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Cardless (Bilt)

Bilt Blue Card

MileagePlus®Aeroplan®4% back in Bilt Cash on non-housing spend; fee-free rent/mortgage payments via Bilt

Annual fee $0

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Your result · $3,000/mo · 10% overseas · Aeroplan®
39,000miles/yr
Net value+$585
Rank#14 of 26

Earn by category

Dining & cafés12,400
Groceries5,400
Transport & fuel4,300
Online shopping7,200
Bills & subscriptions1,800
Travel & airfare4,100
Everything else3,700
Miles a year · total 38,900

Earn rules

CategoryConditionsRateMonthly cap
Base earn1 mi / $1
Dining & cafésBilt Dining partner restaurants (up to 4x)calculated as 5% of this category4 mi / $1None
Transport & fuelLyft rides (after linking Lyft and Bilt accounts)calculated as 10% of this category3 mi / $1None
Travel & airfareFlights booked through Bilt Travel, portal onlycalculated as 5% of this category2 mi / $1None
Travel & airfareHotels booked through Bilt Travel, portal onlycalculated as 5% of this category3 mi / $1None
Everything elseWalgreens (2x+, per Doctor of Credit)calculated as 3% of this category2 mi / $1None
  • Earns Bilt Points; calculated at 1 points = 1 mile
  • 1 mile ≈ 1.5¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.

Where these miles go

This card earns or transfers to these programs.

MileagePlus®United Airlines · 1 mile ≈ 1.2¢
Aeroplan®Air Canada · 1 mile ≈ 1.5¢Used in your result

Verified 2026-10-23 · Cardless (Bilt) disclosure·Report an error