The Bilt Mastercard helps you to earn rewards on lease funds with no transaction charges. And shortly, you’ll earn factors on mortgage funds as nicely. For anybody trying to benefit from these typically excessive month-to-month funds, this can be the perfect card for you.
Whereas at present issued by Wells Fargo, the Bilt Mastercard will bear some modifications 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 might 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 might 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 charge
- 3x factors on eating
- 2x factors on journey
- 1x factors for lease funds (as much as 100,000 factors every calendar yr)
- 1x factors on every thing else
- Use your card 5 occasions 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 cost with out the transaction payment
- Redeem your factors for future lease funds, a down cost for a home, health lessons, journey, and extra
You’ll be able to earn rewards so long as you employ your Bilt Mastercard at the least 5 occasions each month. You’ll be able to 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 thing else
Bilt helps you to redeem factors in many alternative methods, together with journey, purchasing, items and providers, in addition to lease.
You’ll must obtain the Bilt rewards app the place you may handle redemptions, autopayments, and card administration. You may also undergo the Bilt web site. You’ll be able to redeem factors:
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As an announcement credit score
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As funds for a down cost
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On flights, motels, or different journey lodging
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On choose health lessons
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Residence 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 cost, for instance, factors convert to $0.015 per level. So in case you have, say, 10,000 factors, that equates to $150 in the direction of a down cost.
Every partnership Bilt has can yield completely different redemption ratios, together with purchasing with Amazon or redeeming for lease funds. So you could not get the identical redemption ratio each time you redeem your factors in a different way.
Bilt Mastercard factors don’t expire so long as your account is open and lively. However keep in mind, it’s essential use your card at the least 5 occasions 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 cellular phone invoice together with your Bilt Mastercard, you’ll stand up to $800 in cellular phone safety in case your telephone is broken or stolen. All purchases made together with your Bilt Mastercard are additionally coated, as much as $10,000, inside 90 days of your buy.
You may also take pleasure in journey cancellation safety, the place you may get the price of a nonrefundable journey reimbursed once you pay for it together with your Bilt Mastercard. You additionally get delay reimbursement, which is equal to journey insurance coverage. You’ll be able to stand up to $200 in journey delay bills per day, per traveler, as much as $1,800 in whole for all vacationers for every journey.
The Bilt Mastercard is greatest for renters who need to show robust creditworthiness by way of on-time lease funds and wouldn’t in any other case have a technique to showcase their good credit score use (whether or not by way of one other bank card or mortgage).
It’s additionally an awesome 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 the direction of an announcement credit score, lease funds, a down cost, in addition to different conventional strategies, like purchasing and touring. In the event you’re a renter and need to maximize rewards in other ways, together with saving for a down cost afterward, this card could be 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 might be, then you could 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 folk who use conventional cost 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 utilize 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’ll be able to convert factors to future lease funds or down cost on a house.
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$0 annual payment. Having any kind 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 likewise get delay reimbursement when you purchase journey lodging together with your card.
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Required minimal card utilization to qualify for rewards: You might want to use your card at the least 5 occasions 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 provide sign-up bonuses for brand new clients, which Bilt doesn’t provide.
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Non-rent rewards aren’t aggressive: Whereas rent-related rewards are good, incomes and redeeming journey factors could be extra aggressive with different playing cards available on the market.
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No Zelle help: You should utilize Bilt when you pay your lease by way of Venmo, PayPal, and even with a test. However Bilt doesn’t help 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 comply with and determine maximize reward redemptions.
You should utilize your Bilt Mastercard at thousands and thousands of eating places, retailers, gasoline stations, and different companies around the globe, wherever Mastercard is accepted.
You’ll be able to 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 reside at choose Bilt Alliance properties, you’ve got the chance to pay your lease with a private test or money. You can also make your money cost at collaborating MoneyGram kiosks close to you utilizing the corporate identify and obtain code. You’ll must 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 comply with the prompts.
