Bilt
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
21,000 points a year at 1.25¢ = $263, $300 of credits you'd actually use, minus the $495 annual fee = $68 a year. The 50,000-point welcome bonus adds $625 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 3× Bilt Rewards | none |
| Flights, hotels and transport | 2× Bilt Rewards | none |
| Groceries | 1× Bilt Rewards | none |
| Everything else | 1× Bilt Rewards | none |
As Obsidian, plus mortgage earning.
Bilt Rewards points are worth about 1.25 cents each on our published table, our own. What Bilt Rewards points are worth →
50,000 Bilt Rewards — about $625 — after $4,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Also includes Bilt Gold status and $300 of Bilt Cash.
Credits count for $300 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $300 of Bilt Cash in the first year.
We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.