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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.

+190 Deal Score
971,660 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 [CTA] 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 7, 2024 at 09:35 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 [CTA] to learn more about the product features, terms, and conditions



See Rates and Fees
Rewards and Benefits

Slickdeals may be compensated by Bilt Rewards
Add Comment
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
971,660 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.

976 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 Apr 2024
New User
> bubble2 2 Posts
10 Reputation
SeriousWriter9231
03-09-2025 at 11:32 AM.
03-09-2025 at 11:32 AM.
Quote from Tarantado :
Can this be used to pay for mortgages?

yes, it works since 2025
2
Reply
Joined Nov 2007
HI there
> bubble2 1,491 Posts
270 Reputation
phillip9
03-14-2025 at 08:27 AM.
03-14-2025 at 08:27 AM.
Quote from Tarantado :
Can this be used to pay for mortgages?
I don't pay my mortgage.

They can come and take it anytime they want.
Reply
Joined Dec 2004
L10: Grand Master
> bubble2 12,510 Posts
1,365 Reputation
kensteele
03-17-2025 at 02:16 PM.
03-17-2025 at 02:16 PM.
Got an email that says their process is changing and then they went on to explain some ridiculous process that's bound to fail if you don't get it precisely right. Wasn't exactly clear if the actual payments are affected or is it just the rewards but either way, not going to take any chances. Unless Bilt or someone explains it clearly what has to be done to prevent an interruption then after April, I will change my payment back to ACH which I know works and sit it out until I can figure it out myself. Months and years of no payment issues with the landlord and I'm not in the mood for any self-inflicted problems when I had no gripes with the way it works presently....meaning, the answer should have been "if you do nothing then nothing changes for you."
Reply
Joined Apr 2020
L3: Novice
> bubble2 104 Posts
81 Reputation
Ehcuod
03-25-2025 at 12:02 PM.
03-25-2025 at 12:02 PM.
Quote from TumoyiaR :
I use it for my mortgage

Did you earn points off the transaction?
1
Reply
Joined Apr 2020
L3: Novice
> bubble2 104 Posts
81 Reputation
Ehcuod
03-25-2025 at 12:02 PM.
03-25-2025 at 12:02 PM.
Quote from TumoyiaR :
I use it for my mortgage. It provides a routing and checking account number to use online. I also use it to pay utilities.

Did you earn points off the transaction?
1
Reply
Joined Nov 2014
Defector
> bubble2 334 Posts
57 Reputation
3peen
03-28-2025 at 11:49 AM.
03-28-2025 at 11:49 AM.
I can't support a company that tricks me into thinking it's a BLT deal every time I see it posted. I want bacon.
Reply
Joined Aug 2019
L3: Novice
> bubble2 179 Posts
57 Reputation
ThriftyLaborer448
03-28-2025 at 12:55 PM.
03-28-2025 at 12:55 PM.
Quote from k_young32 :
Going to sign up for the card this week but wanted to confirm the 5X for first 5 days promotion starting from when you receive the physical card is still going on?
If anyone can help that would be greatly appreciated before I sign up, thanks!
Yes on the day the card arrived, I got the email. Frantiacally putting all my spends like utilities month on in Bilt card.
Reply

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Joined Sep 2005
L4: Apprentice
> bubble2 1,384 Posts
526 Reputation
Zorn
04-01-2025 at 08:33 AM.
04-01-2025 at 08:33 AM.
Supposedly they are working on a version of the card for mortgage payments, although I have no idea how that would make any financial sense to them. I remember back when Plastiq was still useful some people found ways to make mortgage/auto payments and they would get very rapidly shut down.
Reply
Joined Sep 2019
L1: Learner
> bubble2 21 Posts
10 Reputation
dukesmith
04-01-2025 at 11:41 AM.
04-01-2025 at 11:41 AM.
If you go to Biltrewards reddit, you will see a lot of people are complaining about how confusing their new rent pay system is. It seems to be confusing and causing people late rent payment too. I would wait until this issue gets stabilized then considering application. No sign up bonus anyways, just wait and see.
Reply
Joined Oct 2012
L2: Beginner
> bubble2 81 Posts
18 Reputation
otj287
04-04-2025 at 12:40 PM.