You’ll be able to contact customer support utilizing the Mastercard concierge service at 1-866-800-0302 obtainable 24 hours a day, 7 days per 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 extra telephone numbers primarily based in your wants by way of Wells Fargo, the Bilt Mastercard administrator.
Whilst 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’ll find different bank cards with increased rewards alternatives in different classes, like journey, eating, and extra. Evaluate the Bilt Mastercard to those different bank card choices.
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Annual payment
$0
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Welcome provide
Restricted-time provide: Earn $300 in journey bonuses. Take pleasure in $100 to make use of on Capital One Journey in your first cardholder yr, plus earn 20,000 bonus miles when you spend $500 on purchases throughout the first 3 months — that’s equal to $300 in journey
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Card kind(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 steadiness transfers for 15 months, then variable 19.24% – 29.24% APR
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Really helpful credit score rating
Good, Glorious
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Rewards charge
- 5x miles on motels, 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 steadiness transfers for the primary 15 months
- Switch your miles to greater than 15 journey companions
- Take pleasure in worldwide journey with out extra charges on purchases made overseas
You’ll be able to take pleasure in 1.25 miles for each greenback you spend on each buy with the Capital One VentureOne Rewards card. You may also earn 5 miles for each greenback on motels and rental automobiles you guide by way of the Capital One Journey portal. Utilizing the journey portal can prevent round 15% on flights as nicely — Bilt doesn’t have this function.
There’s additionally no annual payment, no international transaction payment, and many 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 provide
Earn a $200 assertion credit score after spending $2,000 throughout the first 6 months
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Card kind(s)
Money-back
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Introductory Steadiness Switch APR
0% on steadiness 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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Really helpful credit score rating
Glorious, Good
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Rewards charge
- 3% money again at U.S. supermarkets (on as much as $6,000 per yr in eligible purchases, then 1%)
- 3% money again on U.S. on-line retail purchases (on as much as $6,000 per yr in eligible purchases, then 1%)
- 3% money again at U.S. gasoline stations (on as much as $6,000 per yr in eligible purchases, then 1%)
- 1% money again on all different purchases
- Money again is acquired within the type of Reward {Dollars} that may be redeemed as an announcement credit score or on Amazon.com at checkout
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Advantages
- Beneficiant intro APR on purchases and steadiness 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)
- Break 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 Categorical® 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 offers you 3% money again on groceries, gasoline, and on-line retail purchases (every as much as $6,000 a yr). Then, earn 1% on all different purchases.
Most Amex playing cards require good to wonderful credit score, so in case you have dangerous or truthful credit score, you may not qualify.
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Annual payment
$0
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Welcome provide
Restricted-time provide: Earn $300 in welcome bonuses. Take pleasure in a $100 credit score to make use of in the direction of flights, stays and rental automobiles booked by way of Capital One Journey throughout your first cardholder yr, plus, earn a $200 money bonus when you spend $500 on purchases throughout the first 3 months
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Card kind(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 steadiness transfers for 12 months, then variable 19.24% – 29.24% APR
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Really helpful credit score rating
Good, Glorious
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Rewards charge
- 8% money again on Capital One Leisure purchases
- 5% money again on motels, trip leases and rental automobiles booked by way of Capital One Journey
- 3% money again on eating, leisure, well-liked 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 steadiness transfers for the primary 12 months
- No international transaction charges
This card from Capital One prioritizes spending on grocery purchasing and eating out. You’ll be able to earn limitless 3% in these classes in addition to leisure and well-liked streaming providers. Plus, you may earn 5% money again on motels and rental automobiles once you guide by way of the Capital One Journey portal. There’s additionally 1% money again on every thing else, and rewards don’t expire.
The Savor Money Rewards card has a 0% introductory provide for the primary 15 months of opening your account. You’ll be able to benefit from purchases and steadiness transfers at that charge throughout that point.
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