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A public reference for this card's annual fee, benefit schedules, earning rules, and protections. Use it to understand what belongs to the card before you decide what to track.
Review this card's recorded earning rules before you move into its benefit windows and protections.
Expand a row for its recorded terms. Amounts describe the catalog rule, not automatic redemption or transaction matching.
1 recorded
$400 in Bilt Travel hotel credits each calendar year. Issued as two $200 semi-annual credits (Jan-Jun and Jul-Dec). Minimum two-night stay required through Bilt Travel portal
1 recorded
$200 in Bilt Cash annually, deposited at the beginning of each calendar year. Up to $100 in unused Bilt Cash rolls over each year
Complimentary Priority Pass membership with access to 1,400+ airport lounges worldwide. Cardholder plus up to 2 guests per visit. Authorized users ($95/year) also receive Priority Pass
Opt-in to report rent payments to all three major credit bureaus (Experian, Equifax, TransUnion) to help build credit history
Earn 4% back in Bilt Cash on everyday purchases in addition to Bilt Points. Bilt Cash expires December 31 each year; up to $100 rolls over annually
No foreign transaction fees on purchases made abroad
Transfer points 1:1 to airline and hotel partners including United, American Airlines, Aeroplan, Flying Blue, Hyatt, Marriott Bonvoy, Hilton Honors, IHG One Rewards
Up to $800 per claim for damage or theft when you pay your monthly phone bill with the card. $50 deductible, max 2 claims and $1,000 total per 12 months
Up to $1,000 per occurrence, $50,000 per year. Covers theft or damage within 90 days of purchase
Up to $250 per claim within 90 days of purchase if price drops. Minimum $25 drop required. Up to 4 claims per 12-month period
Doubles manufacturer warranty on items with original warranty of 24 months or less. Up to $10,000 in coverage
Up to $300 per trip for delays of more than 6 hours. Maximum 1 claim per 12-month period
Up to $2,000 per covered trip, $5,000 per account per 12-month period for eligible cancellations or interruptions
Up to $250 per claim for essential items when checked baggage is delayed. Maximum 2 claims per 12-month period
Up to $1,500 per incident for lost or damaged checked or carry-on luggage. Luggage considered lost after missing 10+ consecutive days. Maximum 2 claims per 12-month period
Secondary car rental insurance for rentals of less than 31 consecutive days. Must decline the rental company CDW. Secondary in country of residence, primary outside
Earn status tiers based on points earned: Blue (<25K), Silver (25K-49K), Gold (50K-99K), Platinum (100K+). Higher tiers unlock additional benefits
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