The free Bilt Calculator helps you understand how many Bilt Points you actually earn from rent, mortgage, and everyday spending under Bilt’s new 2.0 credit card lineup. It supports all three cards (Blue, Obsidian, and Palladium) and models both Option 1 and Option 2 reward systems. It can also compare earnings against other traditional cards like the Active Cash, Freedom Unlimited, Venture X, etc.
Instantly view monthly or annual point totals, effective earn rates per dollar spent, and how different spending levels impact your rewards. The calculator uses raw math to determine earnings on your spend, rather than headline multipliers or marketing assumptions.
Built to replace spreadsheets and guesswork, the calculator focuses on ongoing value—not sign-up bonuses or promotional edge cases.
