Bilt Mastercard Review (2025): Benefits, Rewards & Value
The only card that lets you earn points on rent with no fees, plus valuable transfer partners.
Bilt Mastercard Guide
The only card that lets you earn points on rent with no fees, plus valuable transfer partners.
ANNUAL FEE
$0
WELCOME BONUS
No traditional bonus; earn points on rent with no fee
POINTS VALUE
1.25¢-2¢ per point depending on transfer partner
TRANSFER PARTNERS
14
In This Guide:
Transfer Partners
| Transfer Partner | Transfer Ratio | Transfer Time | Transfer Bonuses |
|---|---|---|---|
| American Airlines AAdvantage | 1:1 | 1-2 days | No recent transfer bonuses |
| Air Canada Aeroplan | 1:1 | Instant | No recent transfer bonuses |
| United MileagePlus | 1:1 | Instant | No recent transfer bonuses |
| British Airways Executive Club | 1:1 | 1-2 days | No recent transfer bonuses |
| Turkish Airlines Miles&Smiles | 1.5:2 | 1-2 days | Monthly 100% transfer bonus on 1st of month (first 5 minutes) |
| World of Hyatt | 1:1 | Instant | No recent transfer bonuses |
| Marriott Bonvoy | 1:1 | Instant | No recent transfer bonuses |
| IHG One Rewards | 1:1 | Instant | No recent transfer bonuses |
Annual Credits & Benefits
Is the Bilt Mastercard Worth It?
Ideal For:
- Renters
- No Annual Fee
- Transfer Flexibility
Not Ideal For:
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
Value Calculation Example
With no annual fee, this card provides pure positive value through:
- Welcome bonus worth approximately $0
- Ongoing rewards with 3X on dining, 2X on travel, 1X on rent payments (up to 50,000 points/year), 1X on everything else
- 5x points on all spending on the 1st of each month
- No fee for paying rent
With no annual fee to offset, all these benefits provide positive value from day one.
How to Earn Points
5X on the 1st of the Month
Earn 5X points on all spending on the 1st day of each month with at least 5 transactions.
3X on Dining
Earn 3X points on dining, including restaurants, takeout, and delivery services.
2X on Travel
Earn 2X points on travel including airlines, hotels, cruises, and rental cars.
1X on Rent
Earn 1X points on rent payments with no transaction fees, up to 50,000 points per year.
Rent Day Bonuses
Make a purchase in each of the 5 transaction categories on the 1st of the month for bonus offers like Amazon credits or special transfer opportunities.
Sweet Spot Redemptions
| Route/Redemption | Points Required | Transfer Partner | Notes |
|---|---|---|---|
| U.S. to Europe in Business Class | 45,000-57,500 points one-way | Air Canada Aeroplan | Transfer to Aeroplan for excellent Star Alliance business class rates to Europe. |
| Luxury Hyatt Stays | 5,000-40,000 points per night | World of Hyatt | One of the best uses of points, with top-tier properties starting at just 40,000 points per night. |
| American Airlines Off-Peak Awards | 22,500 points one-way (Economy) | American Airlines AAdvantage | Bilt is one of the only transferable currencies that partners with American Airlines. |
| US to Hawaii in Economy | 15,000 points one-way | Turkish Airlines Miles&Smiles | Book United flights to Hawaii through Turkish Airlines for just 15,000 points each way. |
Advanced Tips & Tricks
Pro Insider Tips
Remember 5 Transaction Minimum
Make at least 5 transactions per statement period to earn points on rent and other purchases. Set up small recurring purchases like streaming services to ensure you meet this requirement.
Set Calendar Reminder for 1st
Set a reminder to make purchases on the 1st of each month to earn 5X points on every purchase that day. Try to include at least one purchase in each bonus category.
Check for Status Match
Bilt Silver, Gold, and Platinum status offer bonus points. Check for status match opportunities or track your qualification requirements in the Bilt app.
Use Bilt Mint for Mortgage Payments
If you have a mortgage, Bilt Mint allows you to pay your mortgage with your Bilt card and earn points on these large payments without fees.
Frequently Asked Questions
How do I pay rent with the Bilt card?
There are three ways to pay rent with Bilt: 1) If your landlord is part of the Bilt Rewards Alliance, you can pay directly through the Bilt app, 2) If your landlord accepts credit cards but charges a fee, Bilt will reimburse fees up to $30 per month, 3) For landlords who don't accept cards, Bilt will send a check on your behalf when you initiate payment through the app.
Is there a minimum number of transactions required?
Yes, you must make at least 5 transactions per statement period to earn points on rent and other purchases. These can be of any amount, so even small purchases count toward this requirement. If you don't meet the 5-transaction minimum, you'll earn no points that month.
How does the 5X bonus on the 1st of the month work?
On the 1st day of each month, all purchases earn 5X points instead of their regular earn rate. This includes rent payments, dining, travel, and all other purchases. To qualify, you must have made at least 5 transactions in the previous month.
What's the difference between Bilt Rewards and other transferable points programs?
The main differentiator is that Bilt is the only program that lets you earn points on rent payments without fees. Additionally, Bilt is unique in offering American Airlines as a transfer partner, which is not available with Chase, Amex, or Capital One. Bilt also features a more diverse array of hotel partners than some competitors, including Hyatt, Marriott, and IHG.
Ready to Apply?
The Bilt Mastercard offers exceptional travel benefits and rewards that make it a valuable addition to your wallet. The only card that lets you earn points on rent with no fees, plus valuable transfer partners.