Bilt Rewards Mastercard Review: Earn Up to 100,000 Points on Rent

Bilt is a platform for paying rent. The Bilt Rewards Mastercard is offering cardholders the opportunity to build credit and earn up to 100,000 points per year to pay rent with the card.

Having the credit cards offers members the ability to to pay their rent with Bilt and earn rewards. Even if your landlord does not accept credit card payments, you can set up payment to be sent out either via check or ACH (they give you a routing/account number to draw the rent from).

Bilt Rewards Mastercard

Update 10/29/24: If you’re paying rent the old fashioned way, sign up for the Bilt card to earn point rent! For the upcoming Bilt Day benefits:

• Now through 10/31/24, earn 2X points at grocery stores when you shop with your Bilt Mastercard®, up to 500 bonus points. Just make sure to use the card 5 times each statement period to earn these points.
• Enjoy a 50% up to 100% bonus when you transfer points to British Airways Avios on November 1st depeniding on your BIlt status.

Important: For the first day of each month, the Bilt Rewards card offers double rewards on Rent Day for 24 hours. For the upcoming rent day:

• Dining: 6x points (regularly 3x points)
• Travel: 4x points (regularly 2x points)
• All other purchases: 2x points (regularly 1x points)
• Rent: 1x

Bilt Rewards Mastercard Summary

Bilt Mastercard Learn More and Apply

Editor’s Note:  You must make a minimum of five purchases per statement period to earn rewards (a rent payment counts as one).

Bilt Transferrable Travel Partners

Points can also be transferred to travel partners at 1:1 ratio to the following travel partners:

• Aer Lingus (EI) Avios
• Alaska Airlines (AS) Mileage Plan
• American Airlines (AA) AAdvantage
• Air Canada’s (AC) Aeroplan
• Avianca (AV) LifeMiles
• British Airways (BA) Avios
• Cathay Pacific (CX) Asia Miles
• Emirates (EK) Skywards
• Air France (AF) FlyingBlue
• Iberia (IB) Avios
• Turkish (TK) Miles & Smiles
• Virgin Atlantic (VS) Flying Club
• HawaiianMiles (HA)
• United Airlines (UA) MileagePlus
• World of Hyatt
• IHG
• Marriott
• Hilton

Your points never expire and can be transferred in 2,000 point increment. This is the only card will give you points for paying rent and it doesn’t cost you anything extra.

You might as well get something if you continue to pay rent.

Bilt Card Details

• Card is issued in partnership with Wells Fargo Bank
• No foreign currency conversion fee
• Primary car rental insurance
• $800 of cell phone insurance
• Mastercard World Elite benefits
• Trip cancellation & interruption protection (up to $5,000)
• Trip delay reimbursement for a delay of 6 hours or more (max $200/day and $1,800 total)
• Purchase protection for damage or theft (up to $10,000)
• Upon approval, you get an instant virtual card number from the Bilt app which can be used digitally until the physical card comes
• Cardholders will earn 2x points on all travel purchases made through the Bilt Rewards Travel Portal powered by Expedia
• The card is metal

Bottom Line

The Bilt Mastercard offers a lot of perks and benefits that you do not want to miss out on. If you qualify, consider signing up for this card today!

Bilt members have a chance to earn additional bonus points when they complete successful referrals! For each person you refer successfully using your unique invite link, you’ll get 2,500 points. Every 5th successful referral gets you an additional 10,000 points – up to 2 million bonus points.

Feel free to leave your comments below, we would love to hear your feedback.

If you don’t think this card suits your needs, make sure to also visit HMB to explore more credit card bonuses and keep up with the latest bank bonuses.

For more, see our list of the most updated Bilt Rent Day Promotions!

Editor’s Note: Check your email for an offer on the Bilt Rewards credit card: Subject: “Earn 5K bonus points this month”

• Get up to 5,000 bonus points for using your Bilt Mastercard with any of these eligible merchants: AT&T, Verizon, Sprint, T-Mobile, Comcast, Xfinity, Spectrum, Spotify, Netflix, and Hulu.

Update 5/15/24:

• Bilt Rewards, the nation’s leading loyalty program that rewards consumers on rent and neighborhood spend, is thrilled to announce a landmark partnership with Alaska Airlines. Bilt Members can now transfer points 1:1 into Alaska miles, redeemable for flights on Alaska Airlines and its extensive network of oneworld partners. Sign up for the Bilt card today!

Update 6/26/23: This offer becomes available on June 27th in the Bilt app.

