The Column N.A. is a personal credit card from Column N.A.. The annual fee is $495 (each authorized user $95 per year). The ongoing APR is 26.74% to 34.74% variable, based on creditworthiness (Prime Rate + 19.99% to 27.99%; Prime 6.75% as of 01/14/2026; maximum APR 35.99%) after a 10.00% introductory APR on new card purchases that post during the first 12 billing cycles after account opening (each such purchase keeps 10.00% for 12 billing cycles after it posts) introductory rate. Approval typically requires a credit score of 670 to 850 (recommended, good to excellent) or higher. Signup bonus: 50,000 Bilt Points and Bilt Gold Elite Status after $4,000 in Everyday Spend (housing payments excluded) within 90 days of account opening, plus $300 in Bilt Cash on account opening. Rewards: 2X points on all eligible purchases except housing payments; up to 1.25X on rent and mortgage payments made through Bilt. Loan terms: Revolving; due date at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum interest charge $1.00.