The Bilt Mastercard permits you to earn rewards on lease funds with no transaction charges. And shortly, you can earn factors on mortgage funds as effectively. For anybody seeking to reap the benefits of these typically excessive month-to-month funds, this can be the best card for you.
Whereas at present issued by Wells Fargo, the Bilt Mastercard will bear some adjustments in February 2026. In the event you at present have the Bilt Mastercard and select to just accept the free transition to the brand new Bilt Card 2.0, you’ll retain your factors and Bilt membership, although your new Bilt card (of which there shall be three choices to select from) will now not be affiliated with Wells Fargo as of February 7, 2026.
At that time, you may select to maintain your Wells Fargo account or shut it. In the event you maintain it, the previous card account shall be transformed to an Autograph Visa card with a brand new card quantity.
For now, you may proceed utilizing your Bilt Mastercard, and we’ll present extra updates because the information is launched.
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Rewards price
- 3x factors on eating
- 2x factors on journey
- 1x factors for lease funds (as much as 100,000 factors every calendar 12 months)
- 1x factors on every part else
- Use your card 5 instances every assertion interval to earn factors
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Advantages
- Get double factors in your spending on the primary of every month (besides lease, as much as 1,000 bonus factors)
- Earn factors in your lease fee with out the transaction payment
- Redeem your factors for future lease funds, a down fee for a home, health lessons, journey, and extra
You may earn rewards so long as you employ your Bilt Mastercard a minimum of 5 instances each month. You may double your factors once you use your card on the primary of the month (lease funds are excluded from this). You’ll earn:
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3x factors on eating (6x on the primary of the month)
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2x on journey (4x on the primary of the month)
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1x on lease funds and every part else
Bilt permits you to redeem factors in many alternative methods, together with journey, buying, items and providers, in addition to lease.
You’ll have to obtain the Bilt rewards app the place you may handle redemptions, autopayments, and card administration. You can too undergo the Bilt web site. You may redeem factors:
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As a press release credit score
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As funds for a down fee
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On flights, resorts, or different journey lodging
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On choose health lessons
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House decor
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On upcoming lease funds
Factors convert at completely different charges relying on how they’re redeemed. For journey, it’s a 1:1 ratio. However when changing to funds as a down fee, for instance, factors convert to $0.015 per level. So in case you have, say, 10,000 factors, that equates to $150 in direction of a down fee.
Every partnership Bilt has can yield completely different redemption ratios, together with buying with Amazon or redeeming for lease funds. So it’s possible you’ll not get the identical redemption ratio each time you redeem your factors in another way.
Bilt Mastercard factors don’t expire so long as your account is open and energetic. However bear in mind, you might want to use your card a minimum of 5 instances a month to earn factors. In the event you don’t use your card for 18 consecutive months, your card is taken into account inactive. As soon as inactive, you’ll lose all of your factors that haven’t been redeemed but.
In the event you pay your mobile phone invoice along with your Bilt Mastercard, you’ll rise up to $800 in mobile phone safety in case your telephone is broken or stolen. All purchases made along with your Bilt Mastercard are additionally coated, as much as $10,000, inside 90 days of your buy.
You can too get pleasure from journey cancellation safety, the place you may get the price of a nonrefundable journey reimbursed once you pay for it along with your Bilt Mastercard. You additionally get delay reimbursement, which is equal to journey insurance coverage. You may rise up to $200 in journey delay bills per day, per traveler, as much as $1,800 in complete for all vacationers for every journey.
The Bilt Mastercard is finest for renters who wish to show robust creditworthiness by way of on-time lease funds and wouldn’t in any other case have a method to showcase their good credit score use (whether or not by way of one other bank card or mortgage).
It’s additionally an ideal card to earn and redeem rewards in many alternative methods. There aren’t very some ways to showcase that you just’re accountable with credit score by way of lease funds whereas additionally incomes factors in direction of a press release credit score, lease funds, a down fee, in addition to different conventional strategies, like buying and touring. In the event you’re a renter and wish to maximize rewards in alternative routes, together with saving for a down fee afterward, this card is perhaps nice for you.
