Bilt Mastercard®

Don't be scared off by the fact that this card doesn't come with a signup bonus - you might find you can get just as much or more value as the cards that have hefty signup offers. With its awesome monthly promos (including its June birthday month bash), it's taken the second spot on our list. Additionally, Bilt is the only card out there that lets you earn points just for paying your rent, no fees attached. They also have some competitive earning rates to begin with, but those rates are doubled on the first day of every month, allowing you to squeeze even more value out of every dollar you spend. 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.

• 3X per $1 for dining purchases
• 2X per $1 on travel purchases
• 1X per $1 on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1X per $1 on everyday purchases

• The Bilt Mastercard offers a rare opportunity to earn points by paying rent without processing fees
• With this card, your points will be transferable to about 12 different partners which makes this a flexible option

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• The short-term value of this card is knocked a few points considering it has no welcome bonus
• Renters with poor credit who would benefit from earning points from rent could potentially be turned away from this card

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