The Bilt Credit Card Review

Earn rewards while paying rent and enjoy travel perks with this one-of-a-kind credit card designed for renters and adventurers alike.

The Bilt Credit Card is redefining the way we think about rent payments. Traditionally, rent has been an unavoidable expense with no rewards or incentives. The Bilt Credit Card changes that by allowing you to earn rewards points on your monthly rent payments without any transaction fees, while also offering a suite of perks for travel, dining, and more.

With no annual fee and a user-friendly rewards structure, this card caters to renters who want to maximize the value of their spending. Whether you’re a frequent traveler, a food enthusiast, or someone who simply wants more out of their financial tools, the Bilt Credit Card offers a compelling combination of benefits.

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BILT CARD

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Detailed Benefits

No Annual Fee

Unlike many other cards, the Bilt Credit Card ensures you can enjoy its exceptional perks without paying an annual fee. This means more money stays in your pocket while you benefit from all the card’s features.

Earn Rewards on Rent Payments

With the Bilt Credit Card, earning points on your rent is effortless. By making at least five transactions per billing cycle, you unlock the ability to earn points across various categories, including rent. Without the minimum activity, rent payments earn a flat 250 points. Boost your rewards by using the card for daily purchases, from your morning coffee to a quick snack.

Cardholders earn:

• 5 points per dollar on Lyft rides,
• 3 points per dollar on dining,
• 2 points per dollar on travel (booked directly or via the Bilt portal),
• 1 point per dollar on rent (up to 100,000 points annually), and
• 1 point per dollar on all other purchases.

Access to Travel Partners

Planning a getaway? The Bilt Credit Card connects you to an extensive range of travel partners. Redeem your points for exclusive deals on flights, hotels, and other travel-related expenses. Whether it’s a dream vacation or a quick trip, this card brings a world of rewards to your travels.

Bonus Categories to Maximize Rewards

Enjoy even more value by earning extra points on categories tailored to your lifestyle. From dining out to entertainment and beyond, this card rewards you for everyday activities, making every purchase more rewarding.

Double Points on Rent Day

Turn the first day of the month into an opportunity to maximize rewards. On Rent Day, you’ll earn double points in all categories except rent (which remains at 1X). That means 6X points on dining, 4X on travel, and 2X on everything else.

Bilt Rewards Alliance

The Bilt Rewards Alliance connects cardholders living in eligible rental properties with even greater earning potential. Residents can earn up to 100,000 points annually by using the card for their rent and completing five transactions each billing cycle.

Earn Interest on Points

As a Bilt Rewards Program member, your points can grow over time. Members are categorized into tiers—Blue, Silver, Gold, and Platinum—based on annual points accumulation. Upon reaching Silver status, you start earning bonus points as interest on your balance, calculated monthly based on your average points.

Flexible Redemption Options

Use your points how you want. Redeem them to pay your rent, book travel (flights, hotels, and activities), sign up for fitness classes like SoulCycle, shop for merchandise, or even save for a down payment on a home through Bilt financing. Points also contribute toward your member status within the Bilt program.

Primary Rental Car Insurance

When you use your Bilt Credit Card to pay for a rental vehicle, you receive complimentary primary auto insurance coverage. This benefit eliminates the need for costly add-ons at the rental desk, saving you money and ensuring peace of mind.

Cell Phone Protection

Pay your monthly phone bill with the Bilt Credit Card and enjoy up to $800 in coverage if your phone is damaged, stolen, or lost. With a low $25 deductible, this is one of the best protection plans available on any credit card.

Who Can Apply?

The Bilt Credit Card is best suited for individuals with good to excellent credit scores (typically 670 or higher). Applicants should also meet general credit card eligibility criteria, such as a steady income and responsible credit history.

How to Apply?

Follow these simple steps to apply for the Bilt Credit Card:

1. Visit the Official Website: Go to the Bilt Credit Card’s official page to start your application process.
2. Fill Out the Application Form: Provide your personal information, including name, address, and income details.
3. Submit the Form: Double-check your information and click “Submit.”
4. Wait for Approval: You’ll receive a response regarding your application status, often within minutes.
5. Start Using Your Card: Once approved, you’ll receive your card in the mail and can begin enjoying its benefits.

FAQs

Can I pay rent to any landlord with this card?

Yes, the Bilt Credit Card works with a wide range of landlords. Even if your landlord doesn’t accept credit cards, Bilt can send a check on your behalf.

Is there a limit on the rewards points I can earn from rent payments?

While there are no caps on earning points in general, some restrictions may apply based on your landlord’s eligibility or the payment amount.

What’s the APR for the Bilt Credit Card?

The card’s APR varies based on your creditworthiness. Be sure to review the terms and conditions for specific details.

Are the travel partners reliable and diverse?

Yes, Bilt’s travel partners include leading airlines and hotel groups, providing plenty of options for redeeming your points.

CREDIT CARD

BILT CARD

ZERO ANNUAL FEE BILT POINTS

GET CARD You will be redirected