Learn How to Apply 
Advertiser Disclosure
10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All values of Membership Rewards are assigned based on the assumption, experience and opinions of the 10xTravel team and represent an estimate and not an actual value of points. Estimated value is not a fixed value and may not be the typical value enjoyed by card members.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Current Offer
Welcome offer: $100
Bilt Cash
when you apply and are approved
How to Earn Rewards
1X
points on everyday spend
Up to 1X
points on rent and mortgage payments
4%
Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
Benefits
Earn points on housing with no transaction fee
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
Redeem Bilt Cash for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Earn additional points through Bilt Neighborhood Benefits™ when you use your Blue Card at Bilt's network of 50,000+ merchants
Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits)
Our Take
This is basically an entry-level card for new members. Effectively, you are earning 2.3x points when factoring in Bilt Cash converted to points.