Bilt is known for rewarding housing payments and has expanded its offerings with three Mastercard credit cards serviced by Cardless. According to the reviews, the card lineup includes the Bilt Blue Card, which comes with no annual fee; the Bilt Obsidian Card, which charges a $95 annual fee; and the Bilt Palladium Card, which has a $495 annual fee. The articles also note that earlier this year Bilt makes major changes to its rewards structure, placing increased focus on how these cards can be used for housing-related rewards. While each review examines a different card option—positioning Blue as a potential fit for users who want a no-annual-fee entry point, Obsidian as a lower-cost alternative, and Palladium as a higher-end product—the sources consistently describe the same overall setup: Bilt’s housing-payments rewards ecosystem paired with three Mastercard cards and Cardless servicing. The articles present these cards as options for consumers interested in Bilt’s housing rewards, with annual fee levels varying substantially by tier.