Bilt Mastercard Credit Card

The Bilt Mastercard® is a unique rewards credit card that offers renters the ability to earn rewards points on rent payments without any transaction fees.

Issued by Bilt Rewards, this card is specifically tailored for individuals who rent their living spaces and want to maximize the value of their rent payments.

It offers points on every purchase, including rent payments, which are typically excluded from most credit card rewards programs.

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About the Issuer

The Bilt Mastercard® is issued by Bilt Rewards, a relatively new and innovative company that has partnered with major banks to bring renters an easy way to earn rewards through everyday spending.

Bilt Rewards is part of the Mastercard network, which is recognized globally for its secure payment platform and wide acceptance at merchants.

Bilt Rewards is designed with renters in mind, offering a unique opportunity for those who may not have had the chance to earn rewards on rent payments before.

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Who Is This Card For?

The Bilt Mastercard® is ideal for:

• Renters who want to earn rewards on their monthly rent payments. The ability to pay rent with a credit card and earn rewards is a game-changer for those who have been unable to gain rewards from their housing costs in the past.
• Frequent travelers who want to earn travel rewards points. Bilt Rewards points can be redeemed for flights, hotels, and more, making this card a good option for travel enthusiasts.
• Fitness enthusiasts who want to earn points towards fitness memberships and workout classes, as Bilt offers partnerships with popular fitness companies such as Peloton and SoulCycle.
• Consumers who want a no-annual-fee card that still offers the opportunity to earn valuable rewards on every purchase.

Who Should Avoid This Card?

• Homeowners who don’t rent their living space won’t be able to take full advantage of the rent payment feature of this card.
• Individuals who prefer traditional rewards systems that focus solely on travel or cashback rewards might find the Bilt Rewards program to be more niche and specific.

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Top Benefits of the Bilt Mastercard®

Earn Points on Rent Payments

• The standout feature of the Bilt Mastercard® is its ability to allow users to earn rewards points on rent payments. Cardholders can earn 1x points for every dollar spent on rent with no transaction fees, which is unique compared to most credit cards.

 Earn Points on Everyday Purchases

• In addition to rent payments, cardholders earn 1x points on all other purchases, including groceries, dining, travel, and more. This makes the Bilt Mastercard® a versatile option for people who want to earn rewards on a variety of everyday expenses.

 Welcome Bonus

• New cardholders can earn a generous welcome bonus of 30,000 Bilt Rewards points after making three purchases within the first three months of card membership. This is a great start to building up your rewards points.

 No Annual Fee

• One of the most attractive features of the Bilt Mastercard® is its no annual fee structure. This makes it accessible for cardholders who want to earn rewards without having to worry about paying an annual fee to enjoy the benefits of the card.

 Flexible Redemption Options

• Bilt Rewards points can be redeemed for a wide range of rewards, including travel, gift cards, fitness classes, merchandise, and even as a rent payment. Cardholders can use their points in any way that suits their needs, giving them maximum flexibility.

 Bonus Categories

• In addition to earning points on rent and everyday purchases, cardholders can earn 2x points on travel and 3x points on dining, which include both restaurants and takeout. These categories make it easy to rack up points with frequent purchases.

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Fees & Interest Rates

Annual Fee: $0
APR (Interest Rate): 15.99% – 22.99% variable
Cash Advance Fee: Either $10 or 5% of the cash advance, whichever is greater
Late Payment Fee: Up to $40
Returned Payment Fee: Up to $40
Foreign Transaction Fee: None
Minimum Payment: The greater of $25 or 1% of the balance (plus fees and interest)

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Is the Bilt Mastercard® Worth It?

For renters, the Bilt Mastercard® is a game-changer. Here’s why:

Pros:

Earn points on rent payments with no fees, which is a rare feature for credit cards.
1x points on everyday purchases and 3x points on dining, making it a solid card for regular spending.
No annual fee, which makes it accessible for everyone.

Cons:

Limited redemption for homeowners, as renters will benefit most from the card’s features.
Interest rates are higher than average for those who carry a balance.
Points are best used for specific categories, so cardholders who don’t find value in fitness or travel rewards may not get as much out of the program.

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