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Bilt Mastercard®: Earn Points on Rent Payments Without the Transaction Fee (up to 100k points in a calendar year). Terms apply.

+191 Deal Score
972,072 Views
Update: This popular deal is still available.

Bilt Rewards is offering the first-ever loyalty program for renters that lets you earn points on rent with no transaction fees with the Bilt Mastercard®. There is no annual fee.

Thanks to staff member EfficientGame645 for sharing this deal.

Card Details:
  • $0 Annual Fee
  • Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
  • Earns 3x points on dining, 2x on travel, and 1x on other purchases
  • Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
  • Use the card 5 times each statement period to earn points
  • Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
  • Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
  • Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
  • Select [CTA] to learn more about the product features, terms, and conditions


See Rates and Fees
Rewards and Benefits

Slickdeals may be compensated by Bilt Rewards

Original Post

Written by
Edited October 7, 2024 at 09:35 AM by
Bilt Rewards is offering the first-ever loyalty program for renters that lets you earn points on rent with no transaction fees with the Bilt Mastercard®. There is no annual fee.

Card Details:
  • $0 Annual Fee
  • Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
  • Earns 3x points on dining, 2x on travel, and 1x on other purchases
  • Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
  • Use the card 5 times each statement period to earn points
  • Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
  • Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
  • Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
  • Select [CTA] to learn more about the product features, terms, and conditions



See Rates and Fees
Rewards and Benefits

Slickdeals may be compensated by Bilt Rewards
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Created 10-27-2022 at 02:52 PM by EfficientGame645
in Credit Cards (2) Bilt - Bank Advertiser
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
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+191
972,072 Views
These responses are not provided or commissioned by the bank advertiser. Responses 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. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Featured Comments

Please be careful about when it says Rent Payments. Only specific rental companies are covered in it.Triple Check with your rental company if they accept it.
https://biltrewards.zendesk.com/h...y=mortgage this is from their faqs. No points for mortgage payments
Used it and they sent my rent payment in late. Poor customer service

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Joined Dec 2022
L3: Novice
> bubble2 269 Posts
14 Reputation
HonestSink770
01-05-2023 at 06:47 AM.
01-05-2023 at 06:47 AM.
Is it possible to mail a check to the landlord using this? My landlord charges extra for ACH transfers?

Also while mailing the check is it possible to customize it - for examples specify the apartment number? Thanks.
Reply
Joined Oct 2012
L3: Novice
> bubble2 223 Posts
34 Reputation
Tortilla-Chip
01-05-2023 at 06:51 AM.
01-05-2023 at 06:51 AM.
Quote from HonestSink770 :
Is it possible to mail a check to the landlord using this? My landlord charges extra for ACH transfers?

Also while mailing the check is it possible to customize it - for examples specify the apartment number? Thanks.
Yes, this is what I do, mail a physical check. Can customize address and memo as much as you want

Tracking in app shows request date, print date, mail date, then tracking (city mailed from and when delivered), as well as a notification if it is or isn't cashed.

I was worried about my ability to use a check as well but it really is a smooth system

PS - Hilarious your landlord charges EXTRA for ACH when it is easier for them...all the more reason to send a physical check and make them work for it Smilie
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 718 Posts
76 Reputation
faurelg
01-05-2023 at 10:44 AM.
01-05-2023 at 10:44 AM.
Quote from erol :
Please be careful about when it says Rent Payments. Only specific rental companies are covered in it.Triple Check with your rental company if they accept it.

I just paid my first rent using this. Got my card end of last month. My current place has a rental payment portal which allowed checking account or credit card payment with fees. Bilt has the virtual checking number and payment went through fine. No points yet though. We'll see if they really uphold their promise. They said they'll give points even if the rental is not part of their network
Reply
Joined May 2008
L10: Grand Master
> bubble2 14,218 Posts
2,329 Reputation
max1001
01-05-2023 at 12:16 PM.
01-05-2023 at 12:16 PM.
Quote from jrlcopy :
Not true at all.
You get a routing number and an account number and can either mail a check to your rental company, or provide the rounting/account number like a check to your online bill pay system.

I got a bilt card in April, so feel free to ask me any questions, def worth it for all the free points, and I got a bunch of referrals, so got a bonus 50k points too.

I just won't carry a balance on it.
You can pay with it but you will not get the points unless they can verify it's for rent. If you are renting from a guy who just own 2 family house and want to rent out 1 floor, those are not gong to qualify for points.
Reply
Joined May 2013
New User
> bubble2 8 Posts
10 Reputation
BryanB7775
01-05-2023 at 01:12 PM.
01-05-2023 at 01:12 PM.
What are you using the points for? I have never had a card like this. I have the 2% Citi card, but I cannot use that on rent. Is there a place that can explain how the points equal the rewards? I see the amazon rewards, but what is the points-to-dollar ratio?

Thanks, community.
Reply
Joined Sep 2018
New User
> bubble2 19 Posts
18 Reputation
OrangePassenger126
01-05-2023 at 01:31 PM.
01-05-2023 at 01:31 PM.
Quote from divinebaboon :
Please watch out for fraudulent charges on this card from dhgate, marion parker, onlyfans, etc

Reddit has a bunch of datapoints in the comments:
https://www.reddit.com/r/CreditCa...rgo_watch/

I actually got hit with this on Christmas. Gg. Support was easy to work with though and got a new card and number.
Reply
Joined May 2015
L3: Novice
> bubble2 116 Posts
18 Reputation
aDistraction
01-05-2023 at 01:53 PM.
01-05-2023 at 01:53 PM.
I pay my rent online through RentCafe. If I use a credit card they will charge $5 Service Fee. It says the service fee covers bank, payment agent, and processing network fees to ensure the safety and security of your transaction.

