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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
1,020,017 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
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+190
1,020,017 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 2009
L6: Expert
> bubble2 1,071 Posts
321 Reputation
mitun733
01-06-2024 at 09:18 PM.
01-06-2024 at 09:18 PM.
I've been using this since July now to pay my apartment rent. Never had an issue with a late payment, but I do submit payments on the 28thish. Been using points to cover regular amazon purchases because it's slightly more value than redeeming for statement credit.
Reply
Joined Jan 2018
New User
> bubble2 4 Posts
10 Reputation
UsefulMaintenance
01-06-2024 at 09:57 PM.
01-06-2024 at 09:57 PM.
Quote from walamaking View quoted comment :
Can this be used to pay HOA fees?

Yes. I'm making payments to HOA
1
Reply
Joined May 2022
L7: Teacher
> bubble2 2,324 Posts
142 Reputation
1453191819231991
01-06-2024 at 10:17 PM.
01-06-2024 at 10:17 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"?

No, but you can role play with your wife on these fantasiesSmilie
Reply
Joined Dec 2008
Teacher's Teacher
> bubble2 2,784 Posts
1,843 Reputation
rocky2007
01-07-2024 at 04:21 AM.
01-07-2024 at 04:21 AM.
Can a landlord exploit this? My tenant writes me monthly checks. Don't think they are ready for a credit card anytime soon.
Reply
Joined Aug 2019
Mom!! I made it to L2
> bubble2 92 Posts
18 Reputation
Mohit1908
01-16-2024 at 01:16 AM.
01-16-2024 at 01:16 AM.
Does bilt work on active building?
Reply
Joined Nov 2011
New User
> bubble2 14 Posts
10 Reputation
whawhaxd
01-23-2024 at 07:42 PM.
01-23-2024 at 07:42 PM.
Provided that I'm qualified, once I get the instant approval, can I start using it right away before the physical card comes in the snail mail? Or I would need the physical card to pay the rent for my Feb 1st rent due?
Reply
Joined Feb 2016
New User
> bubble2 1 Posts
10 Reputation
jituamba
01-25-2024 at 02:16 AM.
01-25-2024 at 02:16 AM.
Quote from CBale View quoted comment :
Buy i dont want to use for 6 transactions… can we order something and cancel that. Will it be counted?

Buy $1 Amazon gift card 5 rtimes
Reply

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Joined Mar 2006
L4: Apprentice
> bubble2 464 Posts
81 Reputation
goatee87
01-25-2024 at 01:50 PM.
01-25-2024 at 01:50 PM.
If you're thinking of scamming/churning Bilt with rent payments, please don't. I pay an exorbitant amount in rent. After my first month's payment, I was "audited" and I had to submit proof of lease. It was addressed quickly, but I did follow up with some angry feedback that they shouldn't wait till the day before the check is supposed to go out to do an audit. (They almost caused my rent check to be late.) Since then, no problems. That was about 8 months ago.

The points are pretty valuable because Hyatt is a partner. That's the best redemption value, IMO. American is an added bonus, so it's a good complimentary card to Chase Sapphire/Reserve, which does not have American as a transfer partner.

Now I just need a Delta transfer partner for flexibility.

The founder, though, seems like a tool.
Reply
Joined Apr 2019
New User
> bubble2 1 Posts
10 Reputation
Jayson20
01-26-2024 at 07:24 AM.
01-26-2024 at 07:24 AM.
Quote from jrlcopy View quoted comment :
I think if anything, they'd probably rather have it be recatagorized as a cash advance on the credit card, i.e. higher interest rates.

But yeah, I love it, my rent is high since I live in a major city, so I come pretty close to that 50k max points each year, for basically doing nothing different and having one more open credit line on my account.

Overall my only gripe is how long it takes for my rent to actually appear on the credit card side:
On the 1st, I'll pay my rent via the online bill portal RentCafe, I'm happy, landlord is happy.
But it won't actually get posted on Bilt until the 6th or 7th.
They day it gets posted I then pay the Bilt CC bill, so 0 interest gets charged to me.

I use rent cafe as well so I can assume it's one of the companies they accept. If I understand correctly then you are being charged the same price as if you use a debit or checking account correct? Thanks
Reply
Joined Jul 2013
L4: Apprentice
> bubble2 308 Posts
343 Reputation
muskmelon
01-26-2024 at 08:44 AM.
01-26-2024 at 08:44 AM.
Quote from Jayson20 View quoted comment :
I use rent cafe as well so I can assume it's one of the companies they accept. If I understand correctly then you are being charged the same price as if you use a debit or checking account correct? Thanks

Though the question was not addressed to me I can answer it. I also use rent cafe and the amount is exactly the same that I used to have previously. That is the beauty of this card. You get points without any charges for paying rent.
Reply
Joined Dec 2016
L3: Novice
> bubble2 251 Posts
28 Reputation
awassa
01-28-2024 at 04:24 AM.
01-28-2024 at 04:24 AM.
I won't be surprised to see BILT figuring out how to add mortgage payments. Can't wait to hear the results of their research results.
Reply
Joined Dec 2017
L1: Learner
> bubble2 22 Posts
22 Reputation
superjepoy2016
01-28-2024 at 04:18 PM.
01-28-2024 at 04:18 PM.
does this card offer 0% apr for limited months?
Reply
Joined Aug 2019
Mom!! I made it to L2
> bubble2 92 Posts
18 Reputation
Mohit1908
02-02-2024 at 08:43 PM.
02-02-2024 at 08:43 PM.
Isn't BILT a predatory lender, i.e. notorious for dinging your credit and then denying you if you have good credit. the logic is that good credit = payment on time so no money through fines/interest for the lender
1
Reply
Joined Feb 2023
New User
> bubble2 4 Posts
10 Reputation
MasterBaiter23
02-14-2024 at 09:25 PM.
02-14-2024 at 09:25 PM.
I've had this card for close to a year now and I use it every month to pay for my mortgage. In the beginning, I used it to pay my mortgage and rent payment for a family member but eventually they told me I could only use it for one "rental" payment or they would close my account. I've stuck to using it only for mortgage ever since.
1
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Joined Aug 2007
L3: Novice
> bubble2 268 Posts
33 Reputation
zarraza
02-14-2024 at 10:04 PM.
02-14-2024 at 10:04 PM.
I sure wish they'd hurry and figure out a way to allow homeowners an opportunity to earn….. many months ago they said they were "working on it" but I haven't seen anything about it yet!
1
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