8 Issues to Know In regards to the Bilt Rewards Mastercard

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Nomadic Matt's new Bilt Mastercard being held up in front of a snake plant
Posted: 2/8/2023 | February eighth, 2023

Since popping out in 2021, the Bilt Rewards Mastercard has been an absolute game-changer for renters that like to journey. It’s the one bank card that means that you can earn factors in your month-to-month hire fee — as much as 50,000 factors per yr, (which might pay for a round-trip flight to Hawaii, for instance).

You should utilize these factors like every other journey rewards factors (equivalent to these from Chase, American Categorical, or Capital One), transferring them to airline or lodge companions or paying for journey instantly by means of a particular portal.

However whereas the points-for-rent perk will get all the eye (and rightfully so), the Bilt Rewards Mastercard is greater than a one-trick pony.

To actually get probably the most out of this precious card (one which I feel each renter ought to have of their pockets), listed below are some key issues to know in regards to the Bilt Mastercard:

1. There’s no annual payment

One of the essential issues to contemplate when opening a brand new bank card is whether or not there may be an annual payment, and if that’s the case, whether or not paying it is smart in accordance with your spending habits and targets.

A lot of the greatest journey bank cards have annual charges, and for frequent vacationers, they’re often price it. You will get way more worth out of a card than its annual payment if you happen to’re an avid flier who enjoys lounge entry, precedence boarding, checking further baggage, or different frequent perks.

However you don’t have to fret about that with Bilt, as the cardboard at the moment has no payment. You’ll be able to earn factors in your hire utterly totally free!

2. There’s additionally no welcome supply

Nevertheless, the flip facet of there being no annual payment is that there’s additionally no welcome supply on the Bilt Rewards Mastercard.

Welcome presents (also referred to as sign-up bonuses) are the factors you earn by spending a certain quantity inside a specified timeframe after opening a bank card. For instance, you would possibly be capable to earn 60,000 factors if you happen to spend $3,000 USD inside the first three months of opening a selected card.

These presents jump-start your factors “fund” and may typically quantity to a free round-trip flight proper off the bat. Welcome presents are so very important to any good journey hacking technique that I often advise towards signing up for a card except there’s a sizable one. The truth that I wholeheartedly suggest the Bilt card, even with no welcome supply, ought to present you simply how nice I feel this card is.

3. There’s a minimal transaction requirement to earn factors

After opening the Bilt Mastercard, maybe an important factor to know is that you should make a minimal of 5 transactions every assertion interval to earn factors. That goes for all factors, together with the factors you’ll obtain for paying your hire.

Meaning if you happen to don’t make 5 purchases in your card that interval, you received’t earn any factors in any respect — even if you happen to’ve paid hire by means of Bilt.

The excellent news is that there’s no minimal buy requirement, solely a minimal transaction requirement. So long as you make 5 purchases — of any dimension — in your Bilt card every month, you’ll get your factors.

4. You’ll be able to earn factors on extra than simply hire

Whereas incomes factors on hire is the principle promoting level, the cardboard presents further methods to earn factors too:

  • 2x factors on journey
  • 3x factors on eating
  • 1x factors on all different purchases

(These incomes classes are the identical as fan-favorite Chase Sapphire Most well-liked, for which there’s an annual payment of $95 USD).

So, for instance, if you happen to use your Bilt card throughout the month on journey or eating purchases, you’ll not solely get 2-3 instances the factors, however you’ll additionally hit your minimal five-purchase requirement.

5. You’ll be able to max out on factors earned for hire

It’s additionally price utilizing your card for purchases aside from hire due to the truth that you possibly can max out on the variety of factors earned for hire (factors for hire are capped at 50,000 per yr). After that, you received’t earn any extra factors on hire for that yr.

Nevertheless, contemplating you earn at a price of 1 Bilt level per $1 spent on hire, you’ll solely attain the restrict if you happen to spend over $4,166/month in hire. In case your rental fee is below that, you don’t have to fret about hitting the restrict.

6. You’ll be able to earn much more factors on hire day

On the primary day of the month, your factors incomes energy is doubled, that means that you simply’ll earn 6x factors on eating, 4x factors on journey, and 2x on different purchases (besides hire) made on the primary of the month.

If you happen to get into the behavior of utilizing your Bilt card for all the things you purchase on the primary day of the month, you’ll already be that a lot nearer to hitting your 5 minimal transactions, all whereas getting much more factors on your purchases.

