Is the Bilt Blue Card subject to Chase 5/24?

No, the Bilt Blue Card is issued by Bilt, not Chase. Therefore, it is not subject to Chase's 5/24 rule. There are no specific issuer application rules like 5/24 mentioned for this card.

What credit score do I need for the Bilt Blue Card?

While a specific credit score floor is not provided, applicants for the Bilt Blue Card generally need a good to excellent credit score for approval. A strong credit history is recommended.

Can I get the Bilt Blue Card's $100 Bilt Cash benefit twice?

The $100 Bilt Cash is described as an amount that can be 'earned' and 'rolls over to the next year,' suggesting it's an annual feature rather than a one-time welcome bonus. You can continue to benefit from this feature as long as you hold the card and meet its earning criteria.

Does the Bilt Blue Card have an annual fee?

No, the Bilt Blue Card has a $0 annual fee, making it a cost-effective option for cardholders.

Does the Bilt Blue Card charge foreign transaction fees?

No, the Bilt Blue Card does not charge foreign transaction fees, making it a good choice for international travel or purchases made in foreign currencies.

What is Bilt Cash and how does it roll over?

Bilt Cash refers to a unique earning benefit offered by the Bilt Blue Card, allowing cardholders to earn up to $100. The terms state that this earned Bilt Cash can roll over to the next year, implying that any unused portion up to the $100 limit can be carried forward, providing ongoing value.

Bilt Blue Card: $100 Bilt Cash & No Annual Fee (June 2026)

The Bilt Blue Card, as of June 2026, offers a unique benefit allowing cardholders to earn up to $100 in Bilt Cash, which can roll over to the next year. This is not a traditional signup bonus tied to a minimum spending requirement, but rather an ongoing feature of the card. With a $0 annual fee and no foreign transaction fees, it's a compelling option for those seeking a straightforward, low-cost card. Eligibility generally requires good to excellent credit, and there are no specific issuer application rules like Chase 5/24 or once-per-lifetime restrictions mentioned.

Current Welcome Bonus & Value

As of June 2026, the Bilt Blue Card offers a unique benefit allowing cardholders to earn up to $100 in Bilt Cash. This Bilt Cash can roll over to the next year, providing ongoing value. Unlike many credit card offers, this is not a traditional one-time welcome bonus tied to an initial spending threshold, but rather a feature of the card's earning structure.

The estimated value of this benefit is up to $100 USD, reflecting the maximum Bilt Cash that can be earned and rolled over annually.

Minimum Spend to Earn It

There is no specified minimum spend requirement to earn the Bilt Cash benefit. This is because the $100 Bilt Cash is described as an earned amount that rolls over, rather than a one-time bonus contingent on initial spending.

Who's Eligible

To be eligible for the Bilt Blue Card, applicants typically need a good to excellent credit score. While specific credit score floors are not provided, a strong credit history is generally recommended for approval.

There are no specific issuer application rules, such as Chase's 5/24 rule or once-per-lifetime restrictions, explicitly stated for the Bilt Blue Card. This means eligibility is primarily based on your creditworthiness and Bilt's internal lending criteria.

Is It Worth It?

Pros:

No Annual Fee: The Bilt Blue Card comes with a $0 annual fee, making it a cost-effective option to keep long-term.
No Foreign Transaction Fees: This card is excellent for international travel or online purchases from foreign merchants, as you won't incur extra charges.
Unique Bilt Cash Rollover: The ability to earn up to $100 in Bilt Cash annually, which rolls over, provides a consistent benefit without a traditional minimum spend.
Mastercard Network: Benefits from broad acceptance worldwide and potential Mastercard perks.

Cons:

Not a Traditional Signup Bonus: If you're looking for a large, immediate signup bonus from initial spending, this card's benefit structure is different.
Limited Earning Multipliers: Specific earning multipliers for categories are not provided, so its everyday earning potential beyond the Bilt Cash feature is unclear.
No Specific Travel Benefits: While it lacks foreign transaction fees, no other specific travel benefits (like lounge access or travel credits) are mentioned.

Overall, the Bilt Blue Card is a solid choice for those seeking a straightforward, no-fee card with a unique annual cash benefit, especially if you value avoiding foreign transaction fees.

How to Apply

To apply for the Bilt Blue Card, you will typically visit the official Bilt website or a trusted financial product comparison site. You'll need to provide personal information such as your name, address, date of birth, Social Security Number, and income details. The application process is usually completed online, with an instant decision or a decision within a few business days.

Alternatives

No specific related cards were provided in the information. However, Bilt offers other financial products that may align with different spending habits or reward preferences. It's always wise to compare various no-annual-fee cards from different issuers to find the best fit for your financial goals and spending patterns.

Offers are subject to change and are accurate as of June 2026.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Bilt Blue Card — $100 bonus