New Bilt 2.0 playing cards: Find out how to earn factors on hire, mortgages and extra

Welcome to the world of Bilt 2.0, the place it seems many of the rumors in regards to the new card portfolio have been true — and there is a lot to have a good time for many who are greater than prepared to start out incomes factors on their mortgage funds.

Beginning with the actually excellent news: You’ll now be capable of earn 2 Bilt Factors (TPG’s most valued forex, per our January 2026 valuations) per greenback spent on on a regular basis spending in the event you maintain the premium-tier Bilt Palladium Card.

That is enormous information to me due to the top-tier switch companions within the Bilt Rewards program, akin to Alaska Airways Atmos Rewards, World of Hyatt and United MileagePlus, which make these factors so extremely wanted. I am not saying I now consider this as incomes “2 Hyatt or Atmos Rewards factors per greenback spent on all purchases,” however I am not saying I do not assume that approach.

Moreover, for the very first time, there is a legitimately massive Bilt welcome bonus.

The Bilt Palladium Card (see charges and charges) is providing 50,000 bonus Bilt Rewards factors and Gold elite standing after spending $4,000 on non-housing purchases inside the first three months from account opening. Plus, cardholders will earn $300 in Bilt Money upon software approval.

However that is not all.

You’ll be able to earn further Bilt factors with TPG’s unique supply: Earn 5 factors per greenback spent on all purchases for the primary 5 days of card membership (as much as 50,000 bonus factors). To be eligible for this limited-time supply, you will need to apply via TPG’s unique hyperlink. Observe: Supply particulars could not seem in the course of the software course of, however will probably be mirrored in your Bilt account after card activation on February 7.

Though there are various positives to the Bilt 2.0 playing cards, some present Bilt fanatics could have not-so-positive reactions to a couple adjustments.

For example, as rumored, the times of accessing fee-free hire funds with as few as 5 small month-to-month transactions on a Bilt card are coming to an finish.

Based on Bilt, you may nonetheless use all three playing cards to pay your hire — and now your mortgage — with no transaction payment. Nevertheless, so as to unlock the power to earn factors on these funds, you may must make the most of Bilt Money (one other new program function).

This can be a lot, and it might sound sophisticated at first, however that is precisely why we’re right here, so let’s leap to it.

Particulars in regards to the new Bilt bank cards

The now-confirmed particulars in regards to the three new Bilt bank cards are:

Bilt Blue Card

• $0 annual payment.
• Welcome bonus: Earn $100 Bilt Money whenever you apply and are accredited.
• TPG unique: Earn 5 Bilt Rewards factors per greenback spent on all purchases for the primary 5 days of card membership (as much as 50,000 factors). To be eligible for this limited-time supply, you will need to apply via TPG’s unique hyperlink. Observe: Supply particulars could not seem in the course of the software course of, however will probably be mirrored in your Bilt account after card activation on February 7.
• On a regular basis incomes construction: Earn 1 level per greenback spent on on a regular basis spending.
• Housing incomes construction: Earn as much as 1 level per greenback spent on mortgage and hire funds.
• Obtain 4% Bilt Money on on a regular basis spending purchases; you need to use Bilt Money to unlock fee-free factors incomes (as much as 1 level per greenback) in your housing funds.
• No overseas transaction charges.

Apply right here: Bilt Blue Card (see charges and charges)

That is the cardboard to contemplate if you wish to discover Bilt’s ecosystem (with out paying an annual payment) and wish to earn some Bilt factors for housing funds and/or on a regular basis purchases.

Since Bilt factors are value 2.2 cents apiece based mostly on TPG’s January 2026 valuations, you’re nonetheless getting a very good return on your on a regular basis spending on this card. Nevertheless, I would argue that in the event you’re planning to spend considerably on the cardboard, you need to contemplate a higher-tier Bilt card.

Bilt Obsidian Card

• $95 annual payment.
• Welcome bonus: Earn $200 Bilt Money whenever you apply and are accredited.
• TPG unique: Earn 5 Bilt Rewards factors per greenback spent on all purchases for the primary 5 days of card membership (as much as 50,000 factors). To be eligible for this limited-time supply, you will need to apply via TPG’s unique hyperlink. Observe: Supply particulars could not seem in the course of the software course of, however will probably be mirrored in your Bilt account after card activation on February 7.
• On a regular basis incomes construction: Earn 3 factors per greenback spent on eating or grocery purchases (as much as $25,000 per yr), 2 factors per greenback spent on journey and 1 level per greenback spent on on a regular basis spending.
• Housing incomes construction: Earn as much as 1 level per greenback spent on mortgage and hire funds.
• Obtain 4% Bilt Money on on a regular basis spending purchases; you need to use Bilt Money to unlock fee-free factors incomes (as much as 1 level per greenback) in your housing funds.
• Obtain a $100 annual Bilt Journey portal resort credit score ($50 out there biannually per calendar yr).

