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 REI Co-op® Mastercard® (no annual fee) comes down to where you spend most. Neither card has an annual fee, and REI Co-op Mastercard earns at least as much as Bilt Blue Card in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. 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 Now5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Blue Card | REI Co-op Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $100 after $1 spend in 2 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1.5% |
| 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). | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. |
REI Co-op Mastercard 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.