Bank of America
Bank of America Travel Rewards credit card
Similar General spending profile with a different fee and perk mix.
No fee$250 bonus
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Bilt
Bilt Blue Card
Bilt Blue Card is the current no-annual-fee Bilt consumer card. Cardholders can choose between a Housing-only Option that earns up to 1.25x Bilt Points on eligible housing payments based on Everyday Spend Ratio thresholds, or a Flexible Bilt Cash Option that earns 4% Bilt Cash on everyday spend and can be redeemed to unlock up to 1x Bilt Points on housing payments. Other eligible purchases earn 1x Bilt Points, and members can access broader Bilt partner earning opportunities across Lyft, Bilt Dining, Bilt Travel, Bilt Fitness, Metropolis parking, Walgreens, and home delivery offers under the Bilt Rewards program.
Best for General spendingPointsPersonal cardGood+ credit
Year-one value
$445
Balanced assumption model with the welcome offer included.
Ongoing value
$445
Rewards plus usable credits minus the annual fee.
Welcome offer
None
No active welcome-offer hurdle in the dataset.
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
N/A
Needs a listed spend threshold
How You Earn
Where this card pays you back
Other
Up to 1.25x Bilt Points on eligible housing payments under the Housing-only Option, based on Everyday Spend Ratio thresholds, with a monthly floor of 250 points.
General spending
1x Bilt Points on other eligible purchases.
Credits And Perks
What actually offsets the fee
Rewards on Eligible Housing Payments
The current no-annual-fee Bilt card can earn rewards on eligible rent or mortgage payments made through the Bilt app or website without a transaction fee.
Flexible Rewards Options
Cardholders can choose between a Housing-only Option that earns Bilt Points on eligible housing payments or a Flexible Bilt Cash Option that earns Bilt Cash on everyday spend.
Bilt Partner Rewards
The broader Bilt Rewards ecosystem includes additional partner earning opportunities across Lyft, Bilt Dining, Bilt Travel, Bilt Fitness, Walgreens, Metropolis parking, and home delivery offers.
