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Bilt Blue Card vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.2/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 17.49% - 27.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | None publicly listed |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| View Details → | View Details → |
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Verdict
Our Pick: Bilt Blue Card
Both cards tie at 4.2/5, but No annual fee makes it easy to justify. The Bilt Blue is the only no-fee card that earns rewards on rent and mortgage payments. With transfer partners like Hyatt and airlines, the points can be worth 2cpp+ for travel.