In the event you’re a house owner, you don’t journey a lot, or you have already got a card that rewards you for the kind of spender you’re, then it’s possible you’ll not profit an excessive amount of from the Bilt Mastercard. However even those that don’t lease can nonetheless benefit from the huge rewards redemption choices, cellphone safety, and journey perks.
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Pay your lease. Paying lease with a bank card with out dealing with transaction charges is the largest profit, even for people who use conventional fee strategies, like with a test or by way of Venmo.
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Hefty point-earning choices. Incomes factors once you spend on lease, journey, and different purchases is very nice as an all-around card, particularly since you may double factors once you use your card on the primary of the month.
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No international transaction charges. You should use it as a journey bank card with out dealing with any international transaction charges once you use it abroad.
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A lot of redemption choices. You may convert factors to future lease funds or down fee on a house.
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$0 annual payment. Having any sort of travel-related card with out an annual payment is engaging.
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Journey cancellation safety and journey delay reimbursement. You will get reimbursed the price of a nonrefundable ticket and in addition get delay reimbursement when you purchase journey lodging along with your card.
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Required minimal card utilization to qualify for rewards: That you must use your card a minimum of 5 instances a month to qualify for rewards. Most playing cards don’t have this requirement.
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No sign-up or welcome bonus: Many journey and cash-back playing cards supply sign-up bonuses for brand new prospects, which Bilt doesn’t supply.
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Non-rent rewards aren’t aggressive: Whereas rent-related rewards are good, incomes and redeeming journey factors is perhaps extra aggressive with different playing cards in the marketplace.
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No Zelle assist: You should use Bilt when you pay your lease by way of Venmo, PayPal, and even with a test. However Bilt doesn’t assist Zelle funds fairly but.
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Inconsistent redemption coverage: Whereas some redemption choices are clearly outlined, Bilt has a great deal of companions that supply completely different redemption charges. It makes it exhausting to observe and determine find out how to maximize reward redemptions.
You should use your Bilt Mastercard at tens of millions of eating places, retailers, fuel stations, and different companies world wide, wherever Mastercard is accepted.
You may pay your Bilt Mastercard by way of the app or web site. When you log in, you may handle funds, together with one-time funds and auto-pay.
For renters who dwell at choose Bilt Alliance properties, you will have the chance to pay your lease with a private test or money. You can also make your money fee at taking part MoneyGram kiosks close to you utilizing the corporate identify and obtain code. You’ll have to enter your distinctive biller account quantity within the app or on the web site once you’re logged in.
To pay with a test, you’ll log into your Bilt account by way of the app or on-line and go to the “test funds” tab to observe the prompts.
You may contact customer support utilizing the Mastercard concierge service at 1-866-800-0302 obtainable 24 hours a day, 7 days every week.
For travel-related inquiries, equivalent to changing misplaced or stolen bank cards, you may contact the Mastercard world providers at 1-800-307-7309.
To file a declare in your Bilt Mastercard, name 1-800-316-8051 or the customer support quantity on the again of your card. Discover further telephone numbers based mostly in your wants by way of Wells Fargo, the Bilt Mastercard administrator.
When you’ll be hard-pressed to discover a bank card that permits you to pay lease, you’ll discover even fewer that don’t cost you transaction charges to take action. However you will discover different bank cards with increased rewards alternatives in different classes, like journey, eating, and extra. Examine the Bilt Mastercard to those different bank card choices.
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Annual payment
$0
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Welcome supply
Restricted-time supply: Earn $300 in journey bonuses. Take pleasure in $100 to make use of on Capital One Journey in your first cardholder 12 months, plus earn 20,000 bonus miles when you spend $500 on purchases inside the first 3 months — that’s equal to $300 in journey
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Card sort(s)
Journey
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Buy APR
19.24% – 29.24% variable
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Introductory APR
0% intro APR on purchases and stability transfers for 15 months, then variable 19.24% – 29.24% APR
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Advisable credit score rating
Good, Wonderful
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Rewards price
- 5x miles on resorts, trip leases, and rental automobiles booked by way of Capital One Journey
- 1.25x miles on all different purchases
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Advantages
- Beneficiant intro APR on purchases and stability transfers for the primary 15 months
- Switch your miles to greater than 15 journey companions
- Take pleasure in worldwide journey with out further charges on purchases made overseas
You may get pleasure from 1.25 miles for each greenback you spend on each buy with the Capital One VentureOne Rewards card. You can too earn 5 miles for each greenback on resorts and rental automobiles you e-book by way of the Capital One Journey portal. Utilizing the journey portal can prevent round 15% on flights as effectively — Bilt doesn’t have this characteristic.
