Bilt Mastercard vs Citi Double Cash
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1x
vs
2%
Sign-Up Bonus
None
vs
$200
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 21.49% – 29.49% | 18.49% – 28.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | 0% · 18 mo | |
| Foreign Txn Fee | None★ Lowest | 3%✗ Highest |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Points | Cashback |
| Base Rewards Rate | 1x✗ Lowest | 2%★ Highest |
| Bonus Categories | 3x Dining · 2x Travel · 1x Rent payments | |
| Sign-Up Bonus | ✗ Lowest | $200 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Mastercard | Mastercard |
| At a Glance | ||
| Best For | Renters wanting to turn monthly rent into travel rewards | Maximizing flat-rate cash back |
| Ratings | ||
| User Rating | 4.6 / 5★ Highest | 4.6 / 5 |
| Editor Score | 9 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our Verdict
Different use cases: rent rewards vs. flat-rate simplicity. The Bilt Mastercard is the only card that earns points on rent payments with no fee, plus 3x dining, 2x travel, 1x everything else, and transferable points. The Citi Double Cash earns 2% on everything with zero categories to track. If you pay rent: Bilt is an automatic pick (earning points on rent alone can be $2,000+ in value per year). If you don't pay rent, the Double Cash's simple 2% may earn more on general spending.
Winner: Bilt Mastercard
Earning points on rent is irreplaceable — no other card does this
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Common Questions
Which is better: Bilt Mastercard or Citi Double Cash?
It depends on your spending habits. The Bilt Mastercard has no annual fee and earns 1x base rewards. The Citi Double Cash has no annual fee and earns 2% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Bilt Mastercard and Citi Double Cash?
The Bilt Mastercard has no annual fee while the Citi Double Cash has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Bilt Mastercard and Citi Double Cash?
Yes, since these cards are from different issuers (Wells Fargo and Citi), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.