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RATING

Bilt Mastercard

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The Bilt Mastercard earns rewards for monthly rent payments, travel, and dining, and comes with a set of Mastercard World Elite benefits. You can revolve a balance for other purchases on your card, but your rent payment must be paid in full each month. The card is currently invite-only, but you can join the waitlist with your email.

Our rating
Min. credit level: Good
Annual Fee: $0

Bilt Mastercard

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 3X points per dollar on Dining
  • 2X points per dollar on Travel
  • 1X point per dollar on:
    • Rent payments (up to 50,000 points per year)
    • All other purchases
  • Must use the card at least 5 times per statement period to qualify for rewards

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Concierge Service
SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Purchase Protection
TRAVEL
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Trip Interruption Insurance
  • Travel Accident Insurance
Bilt Mastercard

Highlights

  • 1X point per dollar on rent payments and all other purchases; 2X points on travel; 3X points on dining
  • Must use card at least 5 times per statement period to qualify for rewards
  • Mastercard World Elite benefits such as World Elite Concierge, Purchase Protection, Cell Phone Insurance, Rental Car Insurance
  • $120 annual DoorDash Credit
  • $60 annual Lyft credit
  • Rewards are redeemable for travel, rent, down payments for a house, fitness, the Bilt Collection
  • No annual fee
ABOUT THE ISSUER

Evolve Bank & Trust

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-395-2754

The Bilt Mastercard allows you to earn points on any rent payment you make, even if your landlord only takes checks.

Your rent payment must be paid in full every month, since you cannot revolve your rent balance. You have the option of using it as a debit card when you pay your rent payment, or paying off that rent payment in addition to your minimum payment on your due date every month. Other charges you make to the card require minimum monthly payments, like any other credit card.

Another caveat to the card is you have to use it at least five times per statement period earn the spending rewards.

Points can be redeemed for travel, a down payment on your home, an upcoming rent payment, Bilt Collection items, and more.

There is no annual fee, and Bilt will also take care of any associated rent payment fee.

The card is currently invite-only, but you can sign up for the waitlist with your email.

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