Bilt Rewards Strategy Guide
Bilt is the only card that earns points on rent payments with no fees. With transfer partners matching Chase's quality, it's become essential for renters.
Bilt Rewards has solved the biggest pain point for renters: earning rewards on rent. The Bilt Mastercard is the only credit card that earns points on rent payments with no transaction fees — a category that represents the single largest monthly expense for most Americans.
Beyond rent, Bilt has built an impressive transfer partner network that rivals Chase and Amex. With partners like World of Hyatt, United Airlines, American Airlines, and Turkish Airlines, your rent payments can directly fund premium travel experiences. The program also includes unique benefits like the ability to use points toward a down payment on a home through Bilt's real estate partnerships.
The card carries no annual fee, making it a no-brainer for anyone who rents. The main catch is the 5-transaction monthly minimum to earn points, but that's easily achievable with small purchases like coffee or Amazon reloads.
Application Rules
Must make 5 transactions per statement to earn points (any amount counts)
Rent payments earn 1x with no transaction fees — the only card that does this
Earn up to 100,000 points per year on rent payments
Double points on Rent Day (1st of each month) at Bilt-partnered restaurants
Transfer partners include Hyatt, United, AA, Turkish, and more
Best Card Combos
Renter's Duo
Bilt for rent + Sapphire for dining/travel. Both transfer to Hyatt and United — pool your strategy.
Bilt Points Valuation
Estimated Value
1.6-2.3¢
per point
Best Use
Transfer to World of Hyatt (2.3 cpp average) or use toward a home down payment
Worst Use
Statement credits (1 cpp) or merchandise in the Bilt app (0.5-0.7 cpp)
Top Transfer Partners
Insider Tips
- ✓Always make 5 transactions per month — even $1 Amazon reloads count
- ✓Transfer to Hyatt for the same 2.3cpp value as Chase Ultimate Rewards
- ✓Rent Day (1st of month) offers 2x at partner restaurants — plan your dining
- ✓Bilt points don't expire as long as you make 1 transaction per year
Who Should Get Bilt Rewards Cards?
Renters
If you pay rent, this card is non-negotiable. Earning points on what's likely your biggest expense — with no fees — is free money. A $2,000/month rent earns 24,000 points per year.
Future homebuyers
Bilt is the only program that lets you use points toward a home down payment. Even if you don't travel, your rent payments can build toward homeownership.
No-annual-fee maximizers
Bilt offers the best transfer partner network of any no-annual-fee card. Period. The partners rival what Chase and Amex charge $95-$695/year to access.
Hyatt enthusiasts
Like Chase, Bilt transfers to Hyatt at 1:1. Combined with rent earnings, you can fund multiple Hyatt stays per year from rent alone.