Earn Points on Rent — Without Fees​

Traditionally, paying rent with a credit card incurs a processing fee (typically around 2.5%–3%). Bilt solves this problem by allowing you to pay your rent with the Bilt Mastercard without any transaction fees, even if your landlord doesn’t accept cards. You simply pay through the Bilt app, and they handle the rest — by sending a check or ACH payment to your landlord.

What you get:

• Earn 1 point per $1 spent on rent (up to 100,000 points annually)

• No convenience fees — ever

• Ability to pay almost any landlord, including individual property owners

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 Travel-Ready Rewards Program​

Bilt Rewards is one of the most flexible travel loyalty programs out there. Points can be transferred 1:1 to top-tier travel partners, many of which offer exceptional value per point.

Transfer partners include:

• American Airlines AAdvantage (exclusive 1:1 partner)

• Hyatt (known for high point value)

• United MileagePlus, Flying Blue (Air France/KLM), Turkish Airlines, British Airways, Virgin Atlantic, and more

These are not fringe programs — these are high-value partners used by frequent travelers. That gives you serious booking power.

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Solid Earning Rates on Everyday Spending

Besides rent, you earn:

• 3x points on dining (includes restaurants, bars, takeout, delivery)

• 2x points on travel (flights, hotels, rental cars, and more)

• 1x point on everything else

If you use your card at least 5 times per statement cycle, you earn full points (Bilt’s way of encouraging responsible card usage).

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No Annual Fee​

Unlike most premium travel cards, the Bilt Mastercard has no annual fee, yet offers premium-level perks and transfer partners. This means all your rewards are net gain — no need to “earn back” a yearly cost.

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Build Credit with Responsible Rent Payments

Paying rent is one of the largest recurring expenses for most people — but it typically doesn’t count toward your credit history. With Bilt:

• Your rent payments can be reported to major credit bureaus (Experian, Equifax, TransUnion)

• This helps you build a stronger credit profile just by paying rent as you normally would

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 Strong Protections and Premium Perks

Despite being a no-annual-fee card, the Bilt Mastercard includes:

• Cell Phone Protection (up to $800 when you pay your bill with the card)

• Purchase Protection

• Trip Delay & Cancellation Insurance

• Rental Car Coverage

• Access to Bilt’s Rent Day perks: On the 1st of every month, cardholders get double points (except on rent), exclusive contests, and bonus transfer opportunities

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Great for Professionals, Travelers, and Renters​

Whether you're a digital nomad, young professional, student, or just someone looking to make rent work for you, Bilt is uniquely tailored to your lifestyle. It brings together:

• Real utility (rent payments),

• Travel-grade rewards, and

• Financial health tools (credit-building, no fee structure)

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Final Verdict:

The Bilt Mastercard is one of the most innovative and practical credit cards on the market today — especially for renters. It turns your biggest monthly expense into a source of valuable rewards, opens doors to world-class travel redemptions, and does all this without charging an annual fee or rent fees.

If you’re paying rent and not earning points on it, you’re leaving free rewards on the table.
With Bilt, every rent payment moves you closer to your next vacation, upgrade, or financial milestone.