Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Card (Blue) (no annual fee) and the Bank of America® Unlimited Cash Rewards credit card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Card (Blue) | Bank of America Unlimited Cash Rewards |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 1.5% |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. |
Bank of America Unlimited Cash Rewards wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.