Bilt Rewards Credit Card Full Review – Earn Valuable Rewards With Rent Payments To Any Landlord & More

We’ve posted a smattering of information on the Bilt Rewards Mastercard (1, 2, 3, 4, 5, 6) as the card evolved over the past year. I thought it useful to consolidate everything into a single formal review which we’ll try to keep updated. Please let us know in the comments if there’s anything missing in this review and I’ll add it in.


Direct application link for Bilt card

Bilt is a platform for paying rent. They’ve launched a credit card, in partnership with Wells Fargo, which offers the ability to charge your monthly rent to the card and earn rewards, even if your landlord does not accept credit card payments. You can earn up to 100,000 points per year and set up the payment to be sent out either via check or ACH (they give you a routing/account number to draw the rent from).

The card comes with many top-notch travel partners where you can transfer points and has no annual fee or foreign transaction fees. The Bilt credit card earns 3x on Dining, 2x on Travel, and 1x on all other purchases, including Rent payments.



Card earns the following reward earnings:

  • 3x points per dollar on Dining
  • 2x points per dollar on Travel (see this comment)
  • 1x points per dollar on all other purchases
  • 1x points per dollar on rent payments, up to 50,000 now 100,000 points per year
  • Note: You must make a minimum of five purchases per statement period to earn rewards (a rent payment counts as one)

They also offer a special ‘Bilt Rent Day’ rate for the first 24-hours of each calendar month to earn double rewards:

  • Dining: 6x points (regularly 3x points)
  • Travel: 4x points (regularly 2x points)
  • All other purchases (excluding rent): 2x points (regularly 1x points)


  1. Points are worth 1.5 cents each when applying them toward a down payment on a home (you might need to have ‘Gold’ status in order to use this option (?) which is someone who accrues at least 50,000 points in a calendar year)
  2. Points can be redeemed at a rate of 1.25 cents per points on the Bilt Rewards Travel Portal powered by Expedia. Points can be redeemed at 500+ airlines, 700K+ properties, 120+ car rental companies.
  3. Bilt is also a partner in the Amazon Shop With Points program which gives a redemption rate of .7¢ per point ($.007). A little better than the cash redemption rate.
  4. Points can be cashed out by applying them toward a future rent payment or offsetting any charge on the card at a rate of 0.55¢.

Points can also be transferred to travel partners at 1:1 ratio to the following travel partners:

  1. American Airlines AAdvantage
  2. World of Hyatt
  3. Air Canada Aeroplan
  4. Emirates Skywards
  5. Air France/KLM Flying Blue
  6. Turkish Miles & Smiles
  7. Virgin Atlantic Flying Club
  8. Hawaiian Miles
  9. Cathay Pacific Asia Miles
  10. IHG Hotels and Resorts
  11. United Miles

Points never expire. Points can be transferred in 2,000 point increments (or in lower 1,000 point increments for ‘Silver’ members who accrue at least 25,000 points in a calendar year).

Transfer Specials

Bilt often offers special transfer bonuses on Rent Day. The amount of the bonus depends on your status tier: Blue, Silver, Gold, or Platinum. Read more about how to reach those tiers our post here.

Signup Bonus

There is no official signup bonus on the card. Anecdotally, for many nows now (written 4/20/23), Bilt has been sending out a nice bonus for the first five days after signup which goes as follows (find the terms here), hopefully you’ll get this offer too:

  •  For 5 days from the date this email was sent, you will earn a total of 5 rewards points, (1 base point plus 4 bonus points), per $1 spent on net purchases (excluding rent). Max 50,000 total points can be earned with this offer.

Card Details

Other Bilt Benefits

Referral Program

Bilt offers a referral program: get 2,500 bonus Bilt points for each friend you refer to the Bilt Rewards Mastercard. For each five referrals, the referrer gets an additional bonus 10,000 points. I’m not aware of any limit to the 2,500 or 10,000 referral bonuses. Max 2,025,000 points can be earned from the Bilt referral program. (Terms)

No referral links in the comments below, please.

Our Verdict

The Bilt card is an easy opportunity for someone who rents to earn up to 100,000 valuable, transferable points per year by paying with the Bilt card at no cost for you or the landlord, even if your landlord does not accept credit card payment. Some people might be nervous trusting the system to have the rent in on time; I suppose you can set up the payment to go a week early and ensure it gets there on time.

