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 Blue Card (no annual fee) and the Costco Anywhere Visa® Card by Citi (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Costco Anywhere Visa earns at least as much as Bilt Blue Card in every category, more on dining, gas, flights, hotels and other travel. Enter your monthly spending above to see which comes out ahead for you.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Blue Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Gas Rewards | 1% | 4% (up to $7,000/yr) |
| Rates with conditions not counted in the rows above |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
5% on gas at Costco Earns 5% only on gas at Costco, within the same $7,000 yearly cap as other gas. Other gas stations earn 4%. 2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Costco Anywhere Visa Card by Citi wins on travel, dining, 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.