Apply right here: Bilt Obsidian Card (see charges and charges)

This mid-tier card is an efficient choice to contemplate in the event you do not wish to pay a excessive annual payment however wish to reap the benefits of some bonus factors classes (i.e., journey, eating and groceries).

With the $200 Bilt Money welcome supply, this card can probably greater than pay for itself in its first yr for cardmembers seeking to earn factors on their hire or mortgages, as Bilt Money can be utilized to cowl the transaction payment for these funds.

Bilt Palladium Card

• $495 annual payment.
• Welcome bonus: Earn 50,000 Bilt factors plus Gold elite standing after spending $4,000 on purchases within the first three months; plus, earn $300 in Bilt Money after software approval.
• TPG unique: Earn 5 Bilt Rewards factors per greenback spent on all purchases for the primary 5 days of card membership (as much as 50,000 factors). To be eligible for this limited-time supply, you will need to apply via TPG’s unique hyperlink. Observe: Supply particulars could not seem in the course of the software course of, however will probably be mirrored in your Bilt account after card activation on February 7.
• On a regular basis incomes construction: Earn an infinite 2 factors per greenback spent on on a regular basis spending.
• Housing incomes construction: Earn as much as 1 level per greenback spent on mortgage and hire funds.
• Obtain 4% Bilt Money on on a regular basis spending purchases; you need to use Bilt Money to unlock fee-free factors incomes (as much as 1 level per greenback) in your housing funds.
• Obtain a $400 annual Bilt Journey portal resort credit score ($200 out there biannually).
• Obtain $200 in Bilt Money yearly.
• Get pleasure from a Precedence Cross membership.

Apply right here: Bilt Palladium Card (see charges and charges)

I would argue that is one of the best of the three new playing cards for these critical about incomes Bilt factors, although paying a $495 annual payment might not be proper for everybody.

In the event you do not wish to mess with class bonuses — or just already produce other playing cards the place you wish to direct your journey, eating and/or grocery spending — then incomes 2 factors per greenback spent on all purchases with this card is probably going the way in which to go.

Curiously, even when this card had nothing to do with incomes factors on housing funds, it could nonetheless be massive information, given the worth and flexibility of Bilt factors and the cardboard’s engaging incomes price of two factors per greenback spent on all purchases (excluding hire and mortgages, that are as much as 1 level per greenback spent).

TPG values 2 Bilt Rewards factors at a 4.4% return on spending per our January 2026 valuations — and that is earlier than factoring within the 4% Bilt Money being earned concurrently.

Subsequently, the welcome supply of fifty,000 Bilt factors is value $1,100, per our valuations. With TPG’s unique supply (should apply via TPG’s hyperlink) to earn as much as a further 50,000 factors at 5 factors per greenback spent within the first 5 days (probably incomes 100,000 Bilt factors), you have got the power to obtain as much as $2,200 in worth.

That is earlier than factoring in incomes $300 in Bilt Money and Gold elite standing.

Bilt Money: The pathway to fee-free hire and mortgage funds

All three new Bilt playing cards will award 4% Bilt Money on nonhousing purchases. So, for instance, in the event you spend $1,000 in your Bilt card per thirty days (excluding hire or mortgage funds), you’d earn $40 that month in Bilt Money on the 4% price. You should use that Bilt Money for a wide range of issues within the Bilt ecosystem, together with for Bilt standing upgrades and Bilt journey bookings.

However maybe importantly for this instance, you may also use your Bilt Money to earn factors on hire and mortgage funds made utilizing your Bilt card with out transaction charges. The extra you spend on the cardboard, the extra Bilt Money you earn — and the extra you amplify your fee-free incomes potential on housing funds.

For each $30 in Bilt Money, you may earn 1 level per greenback on $1,000 in hire or mortgage funds with out paying a transaction payment.

This may be sophisticated at first, so let us take a look at two instance situations.

$750 in on a regular basis purchases, $2,000 in hire per thirty days

Let’s begin with a situation the place you spend $750 per thirty days on on a regular basis purchases along with your new Bilt card. This spending earns you $30 in Bilt Money every month.

On the finish of the month, you have got a $2,000 hire cost due. This whole cost might be made via Bilt with out charges in the event you like. Nevertheless, your $30 in Bilt Money means that you can earn factors on $1,000 of that cost — the opposite $1,000 earns you no factors in that situation if you wish to keep away from transaction charges.

