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Earn points on rent with 14 transfer partners and $0 annual fee
The only credit card that earns points on rent and mortgage payments with no transaction fees. Earn 3X on dining, 2X on travel, and transfer 1:1 to 14+ airline and hotel partners including Hyatt, United, and American Airlines — all for no annual fee.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Wells Fargo Bilt Rewards
Point Valuation
1.5–2.2 cpp (mid: 2)
Credit Required
Poor to Excellent
3X
3X points on dining worldwide
2X
2X points on travel (flights, hotels, car rentals) worldwide
1X
Cap: $100,000/annual
1X
1X points on all other purchases
Earn 3 Bilt Points per dollar on dining worldwide, matching the Chase Sapphire Preferred's earn rate — without the annual fee. On Rent Day (1st of each month), earn 6X on dining for even higher returns.
Spend $500 on dining per month: earn 18,000 points annually worth $396 at TPG's 2.2 cents per point valuation.
Earn 2 Bilt Points per dollar on travel purchases including flights, hotels, car rentals, and cruise bookings. Transfer to partners like Hyatt (1:1) where points are worth up to 2.3 cents each.
Spend $3,000 on travel annually: earn 6,000 points worth $132 at base valuation, or potentially more through partner transfers.
Earn 1 Bilt Point per dollar on rent payments with no transaction fees, up to 100,000 points per calendar year. No other credit card offers fee-free rewards on rent. Must make 5 transactions per statement period.
Pay $2,000/month rent: earn 24,000 points annually worth $528 at TPG's valuation — money you'd earn nowhere else.
Benefits & Perks
Program & Transfers
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Reviews & Analysis
The Bilt Mastercard is the only no-annual-fee card that earns transferable points on rent payments. Its 3X dining and 2X travel rates match the Chase Sapphire Preferred ($95/year), while its 14+ transfer partners at 1:1 ratios provide better transfer value than most premium cards. The trade-off: 5 transactions per statement period required to earn points, and no traditional welcome bonus.
Details & Terms
| Purchase APR | 19.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Bilt family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bilt Blue | entry | $0 | |
| Bilt Obsidian | premium | $95 | |
| Bilt Palladium | super_premium |
Earn points on rent with 14 transfer partners and $0 annual fee
The only credit card that earns points on rent and mortgage payments with no transaction fees. Earn 3X on dining, 2X on travel, and transfer 1:1 to 14+ airline and hotel partners including Hyatt, United, and American Airlines — all for no annual fee.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Wells Fargo Bilt Rewards
Point Valuation
1.5–2.2 cpp (mid: 2)
Credit Required
Poor to Excellent
3X
3X points on dining worldwide
2X
2X points on travel (flights, hotels, car rentals) worldwide
1X
Cap: $100,000/annual
1X
1X points on all other purchases
Earn 3 Bilt Points per dollar on dining worldwide, matching the Chase Sapphire Preferred's earn rate — without the annual fee. On Rent Day (1st of each month), earn 6X on dining for even higher returns.
Spend $500 on dining per month: earn 18,000 points annually worth $396 at TPG's 2.2 cents per point valuation.
Earn 2 Bilt Points per dollar on travel purchases including flights, hotels, car rentals, and cruise bookings. Transfer to partners like Hyatt (1:1) where points are worth up to 2.3 cents each.
Spend $3,000 on travel annually: earn 6,000 points worth $132 at base valuation, or potentially more through partner transfers.
Earn 1 Bilt Point per dollar on rent payments with no transaction fees, up to 100,000 points per calendar year. No other credit card offers fee-free rewards on rent. Must make 5 transactions per statement period.
Pay $2,000/month rent: earn 24,000 points annually worth $528 at TPG's valuation — money you'd earn nowhere else.
Benefits & Perks
Program & Transfers
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Reviews & Analysis
The Bilt Mastercard is the only no-annual-fee card that earns transferable points on rent payments. Its 3X dining and 2X travel rates match the Chase Sapphire Preferred ($95/year), while its 14+ transfer partners at 1:1 ratios provide better transfer value than most premium cards. The trade-off: 5 transactions per statement period required to earn points, and no traditional welcome bonus.
