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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 Dec 2004
L10: Grand Master
> bubble2 13,061 Posts
1,412 Reputation
kensteele
01-05-2024 at 01:00 PM.
01-05-2024 at 01:00 PM.
Quote from darthvader007 View quoted comment :
Exact same thing happened to me. 7$ on twitch multiple charges. Had to call customer care to get it sorted. This happened 3 times in past one year.
I'm not sure if this is what happened to my card as well but I cannot use the card details (numbers) online; only when teh card is present will the charge get approved. Any attempt to use the card number/exp date online gets denied. I'm ok with this since I never use it except for 5 small purchases at local places and of course, on Amazon to spend the points. Which reminds me, I cannot use the card on Amazon, it is blocked and the charges are denied. The only charge that goes thru is when I use all points to make my Amazon (and $0 charged to the card). This happened awhile back when a bunch of WS accounts got hacked and I never called it to get the block(s) lifted. I'm ok with this because the account being frozen meant rent payment might not go thru but I have since learned of the workaround called BiltProtect.
Reply
Joined May 2008
Pony
> bubble2 2,829 Posts
1,276 Reputation
pony
01-05-2024 at 02:43 PM.
01-05-2024 at 02:43 PM.
Quote from d0min0 View quoted comment :
if you pay rent with the ACH paypal method, will the landlord get a 1099 or a big tax bill at the end of the year? my landlord won't take it if that happens

Your landlord is supposed to pay taxes on your rent, no matter how it's received.

When he is audited, they will go back infinitely and find every dollar he's been paid.

And whoever reports him can win 20% of his total tax liability.
1
Reply
Joined Oct 2021
New User
> bubble2 2 Posts
10 Reputation
SiennaLaborer2914
01-05-2024 at 03:23 PM.
01-05-2024 at 03:23 PM.
Can my wife pay me with the built card as I'm the one that actually pays for the mortgage? This way she receives the points and I'm the "landlord"?
1
Reply
Joined Nov 2020
New User
> bubble2 2 Posts
Y_Patel3500
01-05-2024 at 03:43 PM.
01-05-2024 at 03:43 PM.
If you pay by check, BILT provides you with a routing and account number that u can use to pay rent with.
Reply
Joined Dec 2010
L2: Beginner
> bubble2 39 Posts
10 Reputation
KManhattan
01-05-2024 at 06:33 PM.
01-05-2024 at 06:33 PM.
Quote from ssravan View quoted comment :
Would it waive the usual 3% transaction fee for using credit card for rent payments ?

Yes because it doesnt show up as a "credit card" to the rent portal
1
Reply
Joined Oct 2009
L3: Novice
> bubble2 204 Posts
203 Reputation
socr209905
01-05-2024 at 07:09 PM.
01-05-2024 at 07:09 PM.
To clarify a ton of the common questions:
You can use this with any apartment that accepts payments online through a checking account. Bilt will create a checking account that is directly linked to the card. You provide your apartment with the checking info, but the payment is actually made from your card. Added bonus to this system, you can set up the card so that when rent is paid from the Bilt checking account, it does NOT charge your card, rather it automatically pays what would have been the charge from your "normal" checking account. Instantly.

No, you cannot use it for a mortgage per Bilt TOS.

RENT DAY is on the first of every month and provides double whatever the regular points are. I do 75% of all my subscriptions and try to do all larger purchases on the 1st.

In a single year I've got enough points for almost 2 round trip flights to Cancun. Have paid exactly ZERO interest because I just send whatever the balance is 3-4 times a week as if it was my debit card.

There are other benefits but the real power is earning points for rent. And it's easy AF.
Reply
Joined Dec 2005
L6: Expert
> bubble2 1,212 Posts
521 Reputation
Pro
offbeat
01-05-2024 at 09:14 PM.
01-05-2024 at 09:14 PM.
I assume this carries standard Mastercard purchase protection? If you're having issues and move out, file a charge back on the last 2 months rent. Let the CC figure it out.
Reply

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Joined Sep 2013
L1: Learner
> bubble2 17 Posts
10 Reputation
shawarma
01-05-2024 at 09:38 PM.
01-05-2024 at 09:38 PM.
Quote from MomoLove View quoted comment :
Used it and they sent my rent payment in late. Poor customer service

