Which Bilt credit card should you apply for? Here's how the Blue, Obsidian and Palladium compare

While the original Bilt Mastercard® (no longer available) was sunset in February 2026 , Bilt did so while also rolling out multiple other options. Bilt now offers three rewards credit cards that allow you to earn rewards on your rent or mortgage payments. While Bilt's program can be a little more complex than simple cash-back cards, the Bilt Points these cards earn (and the Bilt Cash and credits they offer) can be very rewarding. CNBC Select highlights all three Bilt credit cards to help you decide if you want to apply, and if so, which one would be the best fit for your lifestyle. Who are Bilt credit cards for? The Bilt credit cards were designed with housing rewards in mind. Using any of the three Bilt cards, you can pay your rent or mortgage with your credit card with no transaction fees and earn rewards on that spending. Each card provides two ways to earn rewards: Housing-only rewards or flexible Bilt Cash. The housing-only option is exactly what it sounds like; instead of earning Bilt Cash, you can earn up to 1.25X points on housing payments. …