In different phrases, you’d earn 0.5 factors per greenback spent in your $2,000 in hire in the event you had half the Bilt Money wanted to earn fee-free factors on the complete quantity.

Professional tip: To determine the quantity of Bilt Money you’d want out there to earn 1 level per greenback spent on the complete quantity with out charges, multiply your housing cost by 3%.

$1,500 in on a regular basis purchases, $2,000 in hire per thirty days

Now, to illustrate you make double the quantity of on a regular basis purchases on a Bilt card than within the first instance ($1,500). At a 4% Bilt Money incomes price, you are incomes $60 in Bilt Money every month.

On this situation, the $60 in Bilt Money means that you can earn factors with out charges in your total hire cost of $2,000.

Consider this quantity because the “break-even” level on these playing cards. Extra particularly, in the event you spend no less than 75% of the quantity of your housing cost on on a regular basis purchases on a Bilt card in a given month, you may have sufficient Bilt Money to earn factors on the complete quantity of your hire or mortgage with out paying a payment.

There will probably be an computerized setting for this

Not a math particular person? To not fear — Bilt will do it for you. You’ll be able to choose the setting to mechanically apply your out there Bilt Money to earn as many factors as attainable in your hire or mortgage cost (once more, at a price of $30 in Bilt Money for $1,000 in housing spend).

You probably have sufficient Bilt Money out there, you may earn 1 level per greenback spent on your complete cost with no payment. You probably have much less, you may solely earn factors on a part of it if you wish to keep away from transaction charges (which in any other case can be 3% if you wish to earn factors on the hire or mortgage cost with out Bilt Money out there).

Observe: In the event you apply for one of many playing cards at the moment, issue within the time it’s going to take to obtain it within the mail. Based on the corporate, it’s going to activate all Bilt 2.0 playing cards Feb. 7.

Are the brand new Bilt playing cards value it?

As a mortgage holder who by no means benefited from the Bilt 1.0 hire system, I’m personally fairly thrilled on the prospect of simply incomes Bilt Rewards factors.

In the case of whether or not the brand new Bilt playing cards are value it, let us take a look at a number of extra numbers moderately than providing a easy sure or no reply. This is the mathematics on how I can now earn 90,000 Bilt Rewards factors per yr with the brand new Bilt Palladium Card.

• Spend $2,250 in on a regular basis purchases every month, incomes me 4,500 Bilt factors plus $90 in Bilt Money.
• Pay my month-to-month $3,000 mortgage on my Bilt Palladium Card.
• Earn 3,000 factors on that transaction by utilizing my $90 in Bilt Money.

This interprets to a grand whole of 90,000 Bilt Rewards factors per yr with no transaction and cost charges.

Even when that is all I placed on the Bilt Palladium Card — and it most likely will not be — incomes 90,000 Bilt Rewards factors per yr from a median of simply $2,250 in on a regular basis purchases on the cardboard every month, plus the month-to-month mortgage cost, is fairly unbelievable.

And that is earlier than I issue within the capacity to earn 50,000 bonus Bilt Rewards factors with the welcome bonus after spending no less than $4,000 on nonhousing purchases inside the first three months of card membership. I am going to additionally get to check out Gold standing after assembly the welcome supply spending necessities, which is able to probably get me entry to much more profitable month-to-month Lease Day bonuses, airline and resort companion transfers and extra. (Observe: Gold standing is legitimate via the remainder of the calendar yr by which it was earned and the next calendar yr.)

My recommendation for deciding if the brand new Bilt playing cards are value it for you: Take a second to mourn the previous if you want to, then crunch the numbers for your self. Numbers ought to drive your rewards card choices, not feelings.

For me, the numbers are clearly in my favor, and the brand new Bilt playing cards — particularly the brand new Bilt Palladium Card — are positively value a slot in my pockets.

Plus, since Bilt Rewards can be a complete ecosystem, this can be only the start. For now, although, I can simply earn hundreds of {dollars} in rewards over the following yr and at last maximize my largest month-to-month expense.

Backside line

There’s rather a lot to wrap your head round with the launch of three all-new Bilt playing cards, together with the evolution of Bilt Money and their new welcome affords.

We aren’t going to try to cram each element and situation into this one article.

As an alternative, you may hold this text bookmarked for the data you are after that can assist you determine if Bilt 2.0 is smart for you and which card could also be one of the best match on your pockets. We’ll proceed so as to add hyperlinks to newly created content material because it publishes that can assist you navigate this Bilt 2.0 world.

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Apply right here: Bilt Palladium Card

Apply right here: Bilt Obsidian Card

Apply right here: Bilt Blue Card

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