Compared from 1,095 real customer reviews

Bilt Card vs Fidelity Brokerage Account vs Merrill Edge Self-Directed

Side by side from 1,095 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

76 signal

209 reviews

84 signal

807 reviews

67 signal

79 reviews

In short

Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.

Highly rated service with everything in one place; a sizable minority report held transfers.

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Specs

Type
Rent and travel rewards credit card
Fees
Three cards: Blue $0, Obsidian $95, Palladium $495 annual fee
Rates & rewards
Up to 1.25x points on rent and mortgage payments
Minimum
Not listed
Type
Brokerage account
Fees
$0 commission for online US stock and ETF trades
Rates & rewards
Uninvested cash in SPAXX: 3.57% 7-day yield (as of Nov 5, 2026; variable; not FDIC-insured)
Minimum
No minimum to open
Type
Brokerage account
Fees
$0 online stock, ETF and option trades; no annual account fees (options contract and other fees may apply)
Rates & rewards
Not listed
Minimum
No balance minimums

More comparisons

Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products