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Bilt 2.0 Card Calculator

Compare Bilt Blue, Obsidian, and Palladium using Option 1 (Tiered) or Option 2 (Bilt Cash).

Bilt Blue

$0/yr

Annual Value$375.00
Total Points30,000

Bilt Obsidian

$95/yr

Annual Value$500.00
Total Points39,600
Credits+$100

Bilt Palladium

$495/yr

Annual Value$1055.00
Total Points92,000
Credits+$400

Monthly Spending

$
$
$
$

Point Valuation

Housing Option

Earn housing points automatically based on your everyday spending relative to your rent:

≥100% of rent1.25x
≥75% of rent1.0x
≥50% of rent0.75x
≥25% of rent0.5x
<25% of rent250 pts/mo

Bilt Obsidian Breakdown(Option 1)

Spending Points (Annual)

Everyday (1x)6,000 pts
Dining or Grocery (3x)10,800 pts
Travel (2x)4,800 pts
Total Spending Points21,600

Housing Points (Annual)

Annual Rent/Mortgage$24,000
Housing Multiplier0.75x
Housing Points18,000

Total Points

Total Points Earned39,600
Value @ 1.25¢/pt$495.00

Credits

Hotel Credits (Annual)$100

Annual Value Calculation

Points Value+$495.00
Credits Value+$100.00
Annual Fee-$95
Net Annual Value$500.00

Recommendation

Based on your spending, Bilt Palladium with Option 2 provides the best value at $1130/year.

Bilt 2.0 Earning Structure

CategoryBlueObsidianPalladium
Annual Fee$0$95$495
Rent/Mortgage (Option 1)Up to 1.25xUp to 1.25xUp to 1.25x
Rent/Mortgage (Option 2)Up to 1xUp to 1xUp to 1x
Everyday Spend1x1x2x
Dining or Grocery1x3x2x
Travel1x2x2x
Bilt Cash (all spending)4%4%4%
Hotel Credits (Annual)-$100$400
Bilt Cash (Annual)--$200
Bilt Cash Welcome Bonus$100$200$300
Welcome Bonus (Points)--50,000 pts