Details & Terms
| Purchase APR | 19.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Bilt family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bilt Blue | entry | $0 | |
| Bilt Obsidian | premium | $95 | |
| Bilt Palladium | super_premium |
Earn points on rent with 14 transfer partners and $0 annual fee
The only credit card that earns points on rent and mortgage payments with no transaction fees. Earn 3X on dining, 2X on travel, and transfer 1:1 to 14+ airline and hotel partners including Hyatt, United, and American Airlines — all for no annual fee.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Wells Fargo Bilt Rewards
Point Valuation
1.5–2.2 cpp (mid: 2)
Credit Required
Poor to Excellent
3X
3X points on dining worldwide
2X
2X points on travel (flights, hotels, car rentals) worldwide
1X
Cap: $100,000/annual
1X
1X points on all other purchases
Earn 3 Bilt Points per dollar on dining worldwide, matching the Chase Sapphire Preferred's earn rate — without the annual fee. On Rent Day (1st of each month), earn 6X on dining for even higher returns.
Spend $500 on dining per month: earn 18,000 points annually worth $396 at TPG's 2.2 cents per point valuation.
Earn 2 Bilt Points per dollar on travel purchases including flights, hotels, car rentals, and cruise bookings. Transfer to partners like Hyatt (1:1) where points are worth up to 2.3 cents each.
Spend $3,000 on travel annually: earn 6,000 points worth $132 at base valuation, or potentially more through partner transfers.
Earn 1 Bilt Point per dollar on rent payments with no transaction fees, up to 100,000 points per calendar year. No other credit card offers fee-free rewards on rent. Must make 5 transactions per statement period.
Pay $2,000/month rent: earn 24,000 points annually worth $528 at TPG's valuation — money you'd earn nowhere else.
Benefits & Perks
Program & Transfers
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Reviews & Analysis
The Bilt Mastercard is the only no-annual-fee card that earns transferable points on rent payments. Its 3X dining and 2X travel rates match the Chase Sapphire Preferred ($95/year), while its 14+ transfer partners at 1:1 ratios provide better transfer value than most premium cards. The trade-off: 5 transactions per statement period required to earn points, and no traditional welcome bonus.
Details & Terms
| Purchase APR | 19.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Bilt family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bilt Blue | entry | $0 | |
| Bilt Obsidian | premium | $95 | |
| Bilt Palladium | super_premium |
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$5,000
Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt
Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather,
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Transfer your Bilt Points to 23 leading loyalty programs for maximum value.
Most partners accept Bilt Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
| $495 |
Product changes available between family members without a new credit inquiry.
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
Comprehensive review of the Bilt Mastercard covering earn rates, benefits, redemption options, and how to maximize rent rewards with no transaction fees.
NerdWallet's analysis of whether the Bilt Mastercard is worth it, focusing on how it's the best way to earn travel rewards on rent but may not suit everyone's needs.
CNBC Select's review highlighting how the Bilt Mastercard allows fee-free rent payments while earning highly valuable Bilt Points for travel redemptions.
Forbes Advisor's comprehensive review covering credit requirements, rent payment capabilities, benefits, and whether the card fits your financial situation.
Breaking news coverage of the Bilt 2.0 product refresh introducing three new cards (Blue, Obsidian, Palladium) with enhanced rent and mortgage rewards options.
Forbes analysis of the Bilt 2.0 launch, explaining the new three-card lineup and how mortgage payments now earn rewards alongside traditional rent payments.
Complete guide to the Bilt Rewards program covering earning strategies, transfer partners, status tiers, and how to maximize value from rent payments.
Detailed breakdown of all 13 Bilt Mastercard benefits with estimated dollar values, totaling over $3,100 in annual value including rent rewards and travel perks.
Frequent Miler's comprehensive 2026 guide to Bilt Rewards covering earning, redemption, transfer partners, elite status, and advanced strategies for maximizing value.
One Mile at a Time's analysis of the Bilt 2.0 card lineup comparing Blue, Obsidian, and Palladium tiers to help readers choose the best fit for their spending.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$5,000
Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt
Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather,
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Transfer your Bilt Points to 23 leading loyalty programs for maximum value.
Most partners accept Bilt Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
| $495 |
Product changes available between family members without a new credit inquiry.
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
Comprehensive review of the Bilt Mastercard covering earn rates, benefits, redemption options, and how to maximize rent rewards with no transaction fees.
NerdWallet's analysis of whether the Bilt Mastercard is worth it, focusing on how it's the best way to earn travel rewards on rent but may not suit everyone's needs.