Don't risk your credit and your ability make rent on time, with these guys.
Reply
Joined Jul 2015
New User
> bubble2 17 Posts
18 Reputation
MatthewM5597
01-06-2024 at 09:52 AM.
01-06-2024 at 09:52 AM.
Just have to say I have this card and love it. We live in a VHCOL city and max out the 100k/year points which can be transferred to hotel or airlines for a good redemption level. If anything, it makes paying rent easier as BILT automatically generates and mails a check to my landlord once a month so I don't even have to remember to do this. In some ways, it's also a no-interest 30-day loan as I don't actually pay my rent until the following month when the bill is actually due. I set up some recurring small subscriptions to bill monthly on rent day (double points) and sometimes use the card for restaurant outings if it falls on the 1st (6% points) to reach the 5 transaction per month requirement. Already have been redeeming for flights, so essentially adds up to free vacations for paying my rent through them.
Reply
Joined May 2008
Pony
> bubble2 2,829 Posts
1,276 Reputation
pony
01-06-2024 at 11:54 AM.
01-06-2024 at 11:54 AM.
Quote from SiennaLaborer2914 View quoted comment :
Can my wife pay me with the built card as I'm the one that actually pays for the mortgage? This way she receives the points and I'm the "landlord"?

Sure, landlord, don't forget to report the rent as taxable income or the IRS comes after you. Also, you can't live at the same address.
Reply
Joined Jul 2015
L4: Apprentice
> bubble2 307 Posts
146 Reputation
ssiemonsma
01-06-2024 at 01:23 PM.
01-06-2024 at 01:23 PM.
Quote from headleygrange View quoted comment :
Although the card is securely locked in a safe and I only use it for rent payments (using routing and account number), my card number was fraudulently used for a twitch subscription. I immediately called and got a new card. First time in 20 years, my card got stolen.

This card has had a lot of fraud issues on it. It's nothing that was caused by the users. Built actually addressed this about a year ago on the Bilt subreddit. They claimed that a fraud ring was brute forcing the credit card numbers basically. Still, the problem is much worse than I have ever seen on any other card, so it feels like they must have been doing something very wrong or had an insider problem. I recently had a couple of "Roku for Roku" fraudulent charges that were not-so-silently reversed (I can still see the charges and reversals) before I ended up calling them to report the fraud. It's frustrating that they still have issues like this considering what a good rewards card this is.
Reply
Last edited by ssiemonsma January 6, 2024 at 05:41 PM.
Joined Oct 2009
L3: Novice
> bubble2 204 Posts
203 Reputation
socr209905
01-06-2024 at 01:55 PM.
01-06-2024 at 01:55 PM.
Quote from erol View quoted comment :
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.

Not true at all. If your company isn't in the Bilt network, then Bilt issues a checking account for you to leverage for online or physical check payments.
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,364 Posts
4,346 Reputation
Knightshade
01-06-2024 at 02:12 PM.
01-06-2024 at 02:12 PM.
Quote from socr209905 View quoted comment :
Not true at all. If your company isn't in the Bilt network, then Bilt issues a checking account for you to leverage for online or physical check payments.

Note that checking account still does not work with at least one major rent payment service (Zillow).

Bilt will manually credit you points for paying the rent anyway if you're a cardholder- you just have to email them email month with your receipt paid via your own normal bank account.
Reply
Joined May 2006
L5: Journeyman
> bubble2 801 Posts
100 Reputation
RR78
01-06-2024 at 09:09 PM.
01-06-2024 at 09:09 PM.
Quote from Tarantado View quoted comment :
Can this be used to pay for mortgages?
If they accept credit cards. But of course none will.

Same thing with paying your rent. Only the Landlords that do short term rentals accept credit cards.
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Joined May 2006
L5: Journeyman
> bubble2 801 Posts
100 Reputation
RR78
01-06-2024 at 09:11 PM.
01-06-2024 at 09:11 PM.
Quote from SiennaLaborer2914 View quoted comment :
Can my wife pay me with the built card as I'm the one that actually pays for the mortgage? This way she receives the points and I'm the "landlord"?
If you are willing to sign up to receive credit card payments. And are ok with paying the 5% fee on each transaction.
1
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