Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure . Bilt Cards 2.0 review: Are they better than the original and can you still earn points on rent? Ben Walker (CEPF, CFEI ) Senior Writer, Credit Cards Updated Thu, June 25, 2026 at 3:58 PM PDT 11 min read With a transition from Wells Fargo to Cardless and Column N.A. Bank, Bilt has introduced its Bilt Card 2.0 setup, featuring three new Bilt credit cards: the Bilt Blue Card ( see rates & fees ), Bilt Obsidian Card ( see rates & fees ), and Bilt Palladium Card ( see rates & fees ). The annual fees range from $0 to $495 ( see rates & fees ), and all three cards offer ways to make rent and mortgage payments without transaction fees. However, the process is more confusing than it was on the Bilt Card 1.0, as you now have to spend on the new Bilt Cards to earn points on rent and mortgage payments. At first glance, it seems more complicated than it's worth, especially if you were a Bilt Card 1.0 user. In many cases, a separate travel credit card or cash-back credit card setup seems like the better strategy for earning rewards, even if you can't take advantage of rent or mortgage payments. Still, there may be certain situations where the new Bilt 2.0 credit cards make sense. Key details While Bilt previously partnered with Wells Fargo, its new card servicer is Cardless, with cards issued by Column N.A. Bank. Bilt Card 2.0's setup includes the no-annual-fee Bilt Blue Card, the $95-annual-fee Bilt Obsidian Card, and the $495-annual-fee Bilt Palladium Card ( see rates & fees ). You could previously use the expired Bilt Mastercard (Bilt 1.0) for transaction fee-free rent payments if you made at least five transactions per billing cycle. Now, there are still no transaction fees on rent and/or mortgage payments when making a housing payment through Bilt, but you have to choose between two confusing reward structures. Bilt Cards 2.0 overview Bilt Blue Card Bilt Obsidian Card Bilt Palladium Card Annual fee $0 ( see rates & fees ) $95 ( see rates & fees ) $495 ( see rates & fees ) Intro APR 10% for the first 12 billing cycles after account opening (then 26.74 - 34.74% variable) 10% for the first 12 billing cycles after account opening (then 26.74 - 34.74% variable) 10% for the first 12 billing cycles after account opening (then 26.74 - 34.74% variable) Welcome offer Get $100 of Bilt Cash when you apply and get approved* Get $200 of Bilt Cash when you apply and get approved* (Subject to approval) 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash* Base rewards rate 1x 1x 2x *Bilt Cash expires at the end of the calendar...
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