both

Bilt (Card 2.0)

Last checked 2026-10-16

ALL 3 BUREAUSTop pick

Not financial advice. Details checked 2026-10-16; confirm with the provider.

1.25XOn housing

URL: https://www.bilt.com/card
Category: both
Monthly fee: Card annual fee: Blue $0 / Obsidian $95 / Palladium $495; no transaction fee on rent, mortgage, HOA
Setup fee: $0
Back-reporting: none stated
Bureaus: Experian, Equifax, TransUnion (free opt-in rent reporting, Credit Boost)
Landlord: Landlord doesn't need to sign up
Rewards: Up to 1.25X points on rent AND mortgage (Housing-only option, multiplier based on everyday spend vs housing payment), or Flexible Bilt Cash: 4% Bilt Cash on everyday spend, redeem $30 Bilt Cash = 1,000 pts to unlock up to 1X on housing. No 5-transaction minimum on 2.0.
Eligibility: Credit card approval required; can earn on rent and mortgage at once
Notes: Card 2.0 support FAQ confirms free reporting of on-time rent paid through Bilt continues. Bilt Card 2.0 live since 2026-02-07; housing payments debit linked bank account.
Last checked: 2026-10-16

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