Bilt Blue

Bilt Blue is worth a look if you want a no-annual-fee card that earns Bilt Rewards points and avoids foreign transaction fees. That combination gives it some appeal as a simple everyday card, a backup travel card, or a starter option for someone who prefers points over cash back without paying an annual fee.

The tradeoff is that the card does not bring a big upfront bonus or a standout rewards rate on everyday spending. Most of the value comes from keeping costs at zero while picking up modest extras like the monthly Lyft credit, Peacock credit, and phone protection. If you want a card to carry long term with no fee and a few useful side benefits, it fits well. If your main goal is to maximize everyday rewards, stronger earners are easy to find.