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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
1,019,979 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
1,019,979 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.

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 Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
4,320 Reputation
fbueller
01-30-2023 at 10:24 PM.
01-30-2023 at 10:24 PM.
Quote from amex1031 View quoted comment :
so we can get onus point for paying taxes ?? can you please confirm
On opening they send an email saying for the next five days you get a bonus 5x on all transactions other than rent. So I paid taxes during that time. Max 50k points, which equals $10k spend. YMMV, but others report this too. I did this just last week, btw.
Reply
Joined Jul 2006
L10: Grand Master
> bubble2 8,698 Posts
4,320 Reputation
fbueller
01-30-2023 at 10:25 PM.
01-30-2023 at 10:25 PM.
Quote from kensteele View quoted comment :
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.
The fact that you said 'collections' shows that you're speculating and have no idea what you're talking about. They can't send you to collections for paying off your card. They can rescind points or close the account, but collections would be highly illegal. Please only comment if you have proof or know what you're talking about. LOL.
Reply
Joined Apr 2006
L3: Novice
> bubble2 126 Posts
58 Reputation
jbarm
02-01-2023 at 04:23 PM.
02-01-2023 at 04:23 PM.
PRIMARY Car Rental Collision coverage on a no annual fee card is the reason I have this card. Loaded my card on my Hertz account and it actually shows this benefit. Worth the space in my wallet for peace of mind when renting a car.

Most credit cards come with secondary car rental collision coverage. This means if you damage a rental car they come after your personal car insurance first and then the card will cover the deductable. Bilt card avoids this.

Not aware of any other no annual fee card with this feature. Trip cancellation coverage isn't bad either.
Reply
Joined Nov 2014
New User
> bubble2 10 Posts
10 Reputation
Hrrish7
02-01-2023 at 11:08 PM.
02-01-2023 at 11:08 PM.
Quote from lwang9 View quoted comment :
Can I use it to pay for my car loan?

Why do you want to pay a car loan which could be 5-7% interest with a credit card that may charge 20%. (Cc could offer free interest for 12 months std)
Reply
Joined Apr 2017
L3: Novice
> bubble2 103 Posts
18 Reputation
elusivturk
02-02-2023 at 08:25 PM.
02-02-2023 at 08:25 PM.
Quote from SlickCrowd6832 View quoted comment :
That's just it. I don't find the benifit high enough to get this credit card BUT.....

lets say your rent is $1k per month and you will pay rent for 10 years.... that is 120K in rent paid and that is $1,200.00 benifit. Not to shabby.

I'm reading every comment here because I'm so on the fence. So if I took your comment I go yeah not too shabby since it's free money but 1,200 in 10 years with inflation is not even that much and when I think of risk/reward balance of these hacks happening and other inconveniences…. Is it worth it? Free money is a powerful concept but I don't know… especially considering I don't want to be renting for that long (only time will show that) is it really worth it is the big question I'm trying to answer. Probably losing more money with the amount of time I'm spending on it but I consider that education and that's priceless 🤣
1
Reply
Joined Apr 2017
L3: Novice
> bubble2 103 Posts
18 Reputation
elusivturk
02-02-2023 at 08:33 PM.
02-02-2023 at 08:33 PM.
Anyone had multiple hacks? I mean i get it it's super annoying but if it's one time hassle and year long earning points, eventually we move on as long as there is no permanent damage. Just trying to justify this card but the cons are making it very hard.
Reply
Joined Apr 2017
L3: Novice
> bubble2 103 Posts
18 Reputation
elusivturk
02-02-2023 at 08:35 PM.
02-02-2023 at 08:35 PM.
Quote from edrock200 View quoted comment :
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.

Can we be friends?
Reply

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Joined Jun 2021
New User
> bubble2 7 Posts
10 Reputation
SmartEducation252
02-03-2023 at 08:21 AM.
02-03-2023 at 08:21 AM.
If your apartment is buddies with Bilt, you can earn bilt rewards without this card. Did not know about the 5 transactions a month part and got burnt with this. Closed the account now and just linked my bank to Bilt. Seems to be a lot more reliable than dealing with shady Wells Fargo and this card.
Reply
Joined Jun 2016
L2: Beginner
> bubble2 67 Posts
14 Reputation
HaloArchive
02-03-2023 at 10:41 AM.
02-03-2023 at 10:41 AM.
Quote from bluekiwi View quoted comment :
https://biltrewards.zendesk.com/h...y=mortgage this is from their faqs. No points for mortgage payments

It can be used on Wells Fargo mortgages
Reply
Joined Aug 2018
L2: Beginner
> bubble2 90 Posts
80 Reputation
WiseThread975
02-05-2023 at 03:57 PM.
02-05-2023 at 03:57 PM.
If It's not different from other Wells Fargo cards (and I don't think it is?), you should be able to check if you're pre-approved before applying. Here: https://web.secure.wellsfargo.com.../yourinfo/

BTW With Wells Fargo you should ignore any "pre-selected" offers you receive from them (by mail, email, etc). They are not pre-approvals. The only way to get a reliable (not guaranteed) pre-approval is through that link. I think.
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
02-05-2023 at 09:18 PM.
02-05-2023 at 09:18 PM.
did anyone get their rent payment blocked because their card was compromised?
Reply
Joined Jun 2021
New User
> bubble2 7 Posts
10 Reputation
SmartEducation252
02-06-2023 at 03:06 AM.
02-06-2023 at 03:06 AM.
My account was flagged and they sent me a letter. I called them up and they said my pending rent payment would be blocked.

So I paid through a different account. But now the transaction on the Bilt card went through.

TL;DR- Account "compromised" but a big pending transaction went through and I got to pay rent twice
Reply
Joined Nov 2015
L5: Journeyman
> bubble2 596 Posts
583 Reputation
neo123
02-07-2023 at 07:13 AM.
02-07-2023 at 07:13 AM.
Quote from SmartEducation252 View quoted comment :
If your apartment is buddies with Bilt, you can earn bilt rewards without this card. Did not know about the 5 transactions a month part and got burnt with this. Closed the account now and just linked my bank to Bilt. Seems to be a lot more reliable than dealing with shady Wells Fargo and this card.

How to do this? Can you explain. Thanks.
Reply
Joined Nov 2020
L3: Novice
> bubble2 141 Posts
87 Reputation
Ali.Soliman
02-10-2023 at 02:45 PM.
02-10-2023 at 02:45 PM.
How much 1 point worth?
Reply

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Joined Aug 2022
New User
> bubble2 13 Posts
10 Reputation
NavyRose265
02-11-2023 at 01:24 AM.
02-11-2023 at 01:24 AM.
Not sure why but I can log in but doesnt let me apply for a card? Anyone else having the same issue?
Reply
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