CNBC Select's review highlighting how the Bilt Mastercard allows fee-free rent payments while earning highly valuable Bilt Points for travel redemptions.
Forbes Advisor's comprehensive review covering credit requirements, rent payment capabilities, benefits, and whether the card fits your financial situation.
Breaking news coverage of the Bilt 2.0 product refresh introducing three new cards (Blue, Obsidian, Palladium) with enhanced rent and mortgage rewards options.
Forbes analysis of the Bilt 2.0 launch, explaining the new three-card lineup and how mortgage payments now earn rewards alongside traditional rent payments.
Complete guide to the Bilt Rewards program covering earning strategies, transfer partners, status tiers, and how to maximize value from rent payments.
Detailed breakdown of all 13 Bilt Mastercard benefits with estimated dollar values, totaling over $3,100 in annual value including rent rewards and travel perks.
Frequent Miler's comprehensive 2026 guide to Bilt Rewards covering earning, redemption, transfer partners, elite status, and advanced strategies for maximizing value.
One Mile at a Time's analysis of the Bilt 2.0 card lineup comparing Blue, Obsidian, and Palladium tiers to help readers choose the best fit for their spending.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$5,000
Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt
Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather,
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Transfer your Bilt Points to 23 leading loyalty programs for maximum value.
Most partners accept Bilt Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
| $495 |
Product changes available between family members without a new credit inquiry.
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
Comprehensive review of the Bilt Mastercard covering earn rates, benefits, redemption options, and how to maximize rent rewards with no transaction fees.
NerdWallet's analysis of whether the Bilt Mastercard is worth it, focusing on how it's the best way to earn travel rewards on rent but may not suit everyone's needs.
CNBC Select's review highlighting how the Bilt Mastercard allows fee-free rent payments while earning highly valuable Bilt Points for travel redemptions.
Forbes Advisor's comprehensive review covering credit requirements, rent payment capabilities, benefits, and whether the card fits your financial situation.
Breaking news coverage of the Bilt 2.0 product refresh introducing three new cards (Blue, Obsidian, Palladium) with enhanced rent and mortgage rewards options.
Forbes analysis of the Bilt 2.0 launch, explaining the new three-card lineup and how mortgage payments now earn rewards alongside traditional rent payments.
Complete guide to the Bilt Rewards program covering earning strategies, transfer partners, status tiers, and how to maximize value from rent payments.
Detailed breakdown of all 13 Bilt Mastercard benefits with estimated dollar values, totaling over $3,100 in annual value including rent rewards and travel perks.
Frequent Miler's comprehensive 2026 guide to Bilt Rewards covering earning, redemption, transfer partners, elite status, and advanced strategies for maximizing value.
One Mile at a Time's analysis of the Bilt 2.0 card lineup comparing Blue, Obsidian, and Palladium tiers to help readers choose the best fit for their spending.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| 1:1 |
| instant |
| 88% |
| — |
| 1:1 | 5-7 days | 82% | 1.5 cpp |
| 1:1 | instant | 76% | 1.4 cpp |
| 1:1 | instant | 76% | 1.35 cpp |
| 1:1 | 5-7 days | 76% | 1.35 cpp |
| 1:1 | instant | 71% | — |
| 1:1 | 5-7 days | 71% | — |
| 1:1 | instant | 65% | — |
| 1:1 | 5-7 days | 65% | — |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
| 1:1 |
| instant |
| 88% |
| — |
| 1:1 | 5-7 days | 82% | 1.5 cpp |
| 1:1 | instant | 76% | 1.4 cpp |
| 1:1 | instant | 76% | 1.35 cpp |
| 1:1 | 5-7 days | 76% | 1.35 cpp |
| 1:1 | instant | 71% | — |
| 1:1 | 5-7 days | 71% | — |
| 1:1 | instant | 65% | — |
| 1:1 | 5-7 days | 65% | — |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
| 1:1 |
| instant |
| 88% |
| — |
| 1:1 | 5-7 days | 82% | 1.5 cpp |
| 1:1 | instant | 76% | 1.4 cpp |
| 1:1 | instant | 76% | 1.35 cpp |
| 1:1 | 5-7 days | 76% | 1.35 cpp |
| 1:1 | instant | 71% | — |
| 1:1 | 5-7 days | 71% | — |
| 1:1 | instant | 65% | — |
| 1:1 | 5-7 days | 65% | — |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