There’s additionally no annual payment, no international transaction payment, and plenty of alternative ways to redeem your miles. There’s no restrict to what number of miles you may earn, both.
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Annual payment
$0
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Welcome supply
Earn a $200 assertion credit score after spending $2,000 inside the first 6 months
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Card sort(s)
Money-back
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Introductory Steadiness Switch APR
0% on stability transfers for 15 months
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Ongoing Steadiness Switch APR
19.74%-28.74% Variable
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Introductory Purchases APR
0% on purchases for 15 months
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Ongoing Purchases APR
19.74%-28.74% Variable
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Advisable credit score rating
Wonderful, Good
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Rewards price
- 3% money again at U.S. supermarkets (on as much as $6,000 per 12 months in eligible purchases, then 1%)
- 3% money again on U.S. on-line retail purchases (on as much as $6,000 per 12 months in eligible purchases, then 1%)
- 3% money again at U.S. fuel stations (on as much as $6,000 per 12 months in eligible purchases, then 1%)
- 1% money again on all different purchases
- Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or on Amazon.com at checkout
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Advantages
- Beneficiant intro APR on purchases and stability transfers
- Rise up to a $7 month-to-month assertion credit score after utilizing your enrolled Blue Money On a regular basis® Card for a subscription buy, together with a bundle subscription buy, at disneyplus.com, hulu.com, or plus.espn.com U.S. web sites (topic to auto-renewal)
- Cut up purchases of $100 or extra into equal month-to-month installments with a set payment — choose the acquisition in your on-line account or the American Specific® App to see your plan choices
Whereas this card doesn’t prioritize lease funds like Bilt, you may maximize cash-back rewards. The Amex Blue Money On a regular basis card provides you 3% money again on groceries, fuel, and on-line retail purchases (every as much as $6,000 a 12 months). Then, earn 1% on all different purchases.
Most Amex playing cards require good to wonderful credit score, so in case you have unhealthy or honest credit score, you may not qualify.
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Annual payment
$0
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Welcome supply
Restricted-time supply: Earn $300 in welcome bonuses. Take pleasure in a $100 credit score to make use of in direction of flights, stays and rental automobiles booked by way of Capital One Journey throughout your first cardholder 12 months, plus, earn a $200 money bonus when you spend $500 on purchases inside the first 3 months
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Card sort(s)
Money-back, Rewards
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Buy APR
19.24% – 29.24% variable
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Introductory APR
0% intro APR on purchases and stability transfers for 12 months, then variable 19.24% – 29.24% APR
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Advisable credit score rating
Good, Wonderful
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Rewards price
- 8% money again on Capital One Leisure purchases
- 5% money again on resorts, trip leases and rental automobiles booked by way of Capital One Journey
- 3% money again on eating, leisure, widespread streaming providers, and at grocery shops (excluding superstores like Walmart and Goal)
- 1% money again on all different purchases
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Advantages
- Beneficiant intro APR on purchases and stability transfers for the primary 12 months
- No international transaction charges
This card from Capital One prioritizes spending on grocery buying and eating out. You may earn limitless 3% in these classes in addition to leisure and widespread streaming providers. Plus, you may earn 5% money again on resorts and rental automobiles once you e-book by way of the Capital One Journey portal. There’s additionally 1% money again on every part else, and rewards don’t expire.
The Savor Money Rewards card has a 0% introductory supply for the primary 15 months of opening your account. You may reap the benefits of purchases and stability transfers at that price throughout that point.
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