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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
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+190
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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.

982 Comments

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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 Sep 2012
New User
> bubble2 6 Posts
10 Reputation
Froehlich9
01-26-2023 at 06:30 AM.
01-26-2023 at 06:30 AM.
Quote from kensteele View quoted comment :
i use this. building up a bunch of points that can be used on amazon so it's better than nothing. you have to make 5 small charges a month to keep it going....

This is a very poor use of the points. Especially since they are transferable to travel partners. You're missing out on at least half the value of the points.
Reply
Joined Apr 2013
New User
> bubble2 10 Posts
10 Reputation
thad_jarvis1
01-26-2023 at 09:02 AM.
01-26-2023 at 09:02 AM.
My roommate lives with me and pays me rent in the house that I own. Can I get her to sign up for this so she gets points or will I get charged anything as the landlord?
Reply
Joined Oct 2007
L7: Teacher
> bubble2 2,179 Posts
378 Reputation
sixthday
01-26-2023 at 01:40 PM.
01-26-2023 at 01:40 PM.
When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases (purchases minus returns/credits) for that statement period. If you do not make at least 5 transactions that post to your account in a statement period you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
Reply
Joined Nov 2008
L6: Expert
> bubble2 1,319 Posts
327 Reputation
Ticalisoul
01-26-2023 at 04:25 PM.
01-26-2023 at 04:25 PM.
I received an email from BILT/WF recently that acknowledged the rampant fraud happening as of late, and it appears they are taking steps to address the issue and increase security. Take that with a grain of salt since its WF, but they did give us 1000 bonus points, and it feels a bit better knowing that it was a widespread issue and not me being careless with my card
Reply
Joined Apr 2017
L2: Beginner
> bubble2 69 Posts
22 Reputation
Nokiee
01-30-2023 at 01:12 PM.
01-30-2023 at 01:12 PM.
I use this to pay myself rent for the building I own. My penthouse is $20k a month to rent so the points back is pretty sweet.
4
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
01-30-2023 at 01:29 PM.
01-30-2023 at 01:29 PM.
Quote from Nokiee View quoted comment :
I use this to pay myself rent for the building I own. My penthouse is $20k a month to rent so the points back is pretty sweet.
except there is a cap so it's not all that sweet.
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
01-30-2023 at 01:30 PM.
01-30-2023 at 01:30 PM.
Quote from sixthday View quoted comment :
When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases (purchases minus returns/credits) for that statement period. If you do not make at least 5 transactions that post to your account in a statement period you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
old news. super old. mostly irrelevant.
Reply

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Joined Jun 2009
L10: Grand Master
> bubble2 8,372 Posts
418 Reputation
Deal2go
01-30-2023 at 01:57 PM.
01-30-2023 at 01:57 PM.
no bonus and can't use this to pay mortgage bill ?
Reply
Joined Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
4,320 Reputation
fbueller
01-30-2023 at 02:01 PM.
01-30-2023 at 02:01 PM.
Quote from Deal2go View quoted comment :
no bonus and can't use this to pay mortgage bill ?
I got a 5x points in the first 5 days, they send this via email to new card owners, capped at $10,000 in purchases. I paid my taxes with it and pocketed 50,000 points instantly. Not a bad "signing bonus".

Also discovered that my health insurance will accept 1 cent payments on this card. So that satisfies my month 5 purchases as well.
Reply
Joined Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
4,320 Reputation
fbueller
01-30-2023 at 02:04 PM.
01-30-2023 at 02:04 PM.
The big question here is what's stopping you from making your roommate/wife/whatever the 'landlord' and having the check cut to them and mailed to your own house every month?
Reply
Joined May 2018
L3: Novice
> bubble2 194 Posts
22 Reputation
amex1031
01-30-2023 at 05:22 PM.
01-30-2023 at 05:22 PM.
I applied for it today, but at the end, it says they will notify me of decision

is there any reconsideration contact number ?
Reply
Joined May 2018
L3: Novice
> bubble2 194 Posts
22 Reputation
amex1031
01-30-2023 at 05:23 PM.
01-30-2023 at 05:23 PM.
Quote from fbueller View quoted comment :
I got a 5x points in the first 5 days, they send this via email to new card owners, capped at $10,000 in purchases. I paid my taxes with it and pocketed 50,000 points instantly. Not a bad "signing bonus".

Also discovered that my health insurance will accept 1 cent payments on this card. So that satisfies my month 5 purchases as well.
so we can get onus point for paying taxes ?? can you please confirm
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
01-30-2023 at 05:54 PM.
01-30-2023 at 05:54 PM.
Quote from fbueller View quoted comment :
The big question here is what's stopping you from making your roommate/wife/whatever the 'landlord' and having the check cut to them and mailed to your own house every month?
it's not really a big question because wf/bilt is not new to banking and credit card fraud. they have investigators. if they suspect anything, they will ask for the lease and go from there. they could reverse all of your points, close your account, mark your credit report, and/or send you to collections. it's probably not worth it just for a few hundred dollars. how often do we see so many people on this forum complain about "credit card" stuff when in reality they have questionable or criminal activity in their background. possible credit card fraud is what's stopping most people from doing what you are asking about.
Reply
Joined Jan 2009
L2: Beginner
> bubble2 79 Posts
26 Reputation
odavid
01-30-2023 at 08:19 PM.
01-30-2023 at 08:19 PM.
Quote from Ticalisoul View quoted comment :
I received an email from BILT/WF recently that acknowledged the rampant fraud happening as of late, and it appears they are taking steps to address the issue and increase security. Take that with a grain of salt since its WF, but they did give us 1000 bonus points, and it feels a bit better knowing that it was a widespread issue and not me being careless with my card

THIS! Got my new BILT card in Nov. By Dec, there were fraud charges and then hold time of 3 hours with Wells Fargo to reissue and dispute. Waste of time and not worth the points or credit hit to cancel the card imo.
Reply

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Joined Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
01-30-2023 at 08:25 PM.
01-30-2023 at 08:25 PM.
^wow, it certainly sounds like the competitors really did a number on bilt. lock up the card and make the rent checks bounce and 90% of the customers won't use it again. brilliant if it works by burying the program. if so, maybe someone else will come along and steal the idea. guess we'll know in a few days.
Reply
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