Apple Card vs Bilt Blue
Side-by-side comparison
| Apple Card | Bilt Blue | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | $100 in Bilt Cash on account opening |
| Dining | 2x | 1x |
| Groceries | 2x | 1x |
| Gas | 2x | 1x |
| Travel | 2x | 2x |
| Streaming | 2x | 1x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $310 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Apple Card earns about $583 a year in rewards and the Bilt Blue about $310, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Bilt Blue has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Apple Card delivers more total value, about $224 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Bilt Blue earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the Bilt Blue if you will use travel transfers, the Apple Card if you want simplicity. On the sign-up bonus, the Bilt Blue currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Apple Card if your spending leans toward dining, groceries, gas.