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Bilt Credit Card Review

The wait is over: finally you can get a credit card that lets you earn points on rent and gives plenty of perks. Discover the Bilt Credit Card.

Bilt Credit Card
Source: Bilt Credit Card

Everybody knows that, most of the time, it’s not possible to pay rent directly with a credit card. And when it is, the landlord or third-party payment processors will probably charge abusive processing fees. Now, imagine earning rewards every time you pay your rent.

The Bilt Credit Card not only allows you to pay your rent by credit card, and not only earn points doing it, but on top of that not charging you anything. Made for renters looking to get rewarded for their monthly payments, you’d never imagine that paying rent would be a great way to build a stash of points for the vacation you’ve always wanted to take.

Bilt Credit Card
High rewards rate 15,000 bonus points
Redeem the most valuable rewards
APPLY NOW You will be redirected

Pay rent and earn rewards

With this credit card you can earn points through rent payments and bonus spending categories everytime you make at least five transactions per statement. This is something pretty easy to achieve, since there’s no minimum spend for these transactions.

Otherwise, you’ll get only 250 Bilt points on your rent payment. So, don’t waste the opportunity and use your Bilt Credit Card to pay for even every little purchase you make, such as your daily coffee or a pack of gum.

Bilt cardholders can rack up points really fast:

  • 5 points per dollar on Lyft rides.
  • 3 points per dollar on dining.
  • 2 points per dollar on travel (when booked directly with an airline, hotel, car rental or cruise company or through the Bilt travel portal).
  • 1 point per dollar on rent (up to 100,000 points per calendar year.)
  • 1 point per dollar on everything else.

Plentiful, flexible redemption options

What do you think about paying your next month’s rent with the points you earned paying your last rent? Bilt Credit Card not only allows you to do that, but you can also redeem your rewards in other ways: 

  • Rent: the points used will vary by building and management company
  • Travel: flights, hotels and activities. Also, you have complimentary access to the and Awayz award search tools through the Bilt app.
  • Fitness classes: group fitness classes or subscriptions with SoulCycle, Rumble Boxing, [solidcore] and Y7 Studio.
  • Merchandise: amazon, limited-edition art, home decor and apparel pieces.
  • Future home down payment: use your Bilt Rewards points toward a down payment on a future home when the financing is through Bilt.
  • Bilt Rewards status: Points earned with the Bilt Mastercard will also count towards your Bilt member status.

Bilt Credit Card benefits

Double points on rent day

Now you can really enjoy your rent payment day. On the first day of every month, your earning potential is higher. You’ll double the points on every spending category, except rent (rent payments will remain 1X). This means getting 6x on dining, 4x on travel and 2x on all other purchases.

Bilt Rewards Alliance

The Bilt Rewards Alliance is a network made up of eligible Bilt Rewards rental properties. If you live in properties in the Bilt Rewards Alliance and have a Bilt Credit Card, you can earn up to 100,000 Bilt Rewards per year. You only have to use the card five times each statement period to earn those points.

Earn interest on your points

There’s different ways to boost your earnings, such as bonus points through the Bilt Rewards Program. This program has 4 member categories (Blue, Silver, Gold and Platinum) and the more points you earn in a calendar year, the more you upgrade your member status. Once you reach the Silver Status, you can earn interest on your stash of points. In other words, each month, you’ll receive interest in the form of bonus points based on your average daily points balance for each 30-day period.

Primary auto damage collision damage waiver:

This coverage for sure stands out from all the other $0-annual-fee credit cards and once again makes Bilt Credit Card unique. Everytime you use this credit card on rental vehicles, you’ll get free primary auto insurance.This coverage helps you to avoid paying extra fees at the rental counter, saving you a lot of money!

Cell phone protection

If you pay your cell phone monthly statement with a Bilt Credit Card, you can get up to $800 in cell phone protection in case your phone is damaged, stolen or involuntarily lost. There is a $25 deductible, but it’s as low as you’ll find on any card.

Trip cancellation/interruption protection

You’re all set for your journey, but sometimes things don’t go as planned and your flight gets delayed or canceled. Not to worry! The Bilt Credit Card has got you covered. Another great perk of Bilt is that you can receive up to $5,000 reimbursement for eligible reasons such as severe weather, mechanical issues with the carrier, or delays due to air traffic control. If your flight is delayed for at least 6 hours, you’ll receive up to $200 per day, with a maximum of $1,800. Just remember to use your Bilt Credit Card when booking your flight.

No foreign transaction fee

Are you traveling or buying online from another country? This card will be a saver when it comes to spending money abroad. It doesn’t matter if you are doing it physically or online, Bilt Credit Card doesn’t charge you any fee on international purchases. You’ll be able to save even more on currency conversion.

Mastercard benefits

Bilt Credit Card is not a simple Mastercard credit card. Have you ever imagined having a no-fee credit card which offers all World Elite Mastercard benefits? With Bilt Credit Card you can have discounts on select streaming services; access to select hotel, flight and car upgrades; gold concierge access; ID theft protection; zero liability fraud protection; emergency assistance, and more.

Who can apply?

Bilt Credit Card
Source: Bilt Credit Card

To qualify, you must be at least 18 years and live in the U.S or its territories. Though anyone can apply, the card requires a higher credit score. So if you’re building credit, you might have to sit the bench on this one until you qualify.

How to apply?

Applying for a Bilt Credit Card is easier than you think:

  1. Go to the Bilt Credit Card website
  2. Click on Apply Now
  3. Read Terms and Conditions
  4. Fill your personal and financial details
  5. Submit your application

Frequently asked questions

Is it easy to get approved for the Bilt Mastercard?

It will depend on your credit score. This credit card requires good to excellent credit for approval. 

Does Bilt Mastercard help your credit score?

If you pay your credit card bills on-time, Bilt Mastercard can help your credit score since it will be reported to the credit bureaus.

Can I use Bilt Mastercard to pay rent?

Yes and that’s what it was made for. You can pay your rent  and earn rewards on every payment using this credit card.

Can I pay my mortgage with Bilt Mastercard?

No. It’s not possible to pay your mortgage.

Bilt Credit Card
High rewards rate 15,000 bonus points
Redeem the most valuable rewards
APPLY NOW You will be redirected

Debora Roque

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.