Bilt 2.0 Calculator

The Bilt 2.0 Calculator helps you accurately calculate how many Bilt Points you earn from rent, mortgage, and everyday spending under Bilt’s new (complicated) 2.0 credit card system. It supports all three Bilt cards (Blue, Obsidian, and Palladium) and models both Option 1 and Option 2 reward structures. The calculator shows monthly and annual point totals, effective earn rates per dollar spent, and how different spending levels impact your rewards. It also lets you benchmark Bilt’s real-world earn rates against other popular credit cards like the Venture X, Amex Gold, etc using transparent math rather than headline multipliers. Built to replace spreadsheets and guesswork, the Bilt Calculator focuses on ongoing value—not sign-up bonuses or promotional edge cases—so you can understand whether Bilt actually makes sense for your monthly spending.