Choosing between the Bilt Card (Blue) (no annual fee) and the Gemini 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 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 Card (Blue) | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 2% |
| Gas Rewards | 1% | 4% (up to $3,600/yr) |
| 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.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.