Advertiser Disclosure

Bilt Mastercard®

Learn More
Rates and Fees

Bonus Miles
Bonus Points
0
Recommended Credit
670 - 850
This card does not offer a welcome offer.
0
Bonus Points

None 😮

Summary

Don't be scared off by the fact that this card doesn't come with a welcome offer—you might find you can get just as much or more value as the cards that have hefty sign up offers—including its awesome monthly promos. Additionally, Bilt is the only card out there that lets you earn points just for paying your rent (up to 100,000 points each calendar year), no transaction fees attached. They also have some competitive rewards to begin with, but those rewards are doubled on the first day of every month (excluding rent, up to 1,000 points per month), allowing you to squeeze even more value out of every dollar you spend, if you use the card 5 times each statement period to earn points. Oh, and did we mention they have more than a dozen hotel and airline transfer partners? For a $0 annual fee card it really doesn't get better than this.

Earning Rewards

[.redeem]3x[.redeem] per $1 for dining purchases

[.redeem]2x[.redeem] per $1 on travel purchases

[.redeem]1x[.redeem] per $1 on rent payments without the transaction fee, up to 100,000 points per calendar year

[.redeem]1x[.redeem] per $1 on other purchases

Use the card 5 times each statement period to earn points. Select "Learn More" to learn about the product features, terms, and conditions.

Additional Benefits

  • Bilt Rent Day: Earn double points on the first of every month (excluding rent, up to 1,000 points per month)
  • Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
  • Travel Protection: Includes trip cancellation/interruption insurance and travel accident insurance.
  • Purchase Protection
  • Cell Phone Protection
  • No Foreign Transaction Fees

Foreign Transaction Fee

  • None

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$300 Travel Credit + 60,000
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The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
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Bilt Mastercard®

Our Score
82
Annual fee (20%)
10
Welcome Offer (20%)
1
Point Redemption Value (20%)
9
Rewards Rates (15%)
10
Benefits (15%)
2
Travel Protections (10%)
6
Our Mission
Our Methodology

My Take

The Bilt Card is a must-have for renters! I’ve been maximizing points on my rent for years and while the extra fees for using a card have always been worth it, it didn’t make those fees any less painful. Enter Bilt. I earned over 80,000 points in my first year thanks to normal spending, rent, and all of the (very fun) bonuses they offer. There are so many hidden ways to earn points. Not to mention they have some of the best transfer partners in their family (ahem… looking at you Hyatt). Don’t let the no signup offer steer you away either because there might be a little treat in store for you when you get yours… maybe… no promises ;)

We love this card so much that we have a dedicated YouTube video showcasing its benefits. Check it out here 👇

Comparable Cards

Chase Freedom Unlimited®

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
Up to $300
Cash Back
OUR SCORE
82

Blue Cash Preferred® Card from American Express

$0 intro annual fee the first year, then $95

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WELCOME OFFER
$250
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Capital One SavorOne Cash Rewards Credit Card

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro]Earn points on rent payments without fees[.pro]

[.pro]Points are flexible and valuable for travel bookings[.pro]

[.pro]No annual fee makes it a cost-effective choice[.pro]

Cons

[.con]This card does not offer a welcome bonus[.con]

Rewards Summary

[.redeem]3x[.redeem] per $1 for dining purchases

[.redeem]2x[.redeem] per $1 on travel purchases

[.redeem]1x[.redeem] per $1 on rent payments without the transaction fee, up to 100,000 points per calendar year

[.redeem]1x[.redeem] per $1 on other purchases

Use the card 5 times each statement period to earn points. Select "Learn More" to learn about the product features, terms, and conditions.

Additional Benefits

  • Bilt Rent Day: Earn double points on the first of every month (excluding rent, up to 1,000 points per month)
  • Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
  • Travel Protection: Includes trip cancellation/interruption insurance and travel accident insurance.
  • Purchase Protection
  • Cell Phone Protection
  • No Foreign Transaction Fees

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Bilt Mastercard®

[.dontreco] We don’t recommend:  Using points for statement credits or cash back. While this is an option, it doesn’t provide the best value.[.dontreco] 

[.sometimesreco] We sometimes recommend:  Redeeming points for gift cards. This can be a decent value but still falls short compared to travel redemptions. [.sometimesreco]

[.alwaysreco] We always recommend:  Using points for travel bookings. You’ll get the most value by transferring your points to Bilt’s travel partners. [.alwaysreco]

[.favhotels] Our favorite hotels to book with this card [.favhotels]

Bilt Rewards has several hotel transfer partners, including:

  • Hyatt: Excellent value with lower points requirements for award nights.
  • IHG: Offers a wide range of properties globally, often with good promotions.
  • Marriott: A vast network of hotels providing great flexibility.