If I apply for this card and get approved - will they also charge the $5 service fee. Please let me know if anyone used the card through online payment.
2
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Joined Jul 2013
L4: Apprentice
> bubble2 303 Posts
343 Reputation
muskmelon
01-05-2023 at 02:03 PM.
01-05-2023 at 02:03 PM.
Quote from BryanB7775 :
What are you using the points for? I have never had a card like this. I have the 2% Citi card, but I cannot use that on rent. Is there a place that can explain how the points equal the rewards? I see the amazon rewards, but what is the points-to-dollar ratio?

Thanks, community.
1 point = $0.007, so 1000 points will translate to $7.
The points would be better used for travel especially transfer to travel partners.
1
Reply
Joined Jul 2013
L4: Apprentice
> bubble2 303 Posts
343 Reputation
muskmelon
01-05-2023 at 02:09 PM.
01-05-2023 at 02:09 PM.
Quote from aDistraction :
I pay my rent online through RentCafe. If I use a credit card they will charge $5 Service Fee. It says the service fee covers bank, payment agent, and processing network fees to ensure the safety and security of your transaction.

If I apply for this card and get approved - will they also charge the $5 service fee. Please let me know if anyone used the card through online payment.
Bilt provides an ACH and account number so you can use it as a bank account for rent payment purposes. You can avoid the service fee that way.
Reply
Joined May 2015
L3: Novice
> bubble2 116 Posts
18 Reputation
aDistraction
01-05-2023 at 03:03 PM.
01-05-2023 at 03:03 PM.
Quote from muskmelon :
Bilt provides an ACH and account number so you can use it as a bank account for rent payment purposes. You can avoid the service fee that way.
I am not sure how they does that work, can someone please lighten me? Will the payment be sent electronically or it will be paper check?
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 12,510 Posts
1,365 Reputation
kensteele
01-05-2023 at 04:06 PM.
01-05-2023 at 04:06 PM.
Quote from BryanB7775 :
What are you using the points for? I have never had a card like this. I have the 2% Citi card, but I cannot use that on rent. Is there a place that can explain how the points equal the rewards? I see the amazon rewards, but what is the points-to-dollar ratio?

Thanks, community.
add the card to amazon where you can buy stuff with the points
Reply
Joined Sep 2010
L4: Apprentice
> bubble2 444 Posts
62 Reputation
Actonsdictum
01-05-2023 at 06:22 PM.
01-05-2023 at 06:22 PM.
Quote from Dr. J :
So then how do they verify you are actually paying rent and not just MS? MEaning, "yeah Joe Blow is my landlord" so I send him $2k/mo, get points, don't pay any fees, then just siphon that back to me. Seems too good to be true.

T&C are somewhat vague:

One point per $1 spent on rent paid through the Bilt App with your card account up to a maximum of Fifty Thousand (50,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Note, rent payments can only be made to one rental property per month.

Cardholders may not separate qualifying net purchases or rent payments into multiple transactions for the purpose of earning more points than would otherwise be available through a single transaction.



So, I can "rent" from myself to rack up points?
Yes, send yourself "rent pay" and then pay tax on it for 50k maximum points a year. That sounds like wallstreetbets logic but I guess slickdeals isn't really much different.

Slickdeals basically promotes "buying things you don't need on a sale to save money"
1
3
Reply
Joined Sep 2018
L6: Expert
> bubble2 1,561 Posts
66 Reputation
Ryson11
01-05-2023 at 06:24 PM.
01-05-2023 at 06:24 PM.
Quote from faurelg :
I just paid my first rent using this. Got my card end of last month. My current place has a rental payment portal which allowed checking account or credit card payment with fees. Bilt has the virtual checking number and payment went through fine. No points yet though. We'll see if they really uphold their promise. They said they'll give points even if the rental is not part of their network
What's the redemption point / $$$ (gift card/ statement credit, etc) conversion?
Reply
Joined Sep 2010
L4: Apprentice
> bubble2 444 Posts
62 Reputation
Actonsdictum
01-05-2023 at 06:32 PM.
01-05-2023 at 06:32 PM.
Quote from kensteele :
i have the card as well and i'm watching the points pile up just for paying rent; points that i would not have otherwise and will almost certainly get redeemed on amazon. my only issue is having to make 5 transactions per month....easy to do but more of a distraction that anything. i guess a couple of ice cream cones at mcdonalds, a couple of pizza slices at sams, and a $1 amazon refill works.
Lol just use the card as you would other cards 5 times. Why do you have to go out of your way to get the cheapest possible purchases on this card?
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Joined Nov 2013
Show me the money!
> bubble2 1,691 Posts
394 Reputation
travelnshot
01-05-2023 at 06:45 PM.
01-05-2023 at 06:45 PM.
BILT Mastercard- Fraud Alert PSA

There was a post on here about 2 weeks ago alerting everyone to look for fraudulent purchases on their BILT Card from "Marion Parke" and "dhgate.com."

Woke up this morning to a slew of charges on my BILT Card from Wayfair.com and Cashstar @ Starbucks.

Luckily I have notifications enabled so I caught these immediately. Called in, reported the charges, WF closed the account and reissued my card. I will have a new one in about 7 days.

No idea how my card was compromised. It is sock drawered, and has 5 recurring charges per month on it from the following merchants:

Microsoft x2, Experian, Napster, + Apartment's rent portal.

I just wanted to send out a PSA to the BILT Card holders on this subreddit to check their cards.

https://www.reddit.com/r/CreditCa...alert_psa/
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