The Bilt Mastercard® is a unique credit card designed specifically for renters, offering a way to earn rewards on rent payments without any fees.
This card is a game-changer for individuals who rent their homes and want to take advantage of the opportunity to earn points for one of their largest monthly expenses.
Unlike traditional credit cards, the Bilt Mastercard® allows you to earn rewards on rent payments, with no processing fees, and it provides various other benefits on every purchase.
With no annual fee and an extensive rewards program, the Bilt Mastercard® offers cardholders the chance to earn Bilt Rewards, which can be redeemed for travel, rent credits, or even deposited into a savings account.
Whether you’re paying rent, groceries, or dining out, this card ensures that every dollar spent gets you closer to a valuable reward.
About Bilt Rewards
Bilt Rewards is the rewards program that powers the Bilt Mastercard®, offering flexibility in how you use the points you accumulate.
The program allows you to earn points not only from your rent payments but also from other everyday expenses.
You can redeem your points for travel, flights, hotel stays, or even rent credits to reduce your housing expenses.
Furthermore, Bilt has partnerships with popular travel and lifestyle brands, offering special redemption options to maximize the value of your points.
This rewards program is unique in the way it allows renters to earn points on something that typically doesn’t generate rewards, making it an excellent tool for those who want to benefit from their rent payments while also saving money on other purchases.
Who Is This Card For?
The Bilt Mastercard is perfect for:
- Renters Looking to Maximize Rewards: If you pay rent each month, this card allows you to earn rewards on your largest monthly expense. Whether you live in a city or suburban area, the Bilt Mastercard® helps you earn points on rent without paying any extra fees.
- Travel Enthusiasts: With the option to redeem points for travel expenses, the card is ideal for those who want to earn travel rewards and enjoy discounts on flights, hotels, and car rentals.
- Frequent Shoppers: Earn points not only on rent but also on everyday purchases like groceries, dining, and entertainment, helping you rack up points quickly.
- Those Looking for a No-Fee Credit Card: With no annual fee, this card is great for anyone looking to earn rewards without worrying about paying extra charges each year.
- People Seeking Flexibility in Rewards: The ability to redeem rewards for rent credits or transfer points to travel partners gives cardholders significant flexibility, making it an appealing choice for various types of spenders.
Advantages of the Bilt Mastercard
The Bilt Mastercard® comes with a variety of advantages, making it a top choice for renters and reward seekers alike:
- Earn 1 Point per Dollar on Rent Payments: One of the key features of the Bilt Mastercard® is that it allows you to earn 1 point per dollar on rent payments, up to $50,000 annually, with no processing fees. This feature alone sets it apart from other credit cards and makes it highly valuable for renters.
- Earn Points on Other Purchases: In addition to rent, you can earn 1 point per dollar on all other purchases, such as dining, entertainment, and everyday shopping, and 2 points per dollar on travel-related expenses.
- No Annual Fee: The Bilt Mastercard® comes with no annual fee, meaning you can earn rewards without worrying about paying for the privilege.
- Earn 2 Points on Travel: Whether you’re booking flights, hotels, or car rentals, earn 2 points per dollar on travel-related purchases, helping you quickly accumulate more rewards.
- Flexible Redemption Options: Points can be redeemed for a wide variety of rewards, such as travel, rent credits, or deposits into a savings account. You can also use your points for gift cards, fitness memberships, and more.
How to Use the Bilt Mastercard Effectively
To maximize the benefits of the Bilt Mastercard®, follow these tips:
- Pay Your Rent with the Card: Since you can earn points on rent payments, use the Bilt Mastercard® to pay your rent each month, which is typically a large expense. You’ll earn points with no processing fees, allowing you to rack up rewards quickly.
- Use the Card for Everyday Purchases: Take advantage of the 1 point per dollar on other purchases, including dining, groceries, and entertainment. The more you spend, the more points you’ll earn.
- Book Travel with the Card: Earn 2 points per dollar on travel-related purchases, such as flights, hotel bookings, and car rentals.
Fees and charges
Late Payment: Up to $40;
● APR: 20.49% - 28.49%;
● Balance Transfer Fee: Up to 5% for each balance transfer, with a minimum of $5;
● Cash Advance: Either $10 or 5% of the amount of each advance.
Expert review
The Bilt Mastercard is an innovative option, ideal for renters who want to earn rewards while paying rent without extra fees.
It offers 1 point per dollar on rent payments, along with 2 points per dollar on travel and dining purchases.
The card comes with no annual fee and provides access to exclusive perks such as points transfer to travel partners.
However, it lacks a welcome bonus and foreign transaction fees can add up for international use.
Despite that, it stands out as a strong rewards card for renters and frequent travelers.
You will remain on this site
+Positive points
- No annual fee, making it an accessible option for those who want to earn rewards without additional costs.
- 1 point per dollar on rent payments, allowing you to earn rewards on everyday expenses.
- 2 points per dollar on travel and dining purchases, offering great opportunities to accumulate points in popular categories.
- Points transfer to travel partners, expanding redemption options for travel rewards.
- Exclusive benefits for cardholders, including access to special experiences and offers.
- Negative points
- Lack of welcome bonus, which may reduce the initial appeal for new users.
- Foreign transaction fees, which can be a drawback for frequent travelers.
- Rewards limited to certain categories, which may not suit all types of consumers.