[.favairlines] Our favorite airlines to fly with this card [.favairlines]

Here are some of Bilt’s primary airline transfer partners:

  • United MileagePlus: Offers excellent value for flights and diverse partners.
  • Air Canada Aeroplan: Good for travel to Canada and beyond with Star Alliance partners.

Transfer Partners

But how can I actually transfer my Bilt points? Transferring your Bilt points is simple. Log in to your Bilt Rewards account, go to the transfer points section, and choose your preferred partner. It’s that easy!

Oh yeah, did we mention that the Bilt Card has a pretty nice list of transfer partners? In case you need convincing, here’s that list:

PROGRAM NAME
TRANSFER RATIO

Accor Live Limitless

3:2

Aer Lingus

1:1

Air Canada

1:1

Air France / KLM

1:1

Alaska Airlines

1:1

Avianca

1:1

British Airways

1:1

Cathay Pacific

1:1

Emirates

1:1

Hilton

1:2

IHG One Rewards

1:1

Iberia

1:1

Marriott Bonvoy

1:1

TAP Air Portugal

1:1

Turkish Airlines

1:1

United Airlines

1:1

Virgin Atlantic

1:1

World of Hyatt

1:1

Our Favorite Redemptions

Want to know how to book a Disney World vacation using miles and points? Well, good news! Brendan did just that, and he breaks down every detail in this video 👇

Offer History

OFFER DATES
OFFER DETAILS
No items found.

The Best Complementary Cards

Capital One Venture X Rewards Credit Card

Why? The Capital One Venture X Rewards Credit Card is another great complementary card to the Bilt Mastercard. It offers unlimited 2x miles on every purchase, making it a versatile option for all your spending. The Venture X also provides up to a $300 annual travel credit for bookings through Capital One Travel, which can significantly offset travel expenses. Combining the Bilt Mastercard with the Venture X allows you to earn rewards on rent and travel expenses efficiently. The Venture X card also comes with perks like airport lounge access through Priority Pass and Capital One Lounges (yay!), and a $120 credit for Global Entry or TSA PreCheck (yay, again!).

Chase Sapphire Preferred® Card

ELEVATED OFFER

Why? The Chase Sapphire Preferred® Card is an excellent companion to the Bilt Card for a few key reasons. First, it offers substantial earning potential on travel and dining, with 5x points on travel booked through Chase Ultimate Rewards® and 3x points on dining, making it a strong complement to the Bilt Card’s points structure. By pairing these two cards, you can maximize your points across various spending categories. Plus, the Sapphire Preferred's points can be transferred to numerous travel partners, including airlines and hotels that overlap with Bilt’s partners, allowing you to pool your points for even bigger rewards. The Sapphire Preferred also offers valuable travel protections and a $50 annual Chase Travel Hotel Credit, adding extra benefits for frequent travelers.

Who Should Get The

Bilt Mastercard®

?

  1. Renters Looking to Earn Rewards

If you're paying rent and not earning rewards on those payments, you're losing money (girl math!). The Bilt Card allows you to earn points on rent without any transaction fees (up to 100,000 points per year). This is a game-changer for renters who want to make their largest monthly expense work for them. Imagine earning points towards your next vacation, just by paying your rent. The Bilt Rewards program lets you transfer points to top travel partners, making those rent payments even more valuable. Plus, Bilt's Rent Day promotion offers double points on rent payments made on the first of each month, adding even more value to your routine expenses.

  1. Frequent Travelers

For those frequenting the airport, the Bilt Card offers a range of travel perks that make it the ideal addition to your wallet. Earn 3x points on dining, 2x points on travel, and 1x points on all other purchases. With transfer partners like Air Canada Aeroplan, Emirates Skywards, and World of Hyatt, you can turn your points into free flights and hotel stays. Easy. Bilt also offers travel protections such as trip cancellation insurance and no foreign transaction fees, which is just an added bonus!

  1. Budget-Conscious Spenders

Love redecorating or upgrading your living space? The Bilt Card can help you earn rewards while doing so. Use your card to shop at furniture stores, home improvement retailers, and online marketplaces, earning points on every purchase. Those points can also be transferred to Bilt's travel partners. Plus, Bilt points can be redeemed for fitness classes or experiences, adding more lifestyle benefits to your card.

Who Should Not Get The

Bilt Mastercard®

?

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 670, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Bilt Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions

Is the Bilt Card worth getting?

Absolutely, especially if you pay rent and want to earn rewards on those payments. It’s a unique and valuable card for renters and travelers alike.

What are the best ways to redeem Bilt Rewards points?

The best value comes from redeeming points for travel through Bilt’s transfer partners.

Can I earn points on rent payments with the Bilt Card?

Yes! The Bilt Card is one of the few cards that lets you earn points on rent payments without any transaction fees (up to 100,000 points per calendar year).

What credit score do you need for the Bilt Mastercard®? 

Typically, you need a good to excellent credit score.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor

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