And whereas nobody needs extra apps on their telephones, it would be best to obtain the Bilt app for possibilities to earn much more factors. Each hire day, there are new methods to simply earn factors within the app. These change each month, however previously have included enjoying Level Quest, during which you earn factors for proper solutions to trivia questions.

There’s additionally the Lease Day Problem, in which you’ll be able to enter to win a free month’s hire by appropriately finishing a fill-in-the-blank phrase throughout the day.

Screenshot from Bilt app of Rent Day Challenge

Whereas a few of these alternatives don’t supply many factors, they take little or no time to finish, and so they all add up!

7. Bilt factors = American Airways factors

Another excuse to amass factors is as a result of Bilt has American Airways as a switch associate — and it’s the one card that does. Since no different card presents factors that switch to American, Bilt is the one approach to get AA factors with out having an AA card.

That is nice information for American Airways loyalists or vacationers with particular journeys in thoughts for which they need to use AA factors. For instance, I’m at the moment prioritizing my Bilt card as a substitute of my Chase Sapphire, as a result of I need these AA factors for a visit I’m planning to Japan this yr (AA is a associate with Japan Airways).

Along with American Airways, you possibly can switch your Bilt factors on a 1:1 foundation to many different journey companions, together with:

  • Air Canada
  • Air France
  • Cathay Pacific
  • Emirates
  • Hawaiian Airways
  • Hyatt
  • IHG
  • Turkish Airways
  • United
  • Virgin Atlantic

You may as well redeem factors for health courses, like SoulCycle, Solidcore, Rumble, and Y7, and for gadgets within the Bilt Assortment, a curated collection of artisan residence décor gadgets. Nevertheless, I’d advise towards this, as redeeming factors for health courses comes out to round one level per cent — and you will get a significantly better redemption on journey purchases.

8. Bilt presents nice journey safety

Past its points-earning capabilities, Bilt presents strong journey safety, particularly for a no-fee card. Simply take into account that you should guide journey utilizing the Bilt card in an effort to obtain these advantages. The protections are much like that of different “starter” journey bank cards, just like the Chase Sapphire Most well-liked.

Listed here are the journey protections that Bilt at the moment presents:

  • Journey cancellation safety and interruption protection
  • Journey delay reimbursement (for delays of six hours or extra)
  • Automotive rental collision protection
  • Mobile phone safety (as much as $800 USD)
  • No international transaction charges

Click on right here for a full breakdown of rewards and advantages and charges and costs.

Whereas these protections — like that of any card — aren’t an alternative to journey insurance coverage (which you must all the time get!), they’re nice perks, and also you get them at no further price.


All in all, getting the Bilt card is a no brainer for anybody who pays hire within the US, because it’s at the moment the one approach to earn factors totally free on this essential month-to-month expense.

However, whereas it’s price getting for simply that profit alone, the Bilt card presents plenty of different superior options that make it much more precious. The flexibility to switch to American Airways, double factors on Lease Day, new methods to earn further factors, and a well-rounded roster of journey advantages and protections make the Bilt card greater than worthy of house in your pockets. It’s develop into one in all my favourite playing cards and I discover myself reaching for it lots!

Click on right here to join the Bilt Mastercard!


E-book Your Journey: Logistical Suggestions and Tips

E-book Your Flight
Discover a low-cost flight through the use of Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you all the time know no stone is being left unturned.

E-book Your Lodging
You’ll be able to guide your hostel with Hostelworld. If you wish to keep someplace aside from a hostel, use Reserving.com because it persistently returns the most affordable charges for guesthouses and lodges.

Don’t Overlook Journey Insurance coverage
Journey insurance coverage will defend you towards sickness, harm, theft, and cancellations. It’s complete safety in case something goes flawed. I by no means go on a visit with out it as I’ve had to make use of it many instances previously. My favourite firms that supply one of the best service and worth are:

Need to journey totally free?
Journey bank cards mean you can earn factors that may be redeemed totally free flights and lodging. They’re what maintain me touring a lot for therefore little. Take a look at my information to selecting the correct card and my present favorites to get began and see the newest greatest offers.

Able to E-book Your Journey?
Take a look at my useful resource web page for one of the best firms to make use of once you journey. I record all those I exploit after I journey. They’re one of the best at school and you’ll’t go flawed utilizing them in your journey.


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