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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. Expired

+190 Deal Score
1,020,242 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 Apply Now 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 29, 2025 at 09:18 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 Apply Now to learn more about the product features, terms, and conditions


See Rates and Fees
Rewards and Benefits

Slickdeals may be compensated by Bilt Rewards
Created 10-27-2022 at 02:52 PM by EfficientGame645
in Credit Cards (2) Bilt - Bank Advertiser
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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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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 Apr 2009
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Hotpuck6
01-21-2023 at 08:02 AM.

Our community has rated this post as helpful. If you agree, why not thank Hotpuck6

01-21-2023 at 08:02 AM.
I follow some card rewards/points forums and bilt has a lot of fraud issues lately. Some card holders are reporting fraud, having a replacement card shipped, and then having more fraud occur on the new card before it's even been received.

Granted it's not everyone, but the chance of being the unlucky ones having to dispute fraud and having to wait for replacement cards can be a real PITA.
1
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Joined Mar 2017
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> bubble2 265 Posts
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Jabberwockish
01-21-2023 at 12:23 PM.
01-21-2023 at 12:23 PM.
Card issued by Wells Fargo, who once charged me more than a dozen consecutive overdraft fees (one for every single transaction over a holiday weekend) before crediting the transfer I had initiated on their website—before any of the purchases were made—from my linked savings account. That was almost a quarter of my life's savings at the time (broke college student). My local branch manager flatly refused even to inquire whether corporate would allow any reversal of the charges, so I took all my remaining money to a credit union and have warned people away from WF at every opportunity since.

I don't pretend any other big bank is more ethical, per se, but in my experience they at least have better customer service.
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edrock200
01-22-2023 at 09:20 AM.
01-22-2023 at 09:20 AM.
Quote from Spider210 View quoted comment :
If they give your a routing and account number can you get checks made using those so you can give check rent payments?
Since it specifically says ACH, which I assume means electronic transfers, I'm not sure if a paper check would flag in the system as potential fraud if it's not coming through electronically. But I don't know enough about ach vs paper check to say with certainty.
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Joined Jul 2003
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> bubble2 4,615 Posts
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edrock200
01-22-2023 at 09:21 AM.
01-22-2023 at 09:21 AM.
Quote from Jabberwockish View quoted comment :
Card issued by Wells Fargo, who once charged me more than a dozen consecutive overdraft fees (one for every single transaction over a holiday weekend) before crediting the transfer I had initiated on their website—before any of the purchases were made—from my linked savings account. That was almost a quarter of my life's savings at the time (broke college student). My local branch manager flatly refused even to inquire whether corporate would allow any reversal of the charges, so I took all my remaining money to a credit union and have warned people away from WF at every opportunity since.

I don't pretend any other big bank is more ethical, per se, but in my experience they at least have better customer service.
When I was younger had the same exact thing happen. Wrote an email to all the banks board members explaining the branch manager refused to even look into it. One of the executives assistants reached out to me and reversed the charges and noted they would counsel the branch manager.
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Joined Dec 2005
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> bubble2 4,074 Posts
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ms2000
01-22-2023 at 10:17 AM.
01-22-2023 at 10:17 AM.
Quote from kensteele View quoted comment :
it is like any other credit card, pay the balance in full and by the date and there is no interest. otherwise, like pretty much everything else in the world, there is interest.
Will the rent payment treated as cash advance resulting in interest as soon as it is drawn as suggested by another poster?
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Joined Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
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fbueller
01-22-2023 at 10:31 AM.
01-22-2023 at 10:31 AM.
Quote from ms2000 View quoted comment :
Will the rent payment treated as cash advance resulting in interest as soon as it is drawn as suggested by another poster?
No, it's not.
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Joined Dec 2005
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> bubble2 4,074 Posts
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ms2000
01-22-2023 at 10:38 AM.
01-22-2023 at 10:38 AM.
Quote from fbueller View quoted comment :
No, it's not.
Thank you.
Still a bit of hazzle to convince my partner as the rent check sent via USPS!
Even if I had it mailed in advance mid of the months, I still have to check with the landloard - they are not there usually (I might have to find some hrs that they are there!) - they see people by appointment.
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Joined Dec 2005
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> bubble2 4,074 Posts
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ms2000
01-22-2023 at 11:10 AM.
01-22-2023 at 11:10 AM.
How long these guys have been around?
Run by Wells Fargo Bank - so you can go to Wells Fargo and make queries?

