Bilt Blue Card rates and fees

Bilt Blue Card rates and fees, as filed by Column, carries a purchase APR of 26.74%–34.74%, no annual fee and a 10% introductory rate. The purchase rate sits at roughly the 81st percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

What follows is drawn entirely from Column's CFPB filing for Bilt Blue Card rates and fees. The filing runs three pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

The promotional period

For the first 12 months the filing sets a reduced rate of 10%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 10% sits at about the 93rd percentile.

Behind the promotion sits a 34.74% purchase rate. On $3,000 that is in the region of $1,245 a year once the window closes.

How the purchase rate compares

This is a tiered agreement: the filing discloses a purchase APR anywhere from 26.74% to 34.74%, a spread of 8 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 70th percentile at the bottom and the 81st at the top.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

The cost of carrying a balance

A $4,000 balance left untouched for twelve months accrues about $1,661 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $677 more per year.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 31.74%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 26.74%. On $1,000 that fee is about $50 before any interest is charged.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Default pricing

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

How it sits in the issuer's own range

10 separate Column filings appear in the corpus. The issuer's own range is 33.49%–34.74%. At 34.74%, this agreement is dearer than 2 of its siblings.

On fees, 1 of the 4 sibling filings that disclose an annual fee also set it at zero — this one is among them.

Reading the agreement yourself

The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The defining fact about this filing is the purchase rate: at 34.74% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.