Bilt Blue Card: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Bilt Blue Card earns a flat 1x points on everything. We value Bilt Rewards at 1.8¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1x points	1¢ cash · 1.8¢ travel
Supermarkets	1x points	1¢ cash · 1.8¢ travel
Gas stations	1x points	1¢ cash · 1.8¢ travel
Travel	1x points	1¢ cash · 1.8¢ travel
Online shopping	1x points	1¢ cash · 1.8¢ travel
Drugstores	1x points	1¢ cash · 1.8¢ travel
Transit & rideshare	1x points	1¢ cash · 1.8¢ travel
Streaming	1x points	1¢ cash · 1.8¢ travel
Everything else	1x points	1¢ cash · 1.8¢ travel

Travel value uses 1.8¢ per point for Bilt Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

See it against the rest of your wallet →

How RightCard handles this: add the Bilt Blue Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Bilt Blue Card earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Bilt Blue Card earn on everything else?

1x points on purchases outside its bonus categories.

Does the Bilt Blue Card have an annual fee?

No annual fee.

How much are Bilt Blue Card points worth?

About 1.8¢ each toward travel by our conservative estimate for Bilt Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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