ByBilt launching three new credit cards in early 2026—a no-annual-fee option, a $95 mid-tier card, and a $495 premium card. Here’s everything we know so far, including benefits, issuer changes, and rewards on rent and mortgages.
Bilt Announces Three New Credit Cards Launching in Early 2026
In a major development for credit card enthusiasts, Built has officially confirmed the launch of three new credit cards set to debut in February 2026. The news was shared with Bilt cardholders via email and quickly circulated online, revealing exciting new options that cater to a wide range of users—from beginners to premium-level travelers.
Ben Hedges, aka The Credit Shifu, broke down the details in a recent video, shedding light on what to expect from Bilt revamped credit card lineup, aptly dubbed “Built Card 2.0.”
Three-Tier Bilt Card System: What We Know
Bilt upcoming trio of credit cards will be structured in a tiered system, offering increasing levels of benefits as you move up:
- No Annual Fee Card
- Ideal for newcomers or casual users.
- Expected to earn 1x point per dollar on rent and mortgage payments.
- Other bonus categories may include dining or travel, as indicated by previous surveys.
- Mid-Tier Card ($95 Annual Fee)
- Offers increased value with potential $170 worth of annual credits.
- Will likely include elevated point multipliers and expanded benefits.
- Premium Card ($495 Annual Fee)
- Designed for serious travelers and high spenders.
- Could include $380 in credits, Priority Pass lounge access, and possibly 1.25x points on rent and mortgage payments.
- Previously rumored to cost $550, the confirmed fee makes it slightly more accessible.
Confirmed: Mortgage Payments Will Earn Points
One of the biggest highlights is the confirmation that the new cards will allow users to earn points on both rent and mortgage payments, a highly requested feature. This puts Built in line with other innovative cards like the Messa Card, which already rewards mortgage payments.
Platform Transition: From Wells Fargo to Cardless
Another major shift involves the card issuer. Built is parting ways with Wells Fargo, its current issuing bank, and moving over to Cardless, a platform known for powering co-branded credit cards. Cardless recently partnered with American Express for the Coinbase card, and now it will handle the Built Card 2.0 rollout.
Current Built cardholders will be automatically transitioned to the new platform in February 2026, with more information on rewards, issuing partner, and benefits coming in early fall.
What Remains Unconfirmed
While annual fees for each card are now official, other key details—such as exact point multipliers, credit categories, and transfer partner availability—are still unconfirmed. Earlier surveys hinted at potential benefits, but until Built makes a formal announcement this fall, those details remain speculative.
Extra Ways to Earn Built Points
Even if you’re not a Bilt cardholder, you can still earn points:
- Dining Program: Link any credit card to earn 3x points at participating restaurants.
- Walgreens Purchases: Earn extra Built points by linking your card and shopping at Walgreens.
These programs are free to join and can help you rack up points without needing the Built card itself.
Final Thoughts
Bilt upcoming credit card lineup looks promising, particularly with the addition of mortgage rewards and a more customizable experience across three card tiers. The no-fee option will appeal to budget-conscious users, while the $495 premium card will target high spenders seeking luxury perks.
Stay tuned for further updates this fall, when Bilt will release full card details, reward structures, and transition instructions for current users.
Which Bilt card are you most likely to apply for? Let us know your thoughts in the comments.
