Bilt Mastercard
No fee
Wells Fargo
Bilt Mastercard
4.6
(876 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The only credit card that lets you earn rewards on rent payments with zero processing fee. Renters paying $1,500/month earn 18,000 points/year on rent alone — worth $180+ toward travel or potentially more via transfers to American Airlines, United, Hyatt, and other premium partners. The no-annual-fee structure is exceptional given the transfer options.
Annual Fee
No annual fee
Purchase APR
21.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
None
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Bilt Mastercard is best suited for established credit users who renters wanting to turn monthly rent into travel rewards. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Earn points on rent with no processing fee
- Transfers to American, United, Hyatt, and more
- 3x dining, 2x travel
- Renters wanting to turn monthly rent into travel rewards
Consider another card if you…
- No sign-up bonus
- Must make 5+ transactions/month to earn rent points
- Points can't be cashed out
New transfer partner: Air France/KLM Flying Blue added
Updated January 2026
Rewards Breakdown
3x dining, 2x travel, 1x rent (up to 100,000 points/year)
| Category | Rate |
|---|---|
| Dining | 3x |
| Travel | 2x |
| Rent payments(The only card that earns points on rent payments with zero processing fees — up to 100,000 Bilt points per year. Earn 3x on dining, 2x on travel, and 1x on rent. Points transfer 1:1 to 14-plus airline and hotel programs including American Airlines, United, Hyatt, and Marriott. Rent Day promotions double points on the first of every month.) | 1x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Dining3x43%
Travel2x29%
Rent payments1x14%
Everything else1x14%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 21.49% – 29.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Earn points on rent with no processing fee
Transfers to American, United, Hyatt, and more
3x dining, 2x travel
No annual fee
No foreign transaction fees
No sign-up bonus
Must make 5+ transactions/month to earn rent points
Points can't be cashed out
The Bottom Line
The Good: The Bilt Mastercard stands out for its earn points on rent with no processing fee. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: No sign-up bonus.
Our Verdict: With an editor score of 9/10, the Bilt Mastercard is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Bilt Mastercard?▾
The Bilt Mastercard has no annual fee — you'll never be charged just for keeping the card open.
How do the rewards work on the Bilt Mastercard?▾
The Bilt Mastercard earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Bilt Mastercard?▾
The Bilt Mastercard is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Bilt Mastercard charge a foreign transaction fee?▾
No — the Bilt Mastercard has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Bilt Mastercard?▾
The Bilt Mastercard has a variable purchase APR of 21.49% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Bilt Mastercard best for?▾
The Bilt Mastercard is best for Renters wanting to turn monthly rent into travel rewards. A key advantage: earn points on rent with no processing fee.
Customer Reviews
4.6
876 reviews
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