• Link your Lyft account with the Bilt rent app (free to signup) and you can get the following offer:
  • Anyone with the free Bilt app can get a $10 Lyft credit.
  • Bilt Mastercard credit cardholders can get $20 Lyft credit.
  • Take a ride on July 1st to receive an additional $5 credit.
• After linking accounts, you must select ‘Activate Credits’ in the Rent Day tab. Activation will become available on June 27, 2023 and continue through July 1, 2023.
• The Lyft ride credit ($10/$20) will show under ‘Lyft Pass’ in the Payment section of the Lyft app.
• Credits can take up to 72 hours to show up and will be valid for 90 days.

Update 6/15/23: Bilt Reward sent out a targeted spend offer for June 14 through August 13, 2023 to earn 5x points in one of the following categories:

• Amazon.com (see terms)
• Select food delivery services: : DoorDash, Grubhub, UberEats, Caviar, and Seamless. (see terms)
• Phone and internet bills (see terms)

The bonus is for 4X bonus points on top of the regular 1x earn. It is capped at 5,000 points which corresponds to $1,250 in net purchases.

Update 5/18/23: It appears that Bilt has amended their terms to limit one rent payment per 30-day period. The transaction monitoring is designed to help prevent abuse and non-rent transactions from earning points with no fees.

You acknowledge that Bilt has a policy whereby it may hard reject (i) any individual rent payment in an amount over $20,000 (unless you contact Bilt at support@biltrewards.com for approval prior to initiating the transaction) and (ii) any attempt to make more than one rent payment to one payee within a 30 day period (exclusive of NSFs or blocked or returned payments). Rejected payments may result in you incurring fees or penalties from your property manager or other third party service providers.

Update 5/4/23: If you apply and get approved for the Bilt Mastercard, you will receive an email with the bonus offer on the same day that the card is delivered. The offer states that you will earn a total of 5X points on all eligible purchases for the first 5 days, up to a maximum of 50,000 bonus points. This promotional offer is only valid for 5 days from the date you receive this email, so it’s best to time your application well. Maybe you can make a tax payment for example.

Update 4/19/23: Bilt Members can earn 5X Bilt Points when eating at a Bilt Dining restaurant. You just need to be a Bilt Rewards member (free). Cardholders get an even better offer as they can earn 3X when paying with a Bilt Mastercard, for a total of 8X points. Currently limited to the following areas: Atlanta, Boston, Chicago, Dallas, & New York City.

• Check out the Dining tab in your account to browse restaurants.
• You can filter by location, cuisine, and price range, or let us make it easy and choose from Bilt’s curated “Best Ofs”
• Add an eligible card to your Bilt Wallet, use that card to pay for your meal at a Bilt Dining restaurant, and you’ll earn 5X points. You’ll also earn 3X when paying with a Bilt Mastercard®, for a total of 8X points.

You can also earn 100 bonus points for adding a card into your Bilt Wallet, up to a maximum of 300 points.

Update 4/11/23: Points cap has been increased from 50,000 to 100,000.

Update 3/28: Bilt Rewards is offering free Hyatt Explorist status for 90 days and the ability to keep Explorist status or upgrade to Globalist status through February 2025 with stays. To complete this deal you must:

• Bilt members must join the World of Hyatt loyalty program here if they don’t have an account already
• Link your Bilt Rewards and World of Hyatt accounts in the Bilt app under the “Travel” tab
• Between March 28 and April 1, choose “Unlock World of Hyatt Elite Status” on the Rent Day tab in the Bilt app
• Receive confirmation by April 17 of your World of Hyatt Explorist status and enjoy exclusive benefits for 90 days through July 16
• Complete 10 qualifying nights between April 17 and July 16 to keep Explorist status through February 2025, or complete 20 qualifying nights to earn Globalist status through February 2025

Update 3/8: Bilt has announced a partnership with Lyft that involves:

• All members: Earn 2x Bilt Points on Lyft rideshare when you link your Bilt Rewards and Lyft accounts.
• Cardholders: Earn 5x Bilt Points once you’ve linked your Bilt and Lyft accounts, set Bilt as the active loyalty rewards partner, and use your Bilt Mastercard to pay for Lyft rideshare (this includes the 2x above)
• If you link your Bilt account you won’t be able to earn points with other programs (e.g Hilton, Alaska)

Update 2/27: On March 1, 2023, Bilt Rewards will be offering a 50% bonus when redeeming points on Amazon.

Bilt Mastercard Learn More and Apply

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