9 Unusual Features of the Bilt Credit Cards (That Might Give You Pause)
NerdWallet
by Jae BrattonFebruary 26, 2026
AI-Generated Deep Dive Summary
The Bilt credit cards are designed with a level of complexity that can be overwhelming for even the most dedicated credit card optimizers. Known for their unique and often unusual features, these cards aim to cater to high-income individuals seeking premium rewards but come with significant drawbacks that might make you think twice before applying.
One of the standout features is the card's 10x points on groceries and dining, capped at $5,000 annually. While this offers a substantial reward opportunity for frequent grocery shoppers, it’s worth noting that only eligible purchases count toward this cap. Additionally, the cards offer variable annual percentage rates (APRs) tied to your credit score, ranging from 18.99% to 23.99%. This dynamic APR structure is unusual and could be a red flag for those with fluctuating credit scores.
The Bilt cards also have an annual fee that ranges from $295 to $595, depending on the version you choose. Compared to other premium cards like the Chase Sapphire Reserve or American Express Gold, these fees are higher, which might deter some users despite the rewards potential. Furthermore, the card’s complex rules and requirements—such as earning a massive sign-up bonus of up to 60,000 points—mean that it’s not ideal for everyone.
For finance enthusiasts and credit cardholders looking to maximize rewards, understanding whether these features align with your financial habits is crucial. While Bilt cards offer appealing benefits, their high fees and stringent requirements make them a niche product. Whether they’re worth the trade-off depends on your spending
Verticals
financepersonal-finance
Originally published on NerdWallet on 2/26/2026