The information for the Bilt Mastercard has been collected independently by Daily Drop. The card details on this page have not been reviewed or provided by the card issuer.
Bilt Mastercard
This card does not offer a welcome offer. Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
Megan JohnstonThe Bilt Card is a must-have for renters! I’ve been maximizing points on my rent for years and while the extra fees for using a card have always been worth it, it didn’t make those fees any less painful. Enter Bilt. I earned over 80,000 points in my first year thanks to normal spending, rent, and all of the (very fun) bonuses they offer. There are so many hidden ways to earn points. Not to mention they have some of the best transfer partners in their family (ahem… looking at you Hyatt). Don’t let the no welcome offer steer you away either because there might be a little treat in store for you when you get yours… maybe… no promises.
Comparable Cards
Blue Cash Preferred® Card from American Express
Annual Fee: $0 intro annual fee for the first year, then $95
Rates & Fees|Terms ApplyWelcome Offer
As high as $300 Bonus Points
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Pros & Cons
Pros
Earn points on rent payments without transaction fees
Points are flexible and valuable for travel bookings
No annual fee makes it a cost-effective choice
Cons
This card does not offer a welcome bonus
Rewards Summary
3x per $1 for dining purchases
2x per $1 on travel purchases when booked directly through airlines, hotels, car rental agencies, and cruise lines
1x per $1 on rent payments without the transaction fee, up to 100,000 points per calendar year
1x per $1 on other purchases
Use the card 5 times each statement period to earn points. Select "Learn More" to learn about the product features, terms, and conditions.
Additional Benefits
- Bilt Rent Day: Earn double points on the first of every month (excluding rent, up to 1,000 points per month)
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Trip Cancellation and Interruption Protection
- Trip Delay Reimbursement
- Auto Rental Collision Damage Waiver
- Purchase Security (theft and damage protection)
- Cellular Telephone Protection
- Concierge Service
- No Foreign Transaction Fee (Terms and Conditions)
How to make the most of your Bilt Mastercard
[.dontreco] We don’t recommend: Using points for statement credits or cash back. While this is an option, it doesn’t provide the best value.[.dontreco]
[.sometimesreco] We sometimes recommend: Redeeming points for gift cards. This can be a decent value but still falls short compared to travel redemptions. [.sometimesreco]
[.alwaysreco] We always recommend: Using points for travel bookings. You’ll get the most value by transferring your points to Bilt’s travel partners. [.alwaysreco]
[.favhotels] Our favorite hotels to book with this card [.favhotels]
Bilt Rewards has several hotel transfer partners, including:
- Hyatt: Excellent value with lower points requirements for award nights.
- IHG: Offers a wide range of properties globally, often with good promotions.
- Marriott: A vast network of hotels providing great flexibility.
[.favairlines] Our favorite airlines to fly with this card [.favairlines]
Here are some of Bilt’s primary airline transfer partners:
- United MileagePlus: Offers excellent value for flights and diverse partners.
- Air Canada Aeroplan: Good for travel to Canada and beyond with Star Alliance partners.
Transfer Partners
But how can I actually transfer my Bilt points? Transferring your Bilt points is simple. Log in to your Bilt Rewards account, go to the transfer points section, and choose your preferred partner. It’s that easy!
Oh yeah, did we mention that the Bilt Card has a pretty nice list of transfer partners? In case you need convincing, here’s that list:
Program Name
Transfer Ratio
Accor ALL
3:2
Air Canada
1:1
Air France/KLM
1:1
Alaska Airlines
1:1
Avianca
1:1
British Airways
1:1
Cathay Pacific
1:1
Hilton
1:2
IHG
1:1
Iberia
1:1
Japan Airlines
1:1
Marriott Bonvoy
1:1
Southwest Airlines
1:1
TAP Air Portugal
1:1
Turkish Airlines
1:1
United Airlines
1:1
Virgin Atlantic
1:1
1:1
Who Should Get The Bilt Mastercard?
- Renters Looking to Earn Rewards
If you're paying rent and not earning rewards on those payments, you're losing money (girl math!). The Bilt Card allows you to earn points on rent without any transaction fees (up to 100,000 points per year). This is a game-changer for renters who want to make their largest monthly expense work for them. Imagine earning points towards your next vacation, just by paying your rent. The Bilt Rewards program lets you transfer points to top travel partners, making those rent payments even more valuable. Plus, Bilt's Rent Day promotion offers double points earned (excluding rent, and is capped at 1,000 bonus points). Just use the card five times each statment period to earn points.
- Frequent Travelers
For those frequenting the airport, the Bilt Card offers a range of travel perks that make it the ideal addition to your wallet. Earn 3x points on dining, 2x points on travel, and 1x points on other purchases — just use the card five times each statement period to earn points. With transfer partners like Air Canada Aeroplan, Emirates Skywards, and World of Hyatt, you can turn your points into free flights and hotel stays. Easy. Bilt also offers travel protections such as trip cancellation insurance and no foreign transaction fees, which is just an added bonus!
- Budget-Conscious Spenders
Love redecorating or upgrading your living space? The Bilt Card can help you earn rewards while doing so. Use your card to shop at furniture stores, home improvement retailers, and online marketplaces, earning points on every purchase. Those points can also be transferred to Bilt's travel partners. Plus, Bilt points can be redeemed for fitness classes or experiences, adding more lifestyle benefits to your card.
Who Should Not Get The Bilt Mastercard?
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Bilt Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
Recommended Credit
A good to excellent credit score is recommended for the Bilt Mastercard. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Bilt Card. The worst they can say is “no,” and more often than not, we’ve found these people want to help!
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Frequently Asked Questions (FAQs)
Is the Bilt Card worth getting?
Absolutely, especially if you pay rent and want to earn rewards on those payments. It’s a unique and valuable card for renters and travelers alike.
What are the best ways to redeem Bilt Rewards points?
The best value comes from redeeming points for travel through Bilt’s transfer partners.
Can I earn points on rent payments with the Bilt Card?
Yes! The Bilt Card is one of the few cards that lets you earn points on rent payments without any transaction fees (up to 100,000 points per calendar year).
What credit score do you need for the Bilt Mastercard®?
Typically, you need a good to excellent credit score.
Our Experts
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.