What is the customer satisfaction rate on this card?
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Joined Dec 2005
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> bubble2 4,074 Posts
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ms2000
01-22-2023 at 11:14 AM.
01-22-2023 at 11:14 AM.
Quote from EfficientGame645 View quoted comment :
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:
{marketingBullets}


See Rates and Fees
Rewards and Benefits

Slickdeals may be compensated by Bilt Rewards
Everyone offers:
Trip cancellation and protection
Trip delay reimbursement
Auto rental collision damage
Theft and damage protection

Is BILT any better?
Reply
Joined Dec 2005
L9: Master
> bubble2 4,074 Posts
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ms2000
01-22-2023 at 11:20 AM.
01-22-2023 at 11:20 AM.
Quote from jrlcopy View quoted comment :
7143 Bilt Points = $50 Amazon GC.

I have this card, I love it, I also have a CSR card, it uses the same expedia portal, but at 1.25 vs my CSR which is 1.50.

You can game this card really well to just amass a ton of points and for those of us that pay $$$ in rent, it's basically a free $700 each year. They do a 'rent day' each month on the 1st where there's a 4x and 6x multiplier on most transactions for points.

I don't carry a balance, so I'm def a bad customer for them.
If you don't carry a balance and you pay $2k in rent, how many points can u accrue in a yr?

So on Expedia, 20k points is equal to $250?
Reply
Joined Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
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fbueller
01-22-2023 at 11:25 AM.
01-22-2023 at 11:25 AM.
Quote from ms2000 View quoted comment :
Everyone offers:
Trip cancellation and protection
Trip delay reimbursement
Auto rental collision damage
Theft and damage protection

Is BILT any better?
*PRIMARY* rental is rare and usually carries an AF. Don't book trips on this card, use a Chase Sapphire for that. Use this for rent only and pocket points. My rent is over 5k, so I'll make $750 a year in travel effortlessly, more if I transfer to the right flights on AA.
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Joined Mar 2005
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> bubble2 1,651 Posts
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jrlcopy
01-22-2023 at 11:55 AM.
01-22-2023 at 11:55 AM.
Quote from ms2000 View quoted comment :
If you don't carry a balance and you pay $2k in rent, how many points can u accrue in a yr?

So on Expedia, 20k points is equal to $250?
24000. So equal to $300'ish/yr.
Reply
Joined Dec 2004
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> bubble2 13,061 Posts
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kensteele
01-22-2023 at 12:41 PM.
01-22-2023 at 12:41 PM.
Quote from Jabberwockish View quoted comment :
Card issued by Wells Fargo, who once charged me more than a dozen consecutive overdraft fees (one for every single transaction over a holiday weekend) before crediting the transfer I had initiated on their website—before any of the purchases were made—from my linked savings account. That was almost a quarter of my life's savings at the time (broke college student). My local branch manager flatly refused even to inquire whether corporate would allow any reversal of the charges, so I took all my remaining money to a credit union and have warned people away from WF at every opportunity since.

I don't pretend any other big bank is more ethical, per se, but in my experience they at least have better customer service.
i feel you. all banks cheat that way and pretty much everyone has had a similar experience although maybe not quite as painful as yours. small stuff has happened to me over 20 years ago and i still haven't forgotten it so i know what you mean.
Reply
Joined Dec 2004
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> bubble2 13,061 Posts
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kensteele
01-22-2023 at 12:46 PM.
01-22-2023 at 12:46 PM.
Quote from ms2000 View quoted comment :
Will the rent payment treated as cash advance resulting in interest as soon as it is drawn as suggested by another poster?
have you forgotten we are on sd? does that even sound right to you, we are going from paying our rent ach and interest free to paying ca fees and paying interest on day one and you believed that? if this were a cash advance (one of the most despicable and dishonest credit card transactions around) this wouldn't even a thread and would have 5 tds; c'mon. laugh out loud
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Joined Dec 2005
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ms2000
01-22-2023 at 09:56 PM.
01-22-2023 at 09:56 PM.
Quote from kensteele View quoted comment :
have you forgotten we are on sd? does that even sound right to you, we are going from paying our rent ach and interest free to paying ca fees and paying interest on day one and you believed that? if this were a cash advance (one of the most despicable and dishonest credit card transactions around) this wouldn't even a thread and would have 5 tds; c'mon. laugh out loud
Read yours twice and still could not make sense of what you trying to say Frown.
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