Bilt Mastercard Review
Wells Fargo · Renters wanting to turn monthly rent into travel rewards
4.6 / 5 (876 reviews)
Annual Fee
No annual fee
Rewards
3x dining, 2x travel, 1x rent (up to 100,000 points/year)
Regular APR
21.49% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
9/10
Editor's Score
The 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.
Pros
- 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
Cons
- No sign-up bonus
- Must make 5+ transactions/month to earn rent points
- Points can't be cashed out
Key Benefits & Perks
No annual fee
Pay rent with no processing fees (earn points)
Transfer to 14+ airline & hotel partners
Rent Day (1st of each month) 2x points
No foreign transaction fees
Trip cancellation insurance
Rewards Breakdown
| Category | Rate |
|---|---|
| Dining | 3x |
| Travel | 2x |
| Rent payments | 1x |
| Everything else | 1x |
Ready to apply for the Bilt Mastercard?
Renters wanting to turn monthly rent into travel rewards
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Customer Reviews
4.6
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