Our community has rated this post as helpful. If you agree, why not thank otj287

04-04-2025 at 12:40 PM.
Quote from dukesmith :
If you go to Biltrewards reddit, you will see a lot of people are complaining about how confusing their new rent pay system is. It seems to be confusing and causing people late rent payment too. I would wait until this issue gets stabilized then considering application. No sign up bonus anyways, just wait and see.
Yes -- I am one of those people ... Have had the rent card for a few years and used it to pay rent. New system came in place and it's been a cluster. It seemed like my rent payment was processed and then got an email saying that they want a copy of my lease to verify and they canceled the check they mailed to the landlord.

While I certainly enjoy the extra points, this has caused a headache (and the reddit forums have so many of "us" that this has happened to... double charges, etc). What irks me is that they give you 24 hours to upload a copy of the lease for their verification and I'll have to go scan the lease and redact my personal info if I care to even continue down the path let alone in their 24 hour period. Not sure I'll even bother for the bonus points tbh.
2
Reply
Joined Nov 2012
L3: Novice
> bubble2 100 Posts
34 Reputation
sdnice
04-05-2025 at 09:02 AM.
04-05-2025 at 09:02 AM.
Yes, their wording is confusing, so I clarified with Bilt Rewards. Pretty simple actually.

A but of history. Bit had 4 ways of paying your rent using your credit card (without incurring 3% credit card fee AND with getting Bilt rewards points:

1. If your landlord was part of a Bilt Payment Network then you would have Bilt pay the rent directly and charge the amount to your Bilt credit card. People have mentioned glitches with this process, missed payments etc. I personally have no experience since I've always used method 2.

2. If your landlord isn't part of the Bilt Payment network then Bilt would create a virtual checking account for you with an account no. and 8-digit Routing Number with a bank named Evolve Bank and Trust. You would enter this acct number, routing number and Bank name in your landlord's rent payment portal. I've used this for almost two years and never had any issues

3. If your landlord doesn't have an online portal, then Bilt is supposed to mail them a physical check from the same virtual account. I haven't used it so can't comment.

4. Online payments using Paypal/Venmo etc - no idea how that worked

What is changing: (1) Bilt is moving away from Evolve Bank to Column N.A (2) Bilt is also requiring a MAX rent amount that has to be Pre-Authorized. By default, the authorization stays valid for 5 days to submit payment so you will need to re-do it next month. However, there is an option to Auto-Authorize this MAX amount every month so, effectively, you will need to do it only once.

Also note, if your routing number is 121145307, you don't need to change the bank account (I'm assuming this is the new checking bank they are moving to) but you WILL need to pre-authorize..

In my case, my landlord requires 2 small verificaion deposits for new accounts, so I will be starting the process on 4/28 to allow 2-3 days for the micro deposit verifications and be ready by 5/1.

I will also be checking the verification status every month before submitting my rent.
Reply
Joined May 2013
L5: Journeyman
> bubble2 675 Posts
127 Reputation
CouponFinder99
04-06-2025 at 05:19 AM.
04-06-2025 at 05:19 AM.
Wish they did this on mortgages.
Reply
Joined Jul 2022
Techie_Review
> bubble2 513 Posts
135 Reputation
techie_review101
04-06-2025 at 09:10 AM.
04-06-2025 at 09:10 AM.
Quote from CouponFinder99 :
Wish they did this on mortgages.
something thats coming in 2025 apparently. i won't believe it or sign up for a CC till it is rolled out
Reply
Joined Jan 2014
L4: Apprentice
> bubble2 428 Posts
87 Reputation
Luka817
04-06-2025 at 10:17 PM.
04-06-2025 at 10:17 PM.
Poor merchant reputation. Avoid this and get a better reward card instead.
Reply

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Joined Oct 2012
L2: Beginner
> bubble2 81 Posts
18 Reputation
otj287
04-12-2025 at 07:40 AM.
04-12-2025 at 07:40 AM.
Quote from otj287 :
Yes -- I am one of those people ... Have had the rent card for a few years and used it to pay rent. New system came in place and it's been a cluster. It seemed like my rent payment was processed and then got an email saying that they want a copy of my lease to verify and they canceled the check they mailed to the landlord.

While I certainly enjoy the extra points, this has caused a headache (and the reddit forums have so many of "us" that this has happened to... double charges, etc). What irks me is that they give you 24 hours to upload a copy of the lease for their verification and I'll have to go scan the lease and redact my personal info if I care to even continue down the path let alone in their 24 hour period. Not sure I'll even bother for the bonus points tbh.
Agree 100%. Everything was fine until it wasn't... new system is horrible, my check didn't process as it should because I got the verification email too. Reached out to landlord to say don't cash check... just a cluster. By the time I saw the email, it was beyond their "24 hour" requirement so didn't bother.
Reply
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