Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3x points on your choice of dining or grocery (up to $25K/year on grocery)
• +2x points on travel
• +Earn up to 1x points on rent and mortgage with no transaction fees
• +$200 Bilt Cash welcome bonus upon approval (no spending required)
• +$100 annual Bilt Travel hotel credit ($50 semiannually)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$95 annual fee plus $50 per authorized user
• −Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
• −Bilt Cash expires at year-end with only $100 rollover
• −Grocery bonus category capped at $25K/year spending
• −Hotel credit requires 2-night minimum via Bilt Travel portal