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 Gemini Credit Card® (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Gemini earns at least as much as Bilt Blue Card in every category, more on dining, groceries and gas. 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 $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Blue Card | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 2% |
| Gas Rewards | 1% | 4% (up to $3,600/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%. |
None |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Gemini Credit Card wins on 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.