About The Bilt Card

Card Highlights

The Bilt Card is a Credit Card

With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.

Card Rewards

Earn Bilt Rewards with the card.

Sign-up Bonus

NO Current sign-up bonus

Annual Fee

No Annual Fee

No Additional Cardholder Fees

There are no additional cardholder fees.

Earn Bilt Points on Spending

1. Earn 3x points on dining (6x points on rent day which is the first of every month).

2. Earn 2x points on travel (4x points on rent day which is the first of every month).

3. Earn 1x point on all other purchases (2x points on rent day which is the first of every month).

4. Best one-Earn 1x point on the rent you pay WITH NO FEE. Note, up to a maximum of fifty thousand (50,000) points each calendar year.

5. Earn 5x at Bilt Dining restaurants when you pay with ANY card in your Bilt Wallet for the meal. And think about it, if you pay with a Bilt credit card, you earn 8x per $1 and on Bilt Day, you would earn 11x per $1. Wow!

BUT-If you do not make at least 5 transactions that post to your account in a statement period you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.

Note-Rent Day bonus points are capped at 10,000 points.

AND KNOW THAT-rent payments can only be made to one rental property per month.

Unique Bank Account Number

The way you pay your rent with no transaction fee, is that Bilt gives you a bank account number to connect to the rental agency site. The rent gets paid from that bank account and that charge gets billed on your Bilt credit card for the amount of the rent.

Ways To Redeem

1. Get 20% off airfare, hotels, car rentals and cruises when you redeem your points for Travel. For example, a $500 flight requires just 40,000 points.

2. Transfer points to some really good loyalty programs. Currently, the loyalty programs are AMERICAN AADVANTAGE WHAT??, Air Canada Aeroplan, Hawaiian Airlines, Virgin Points, Turkish Airlines, IHG Rewards, World of Hyatt, Emirates, Air France/KLM Flying Blue, Asia Miles, United.

3. There are a few other ways to redeem them on the site, but I DO NOT ADVISE THIS UNLESS YOU ARE GETTING 1 CENT PER POINT!

Cell phone protection

Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your card (subject to a $25 deductible). Terms apply.