonuses, and more.
3. Pay rent and mortgage: Bilt Cardholders may choose between two payment options when paying rent or mortgage through the Bilt app or website: Max Points or No Transaction Fees. You may select and change your payment option in the Bilt app or website.
   • No transaction fee: Pay your rent or mortgage with no transaction fee. You may redeem Bilt Cash to unlock Bilt Points on your payment: every $3 of Bilt Cash unlocks 100 Bilt Points, up to a maximum of 1 Point per $1 of your payment amount. You choose how much Bilt Cash to redeem each payment.
   • Max Points: Earn 1 Point per $1 on your rent or mortgage payment. A 3% transaction fee applies. Bilt Cash in your account is automatically applied to cover the transaction fee, though you may adjust this in the Bilt app. Any portion of the fee not covered by Bilt Cash is your responsibility.
4. Credits designed to pay back your annual fee: Bilt says that the premium cards include built-in credits and benefits designed to deliver more value than the annual fee year after year.

Three New Cards

All three Bilt Cards earn points, earn 4% back in Bilt Cash on everyday spend, and let you pay rent and mortgage with no transaction fee through Bilt. And every card gives you a 10% introductory APR on new eligible purchases for the first year,²† subject to terms and credit approval.

Bilt Palladium Card ($495 annual fee)

The most premium card.

• 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)

Premium benefits designed for everyday value.

• 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

Welcome bonuses are available only to those who do not currently hold a Bilt Card 2.0 issued by Column N.A., Member FDIC, have not previously held a Bilt Card 2.0 issued by Column N.A., Member FDIC and have not received a Bilt Card 2.0 issued by Column N.A., Member FDIC welcome bonus in the past. You can see the full terms here.

You can already apply for the new cards, but TPG is offering an extra “5 points per dollar spent on all purchases for the first five days of card membership (up to 50,000 bonus points)” if you apply through their link.

How Everyday Spend Unlocks Housing Rewards

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.

Bilt says that Bilt Cash gives you flexibility. You 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.

Seamless Transition for Existing Members

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 (but it will show as a new account)

Your new card arrives by February 6 for immediate use on February 7.