Apply for the Bilt Mastercard

The Bilt Mastercard® is an innovative credit card designed to simplify the process of earning rewards, particularly for those who wish to accumulate loyalty points through everyday expenses such as rent payments.

With this card, you can earn points for traveling, shopping, and even saving on rent without incurring extra fees.

The Bilt Mastercard® stands out as the first credit card that allows you to earn points by paying rent without additional charges, offering a unique advantage for those looking to optimize their financial management.

Is This Card the Best Option for You?

The Bilt Mastercard® is an excellent choice for individuals who want to earn loyalty points while making everyday purchases, particularly for rent payments.

Here’s who can benefit from this card:

1. Renters: If you pay rent, the Bilt Mastercard® is ideal because it allows you to accumulate points on rent payments with no additional fees. This is a significant benefit for those with fixed monthly rent costs, as these payments can generate points that can be redeemed for travel rewards, products, or discounts.
2. Frequent travelers: The card allows you to earn Bilt points, which can be transferred to various airline and hotel loyalty programs—a significant advantage for those seeking travel perks.
3. Frequent shoppers at major retailers: The Bilt Mastercard® also offers points on everyday purchases such as groceries, dining, online shopping, and other establishments. It’s advantageous for those who make regular purchases and want to earn rewards on all transactions.
4. Individuals seeking a no-annual-fee option: The card has no annual fee, making it more accessible for those seeking benefits without additional costs.

If these aspects align with your needs and you want a smart way to maximize rewards, the Bilt Mastercard® could be the perfect choice for you.

Negative Aspects to Consider

While the Bilt Mastercard® has several positive features, there are a few downsides you should consider before applying:

1. Limited point transfer options: Although the card offers good point transfer options to loyalty programs, the number of transfer partners is still limited, which may restrict redemption options for some users.
2. High interest rates: The Bilt Mastercard® charges a variable interest rate ranging from 15.99% to 22.99% (APR), depending on your credit history. This can be inconvenient if you plan to carry a balance from one month to the next.
3. Low rewards for some categories: While the card offers 2 points per dollar on rent payments, other purchases—such as groceries or dining—earn only 1 point per dollar, which is a lower reward rate compared to other cards with bonuses across multiple categories.
4. Rent payment restrictions: While earning points on rent payments is advantageous, the Bilt platform requires rent payments to be made through Bilt Rent. This could be limiting if your landlord or property manager is not registered with this system.

These aspects may not be significant for everyone, but they should be taken into account before applying for the Bilt Mastercard®.

How to Apply for the Card?

Start Your Online Application

• Visit the Official Website: Go to the official Bilt website or the dedicated page for the Bilt Mastercard. This ensures you receive accurate, up-to-date information.
• Click on “Apply Now”: Locate the “Apply Now” button to initiate your secure online application.
• Gather Required Information: Have your personal details (such as your full name, address, and Social Security number) and financial information (such as income and employment details) handy.

Complete the Application Form

• Fill Out Your Personal Information: Provide all the required details accurately, including contact information, employment status, and income.
• Enter Rent Payment Details (if required): Some sections may ask for information regarding your monthly rent or rental history so that your rewards on rent can be set up properly.
• Review the Terms and Conditions: Take time to carefully read the application’s terms, conditions, fees, and disclosure statements.
• Submit the Application: Once you have reviewed and confirmed that all the information is correct, submit your application.

Bilt Credit Card

Application Tracking

After submitting your application for the Bilt Mastercard®, you can track the status of your request on the official Bilt website, where you can quickly check if your application has been approved or is still pending.

The approval process is usually fast, and applicants can often receive a real-time response.

Costs Associated with the Credit Card

While the Bilt Mastercard® offers many benefits, it’s essential to be aware of some fees associated with using the card:

1. Interest rate (APR): The Bilt Mastercard® has a standard APR ranging from 15.99% to 22.99% (variable), depending on your credit profile.
2. Foreign transaction fee: The card charges a 3% foreign transaction fee, which could be inconvenient if you plan to use the card during international travel.
3. Late payment fee: If you fail to pay your credit card bill on time, a late payment fee of up to $40 may be charged, depending on the issuer’s policy and your payment history.
4. Cash advance fee: If you make a cash advance, a fee of 5% of the advance amount will be charged, in addition to a high interest rate on the balance.

These costs are common with many credit cards, so it’s essential to avoid these charges by staying on top of your payments.

Frequently Asked Questions about the Credit Card

1. What are the main benefits of the Bilt Mastercard®?
   The Bilt Mastercard® offers 2 points per dollar on rent payments (without additional fees) and 1 point per dollar on other purchases. Additionally, you can transfer points to airline and hotel loyalty programs.
2. Does the Bilt Mastercard® have an annual fee?
   No, the Bilt Mastercard® does not have an annual fee, making it a cost-effective option for those seeking rewards without yearly charges.
3. How can I use the points earned with the Bilt Mastercard®?
   Points earned with the Bilt Mastercard® can be redeemed for hotel stays, flights, product purchases, discounts on rent, and other rewards.
4. How do I pay rent with the Bilt Mastercard®?
   You can pay your rent directly through the Bilt Rent platform, an exclusive tool for rent payments that lets you earn points in the process.
5. Does the Bilt Mastercard® offer travel rewards?
   Yes, the card provides travel rewards through points that can be transferred to airline and hotel partners for exclusive travel benefits.

Contact Information for the Card Issuer

For assistance or more information about the Bilt Mastercard®, you can contact the issuer, Bilt Technologies, through the following methods:

• Phone: Call 1-833-456-3498 for customer service.
• Website: Visit the official Bilt Mastercard® website at www.bilt.com for more information.
• Live chat support: Use the live chat option available on the website for quick answers.

The Bilt Mastercard® is an excellent option for renters who want to earn rewards without extra costs.

With the ability to transfer points to airline and hotel loyalty programs, the card offers valuable benefits for travelers and frequent shoppers.

Although there are some limitations, such as interest rates and foreign transaction fees, the Bilt Mastercard® remains an attractive choice for those seeking flexible rewards and easy rent payment options.

If you’re a renter looking to maximize rewards, the Bilt Mastercard® could be a highly beneficial choice.