Bilt Mastercard® Credit Card - The Meridian Time

Bilt Mastercard® Credit Card

The Bilt Mastercard® is a unique no-annual-fee credit card designed for modern renters and urban professionals. It lets you earn rewards on rent payments without extra fees, along with travel and lifestyle benefits that make every dollar work harder—whether you’re paying rent, dining out, or exploring the world.

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Why the Bilt Mastercard® Stands Out

The Bilt Mastercard® isn’t just another rewards card—it’s the first credit card that lets you earn points on rent without paying transaction fees. That means you can pay your rent through the Bilt Rewards app and earn 1 point per dollar on rent, up to 100,000 points per year.

But the value doesn’t stop there. You’ll also earn 2 points per dollar on travel (when booked directly with airlines, hotels, or car rental agencies) and 3 points per dollar on dining, plus 1 point per dollar on all other purchases. Best of all, there’s no annual fee, so you can enjoy the rewards without added costs.

Your Bilt Points are highly flexible—you can transfer them 1:1 to top travel partners like American Airlines AAdvantage®, Air Canada Aeroplan, United MileagePlus®, Hyatt, and more. Or, if you prefer, redeem them for fitness memberships, rent credits, or even a down payment on a future home through the Bilt Rewards program.

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Key Benefits of the Bilt Mastercard®

Here’s what makes the Bilt Mastercard® a standout choice:

  • No Annual Fee: Enjoy premium benefits without yearly costs.
  • Rent Rewards: Earn 1 point per dollar on rent payments (up to 100,000 points per year).
  • Travel & Dining Rewards: Earn 2X on travel and 3X on dining.
  • Flexible Redemptions: Transfer points to top airline and hotel partners or use them for rent and home down payments.
  • Travel Protections: Includes trip delay and cancellation insurance.
  • Cell Phone Protection: Coverage for damage or theft when paying your bill with the card.
  • BiltProtect™: Pay rent without impacting your credit utilization—your rent is paid via ACH from your linked bank account.

It’s a practical, forward-thinking card that rewards everyday life—especially for renters who want to turn monthly expenses into future travel or homeownership opportunities.


Do I earn points for paying rent?

Yes, you earn 1 point per dollar on rent payments made through the Bilt Rewards app—without transaction fees, up to 100,000 points per year.

Is there an annual fee?

No. The Bilt Mastercard® has no annual fee.

Do points expire?

Your points never expire as long as your account remains active.

Can I transfer Bilt Points to travel partners?

Yes. You can transfer points 1:1 to major airline and hotel programs like American Airlines, Hyatt, and Aeroplan.

Does the card offer travel insurance?

Yes. The Bilt Mastercard® includes trip cancellation and delay coverage when you use the card to pay for eligible travel.

Is there a foreign transaction fee?

No, there are no foreign transaction fees, making it ideal for international travelers.


How to Apply for the Bilt Mastercard®

Applying for the Bilt Mastercard® is easy and can be done entirely online. Go to the official Bilt Rewards website and click “Apply Now.” You’ll need to provide basic information, including your name, address, income, and Social Security number.

The approval process involves a standard credit check. Once approved, you’ll receive your card within a few weeks and can begin using it immediately after activation. You can also link your card to the Bilt Rewards app to track your rent payments, redeem points, and manage your rewards conveniently.

To maximize your benefits, use your card consistently for rent, dining, and travel purchases, and make on-time payments. Responsible use helps build credit while earning valuable rewards that can fund your next trip—or your future home.

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