The Bilt Calculator helps you understand how many Bilt Points you actually earn from rent, mortgage, and everyday spending with Bilt’s three new credit cards: Blue, Obsidian, and Palladium. Instantly see monthly or annual point totals, effective earn rates, how Option 1/Option 2 compare to one another, and how other credit cards like the Double Cash shape up—using real math, not marketing assumptions.
Features
- Calculate Bilt Points earned from rent/mortgage payments and non-rent spend
- Model both Option 1 and Option 2 reward systems for earning points on housing payments
- View total points on a monthly or annual basis
- See your effective earn rate per dollar spent
- Compare Bilt cards against popular rewards cards like the Active Cash
- Handles edge cases like minimum spend thresholds & Bilt Cash limits
- Share results with friends
Use Cases
- Determine if and which of the three new Bilt Cards is best for you
- Understand whether Option 1 or Option 2 works better for your spending to earn points on Rent
- Estimate how many points you’ll earn before getting a Bilt card
- Compare Bilt’s real, effective earn rates against other credit cards
- Model different rent and spending scenarios without spreadsheets
Sponsors
BuyComments
Really handy tool! I love that it shows real Bilt Points earned on rent, mortgage, and everyday spend, and lets you compare Option 1 vs. Option 2. The ability to see monthly/annual totals and compare against other cards like Double Cash is super useful. Does it factor in annual fees or changes in spending mid-year?
Appreciate that this focuses on real math instead of marketing math. Most points calculators hide assumptions or default to best-case scenarios. The comparison between Option 1 / Option 2 and cards like Double Cash is especially useful — that’s usually where people get confused because headline earn rates don’t tell the full story. One thing that could make this even stronger: a short explanation of when each option makes sense (e.g. rent-heavy vs spend-heavy users). Overall, very practical tool for decision-making.
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Really handy tool! I love that it shows real Bilt Points earned on rent, mortgage, and everyday spend, and lets you compare Option 1 vs. Option 2. The ability to see monthly/annual totals and compare against other cards like Double Cash is super useful. Does it factor in annual fees or changes in spending mid-year?
Appreciate that this focuses on real math instead of marketing math. Most points calculators hide assumptions or default to best-case scenarios. The comparison between Option 1 / Option 2 and cards like Double Cash is especially useful — that’s usually where people get confused because headline earn rates don’t tell the full story. One thing that could make this even stronger: a short explanation of when each option makes sense (e.g. rent-heavy vs spend-heavy users). Overall, very practical tool for decision-making.
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