Bilt Rewards Just Got Way Better | Mortgage Points! Here's What Changed

Bilt just launched 3 brand new credit cards — and most people are going to pick the wrong one. In this video, I'm breaking down the Bilt Blue, Bilt Obsidian ($95/yr), and Bilt Palladium ($495/yr) so you know exactly which card matches your financial situation. This is the biggest credit card overhaul of 2026. For the first time ever, you can now earn points on your mortgage payments — no matter who your lender is. But the new Bilt Cash system, the tiered rewards structure, and the annual fees make this more complex than any card launch in recent memory. Most people are playing checkers with their credit cards. Let's play chess. ⏱️ TIMESTAMPS 00:00 — Why Bilt Card 2.0 Changes Everything 00:XX — Bilt Blue (No Annual Fee) — Who It's For 00:XX — Bilt Obsidian ($95/yr) — The Sweet Spot? 00:XX — Bilt Palladium ($495/yr) — Is It Worth It? 00:XX — What Is Bilt Cash & How Does It Work? 00:XX — Earning Points on Mortgage — Game Changer 00:XX — Which Card Should YOU Pick? 🔑 WHAT YOU'LL LEARN ✔ The difference between all 3 Bilt Card 2.0 tiers ✔ How the new Bilt Cash rewards currency works ✔ Whether earning mortgage points is actually worth it ✔ Who should upgrade — and who should pass ✔ How Bilt compares to Chase Sapphire and Amex