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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
Score
+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 2004
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> bubble2 12,510 Posts
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kensteele
01-05-2023 at 07:18 PM.
01-05-2023 at 07:18 PM.
Quote from LeCordonBleu :
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?
as i said, it's "easy to do but more of a distraction that anything" so certainly not going out of my way. this is what happens when you add a card to apple pay.
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 12,510 Posts
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kensteele
01-05-2023 at 07:21 PM.
01-05-2023 at 07:21 PM.
Quote from travelnshot :
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/
it's 2023, cards are not compromised solely based on where they were used previously. although napster might have something to do with it. Wink
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 718 Posts
76 Reputation
faurelg
01-05-2023 at 11:59 PM.
01-05-2023 at 11:59 PM.
Quote from Ryson11 :
What's the redemption point / $$$ (gift card/ statement credit, etc) conversion?

Essentially 1% cash back. So I assume 1 point is 1cent
First time using it this month so not sure yet if it has any other catch. I saw someone mentioned you need to use the card for 5 other purchases. But I don't see that in their site. I might have to see their T&C in more details
Reply
Joined Jan 2023
New User
> bubble2 1 Posts
10 Reputation
CyanRoad985
01-06-2023 at 10:59 AM.
01-06-2023 at 10:59 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 itI
I haven't had any issues. I couldnt find anywhere on their site where only certain units are supported. Like BlueKiwi said: You can use the Bilt Mastercard and earn rewards on rent at any property where you can pay by (i) online payment portal (e.g. ClickPay®, etc.), (ii) Venmo or Paypal or (iii) physical check.


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.
1
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 12,510 Posts
1,365 Reputation
kensteele
01-06-2023 at 11:36 AM.
01-06-2023 at 11:36 AM.
in the app, when you look up your "recent point activity" it says:

+12 points
12/30/2022. Earn after 5 transactions

No idea if it is actually enforced; not necessary to find out the hard way.
Reply
Joined Aug 2008
L5: Journeyman
> bubble2 1,360 Posts
550 Reputation
Krish009
01-06-2023 at 04:24 PM.
01-06-2023 at 04:24 PM.
Quote from faurelg :
Essentially 1% cash back. So I assume 1 point is 1cent
First time using it this month so not sure yet if it has any other catch. I saw someone mentioned you need to use the card for 5 other purchases. But I don't see that in their site. I might have to see their T&C in more details

Cash redemption at Bilt is around 0.7cent but someone said u can transfer to other travel sites for better value.
Reply
Joined May 2015
L3: Novice
> bubble2 116 Posts
18 Reputation
aDistraction
01-06-2023 at 05:53 PM.
01-06-2023 at 05:53 PM.
Why can't I just use my Bilt Mastercard® in my property's online payment portal?

If you use your Bilt Mastercard® to pay rent through your landlord's rent payment app or website, you may be charged a service or "convenience" fee by the payment platform.

How will pay through rental property website to avoid service fee?
Reply

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Joined Nov 2013
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> bubble2 243 Posts
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MonisR
01-06-2023 at 07:27 PM.
01-06-2023 at 07:27 PM.
Can these points be transferred to airlines miles/loyalty programs e.g. KrisFlyer or Avios?
Reply
Joined Aug 2008
L5: Journeyman
> bubble2 1,360 Posts
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Krish009
01-06-2023 at 07:29 PM.
01-06-2023 at 07:29 PM.
Quote from aDistraction :
Why can't I just use my Bilt Mastercard® in my property's online payment portal?

If you use your Bilt Mastercard® to pay rent through your landlord's rent payment app or website, you may be charged a service or "convenience" fee by the payment platform.

How will pay through rental property website to avoid service fee?

Using check or Account/Routing number.
Reply
Joined Sep 2012
L3: Novice
> bubble2 114 Posts
22 Reputation
sAnILT
01-07-2023 at 06:08 AM.
01-07-2023 at 06:08 AM.
Quote from MonisR :
Can these points be transferred to airlines miles/loyalty programs e.g. KrisFlyer or Avios?
you can transfer to some major ones
emirates, American , Aeroplan, united , Cathay ,Hawaiian,air France and Turkish

hotels
Hyatt, IHG

Ratio 1:1
Reply
Joined Oct 2005
L2: Beginner
> bubble2 143 Posts
mrmexican87
01-07-2023 at 08:59 AM.
01-07-2023 at 08:59 AM.
I've had this card for a few months. Here is how I use it

Pay my rent with card, then typically will just by 4 x 0.50 Amazon gift cards to total 5 monthly transactions (yes the rent payment counts as one).

They give you a routing and account number to pay rent to avoid any rent payment fees you might incur if using a credit card (my apartment complex charges $45 to use a credit card to pay rent, but with the routing/checking, it appears as a bank charge, and no fee)

I did have one hiccup by turning on Bilt Protect Debit one month, turned that off.

On the first they do quizzes and puzzles for chances to win bonus points and pay your rent for the month.

You cannot use this card to pay a mortgage (yet). If you follow their Reddit it might be a feature coming soon, but not entirely sure if this is a source of truth.

I love the no annual fee. And they are one of the only cards you can transfer points to American Airlines, so I primarily use the points to transfer to AAdvantage account.

Hope this helps!
Reply
Joined Apr 2006
L5: Journeyman
> bubble2 546 Posts
128 Reputation
ken.yong
01-07-2023 at 12:36 PM.
01-07-2023 at 12:36 PM.
Quote from travelnshot :
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/

Yes both my bro and me got hit with fraudulent charges. Reddit suspected insider job
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,318 Posts
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Knightshade
01-07-2023 at 12:43 PM.
01-07-2023 at 12:43 PM.
Quote from CyanRoad985 :
I haven't had any issues. I couldnt find anywhere on their site where only certain units are supported. Like BlueKiwi said: You can use the Bilt Mastercard and earn rewards on rent at any property where you can pay by (i) online payment portal (e.g. ClickPay®, etc.), (ii) Venmo or Paypal or (iii) physical check.

It's not on their website, but it doesn't currently work with zillows payment platform (this was discussed a few pages back including text from support emails confirming it)

You can email a copy of your receipt from paying normally (ie using a normal bank account, not bilt at all) to bilt and they'll give you the points anyway though but you'd have to manually do it each month.
Reply
Joined Mar 2013
L2: Beginner
> bubble2 45 Posts
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hk4l
01-07-2023 at 05:39 PM.
01-07-2023 at 05:39 PM.
Just got this card glad I can get something for rent without incurring fees, 1% isn't much but rent is so it equates to an AA flight a year.

one annoyance is it does not integrate with plaid (yet?) so if you use something like rocket money, personal capital or nerd wallet no way to add it there.
Reply

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Joined Dec 2004
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kensteele
01-07-2023 at 07:01 PM.
01-07-2023 at 07:01 PM.
Quote from kensteele :
in the app, when you look up your "recent point activity" it says:

+12 points
12/30/2022. Earn after 5 transactions

No idea if it is actually enforced; not necessary to find out the hard way.
also in the app, under Bilt Mastercard benefits on the Account tab, you can keep track of how many transactions are currently being counted; there are 5 bars to be lit.
Reply
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