Beyond the rent payment angle, there are some nice rewards and benefits which are unique to a no-fee card: 3x dining & 2x travel earnings are nice, primary car rental insurance is useful, along with other travel protections and no foreign transaction fee.

For those who don’t travel, the redemption options are more limited. The 1.5 cents value toward a future down payment is nice for someone who plans on buying a house in the near future, but otherwise you’re stuck with .55 cents value toward a rent payment or .7 cents value on Amazon.

In the end, I see this card as useful for someone who has a decently high monthly rent payment, who can make use of the valuable transfer partners, and who is willing to sacrifice a 5/24 spot for the card. The card can also make sense for someone starting out who doesn’t have many other chargeable expenses and wants to build a credit history with their rent payments. Or, more generally, it can be a practical no-fee starter card.

With the addition of the double Rent Day promo, the card gets more interesting for anyone who can manage to spend a lot in a single day, e.g. use the first day of each month to pay out the bills for the entire month.

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oldest most voted

Kyle Burbank
Kyle Burbank (@guest_1738223)
November 16, 2023 17:10

I got an email from Bilt today offering up to 5,000 bonus points on purchases from AT&T, Verizon, Sprint, T-Mobile, Comcast, Xfinity, Spectrum, Spotify, Netflix, and Hulu. 1,000 bonus points for the first transaction with each merchant up to the cap. Valid for the next 30 days (exact date isn’t stated). No idea if this is new or targeted but found it interesting.

C (@guest_1692794)
September 13, 2023 14:58

Mostly just venting, but wth Wells Fargo? First, I went to pending. I was added to the Bilt mailing list, but WF never sent me anything. I waited a couple weeks (recon hasn’t worked well for me with WF in the past). I called and they said the holdup was ID verification (which they were just sitting on, I guess?). So, as I was told to do, I faxed copies of ID, a bank statement with address, and a paystub with address. Got an email of denial.

Called again. Sparing details, they had issues with each of documents (which are all legitimate). So, as I was advised, I faxed a better photo of ID and two other bank statements with address. Got the denial again.

I am giving up, simply because I have no idea what would please them, but what is even going on with them? No reach-out at any point. And these ID checks are especially odd because I HAVE a checking account with them (same address) and have had credit cards with them (same address) in the recent past!

I guess I’ll try again in some months (wth, given that I would like to pay my rent this way), but happy to hear advice or similar stories…

Stone (@guest_1666443)
August 4, 2023 20:26

Does this card has Extended Warrant and Return Protection? Can’t find any info on this. Thanks,

Jason G
Jason G (@guest_1640396)
June 23, 2023 12:29

More from BILT on the illusive 5X promo:
“ This has always been a targeted offer sent randomly to only a few new cardholders. The information included in media articles regarding the Bilt Mastercard is independently collected by publishers and is not provided by or approved by Bilt. We do our due diligence with publishers to ensure the information they provide is accurate, but we do not control what they publish.”

Jason Goldwater
Jason Goldwater (@guest_1638221)
June 20, 2023 13:01

Approved for card, received and activated card last week, no 5x email bonus and app does not work to show card or transaction details

samsimon (@guest_1638165)
June 20, 2023 12:06

Who recently applied for their debit card? Hard pull? Three of them? I just called them, and the rep said it will be hard pull, most likely all three credit bureaus? I asked him again, because i don’t believe what he said, he said again, he said he is sure hard pull, and most likely three bureaus…

Mike C
Mike C (@guest_1607374)
April 27, 2023 17:19

Doesn’t look like Wells Fargo treats this as an eligible card for their cash back offers. Anyone have different results in getting the cash back when adding cash back offers from the Wells Fargo app?

Matt J
Matt J (@guest_1603136)
April 21, 2023 00:34

This card seems like a no brainer against the CSP (once you have gotten the sub) if you transfer to airline partners. What am I missing?

Eric (@guest_1635386)
June 16, 2023 02:05

The SUB.

FN (@guest_1599277)
April 17, 2023 04:12

How easy is it to increase the credit limit with Bilt? How soon after account opening can you request it and is it a hard pull? They gave me a low-ish credit limit and as a result, my utilization is high when rent is charged which drops my credit score every month. I can use Bilt Protect and pay directly from my bank account, but given the higher interest rates, I feel having the money gain interest in my account for an extra 25 days every month is worth it.

Credit Card Offers
Credit Card Offers (@guest_1597367)
April 14, 2023 05:30

Is it easy to get approved for the bilt card do they ever ask for verification docs