Bilt Credit Card Review

The Bilt Credit Card is not your average credit card. It is specifically designed to cater to the unique needs of renters.

Whether you’re a young professional starting out, a family looking for flexibility, or someone who prefers the convenience of renting, this credit card is tailored to provide you with exceptional benefits.

One of the standout features of the Bilt Credit Card is its innovative rewards program. Unlike traditional credit cards that offer generic rewards, the Bilt Credit Card allows you to earn points on your rent payments. 

Yes, you heard that right – you can now turn your monthly rent into valuable rewards. Imagine earning points towards travel, dining, or even cashback, simply by paying your rent! Not only does the Bilt Credit Card offer incredible rewards, but it also helps you build your credit history.

CREDIT CARD

Bilt

$0 ANNUAL FEE Bilt Points

A CARD THAT LETS YOU EARN POINTS

APPLY NOW You will be redirected

Benefits of Bilt Credit Card

• No annual fee

Unlike many other credit cards on the market, the Bilt Credit Card offers you the freedom to enjoy its incredible features without the burden of an annual fee. Say goodbye to unnecessary charges and hello to more savings in your pocket. 

• Earn rewards on rent payments

With the Bilt Credit Card, you can easily earn points through rent payments and bonus spending categories by making at least five transactions per statement, with no minimum spend required. Otherwise, you’ll only earn 250 Bilt points on your rent payment. To maximize your points, use your Bilt Credit Card for every purchase, even small ones like your daily coffee or a pack of gum.

Bilt cardholders can quickly accumulate points: 5 points per dollar on Lyft rides, 3 points per dollar on dining, 2 points per dollar on travel (when booked directly or through the Bilt travel portal), 1 point per dollar on rent (up to 100,000 points per year), and 1 point per dollar on everything else.

• Travel partners are available

Wanderlust? The Bilt Credit Card has got you covered. With a wide range of travel partners available, you can unlock exclusive offers, discounts, and rewards when booking flights, hotels, and more. Whether you’re planning a dream vacation or a quick weekend getaway, this card is your passport to a world of travel benefits. 

• Bonus categories for you to enjoy

The Bilt Credit Card goes beyond the ordinary by offering bonus categories that cater to your unique interests and everyday spending. From dining out and shopping to entertainment and more, you can earn extra rewards for the activities you love, allowing you to get even more out of your purchases.

• Double points on rent day

Now you can truly look forward to rent payment day. On the first day of each month, your earning potential significantly increases. You’ll earn double points on all spending categories except rent (which stays at 1X). This translates to 6X points on dining, 4X on travel, and 2X on all other purchases.

• Bilt Rewards Alliance

The Bilt Rewards Alliance is a network of eligible rental properties where residents can maximize their rewards. If you live in one of these properties and have a Bilt Credit Card, you can earn up to 100,000 Bilt Rewards points per year. To earn these points, simply use the card five times during each statement period.

• Earn interest on your points

There are various methods to increase your earnings, one of which is by earning bonus points through the Bilt Rewards Program. This program categorizes members into four tiers: Blue, Silver, Gold, and Platinum. As you accumulate more points within a year, you advance to higher membership levels. Upon achieving Silver Status, you’ll start earning interest on your accumulated points. Essentially, every month you’ll gain additional bonus points as interest, calculated from your average daily points balance over each 30-day period.

• Flexible redemption

Imagine paying next month’s rent with points earned from your last rent payment. The Bilt Credit Card allows this and offers various other redemption options, including travel (flights, hotels, and activities), fitness classes with partners like SoulCycle and Rumble Boxing, merchandise from Amazon and limited-edition art, and even a down payment on a future home when financed through Bilt. Plus, points count toward your Bilt member status.

• Primary auto damage collision damage waiver

This benefit truly distinguishes the Bilt Credit Card from other credit cards with no annual fee, making it unique. Every time you use this card for rental vehicles, you receive free primary auto insurance. This coverage allows you to bypass extra fees at the rental counter, resulting in significant savings!

• Cell phone protection

Paying your monthly cell phone bill with a Bilt Credit Card provides up to $800 in cell phone protection if your phone is damaged, stolen, or lost involuntarily. While there is a $25 deductible, it is among the lowest available on any credit card.

Qualifying for Bilt Credit Card

Minimum Credit Score needed: Bilt Credit Card requires you to have a good to excellent credit score to be qualified for the card. 

Annual Income requirements: The annual income requirements for Bilt Credit Card is not disclosed. 

How to apply for Bilt Credit Card?

Applying for a Bilt Credit Card is easier than you think:

1. Go to the Bilt Credit Card website
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently Asked Questions (FAQs)

Is it easy to get approved for the Bilt Mastercard?

It will depend on your credit score. This credit card requires good to excellent credit for approval.

Can I use Bilt points for travel bookings?

Yes, points can be redeemed for flights, hotel stays, and car rentals, offering great travel flexibility.

Is there a signup bonus for the Bilt Credit Card?

There isn’t a standard signup bonus, but some users may receive targeted offers.

Can Bilt points be transferred to airline partners?

Yes, Bilt points can be transferred to several airline partners, including American Airlines, at a 1:1 ratio.

CREDIT CARD

Bilt

$0 ANNUAL FEE Bilt Points

A CARD THAT LETS YOU EARN POINTS

APPLY NOW You will be redirected