{"id":251484,"date":"2022-11-07T01:11:06","date_gmt":"2022-11-07T06:11:06","guid":{"rendered":"https:\/\/www.nomadicmatt.com\/?p=251484"},"modified":"2025-10-30T08:55:09","modified_gmt":"2025-10-30T12:55:09","slug":"bilt-rewards-review","status":"publish","type":"post","link":"https:\/\/www.nomadicmatt.com\/travel-blogs\/bilt-rewards-review\/","title":{"rendered":"Bilt Mastercard\u00ae Review: Earn Points By Paying Your Rent"},"content":{"rendered":"

\"Nomadic<\/p>\n

As an avid traveler, I\u2019m always looking for new ways to earn more points and miles through my everyday spending. As a result, I earn over one million points every year<\/a>, allowing me to enjoy all kinds of free flights and hotel stays, upgrades, lounge access, elite status, and more.<\/p>\n

Collecting points and miles<\/a> has saved me thousands and thousands of dollars over the years, and I wouldn’t be able to travel as much without it.<\/p>\n

However, there\u2019s traditionally been one huge expense that has always been hard to earn points for: rent. <\/p>\n

For years, points and miles collectors have taken advantage of temporary offers that waive credit card fees or gone through complex procedures to pay their rent so they could get points. <\/p>\n

But these maneuvers were all hit or miss and never lasted long. Thousands of potential points continued to be left on the table.<\/p>\n

Until now.<\/p>\n

With the arrival of the Bilt Mastercard\u00ae<\/a> (See rates and fees<\/a>), you can now earn points on rent (up to 100,000 Bilt Points per year), without paying any transaction fees for doing so. And it has changed the game. (Use the card 5 times each statement period to earn points.)<\/p>\n


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What is Bilt?<\/h3>\n

\"BiltBilt<\/a> (See rates and fees<\/a>) is a credit card that allows you to earn points when you pay your rent (as well as on everyday purchases). You then use those points like you would any other rewards program: you can use them to book travel directly, you can transfer them to travel partners, or you can use some of the other redemption options. <\/p>\n

There are two ways to earn Bilt points on rent payments without paying the transaction fee: by renting at a property in Bilt’s partner network and paying with ACH, or by using the Bilt World Elite Mastercard\u00ae. <\/p>\n

Bilt Alliance properties form a network of two million units across the US. But I’m not going to focus on that. I’m going to talk about its credit card since that’s what most people will be using.
\n <\/p>\n

How Does the Bilt Card Work?<\/h3>\n

Once you open a Bilt Mastercard\u00ae (which is issued by Wells Fargo and has no annual fee<\/a>), you go to the Bilt app or website to set up your recurring monthly rental payments. <\/p>\n

Bilt then creates a unique bank account tied to your Bilt credit card so that your rent is paid with an e-check rather than through your credit card. This bank account is basically a legal \u201cdummy\u201d account created as a workaround for credit card processing fees. You do not use it for anything else, and you do not withdraw or deposit money from it.<\/p>\n

Whenever these unique routing and account numbers are used to pay rent, your Bilt Mastercard\u00ae is charged for the same amount. (You still have to connect your personal bank account to pay off the card each month.) <\/p>\n

And, if your property is old-school and only accepts checks, you can still pay with your Bilt card through the Bilt Rewards app or website, and Bilt will send a check on your behalf.<\/p>\n

It all takes about five minutes to set up. When you’re done, you’ll be earning points on your rent (capped at 100,000 points each calendar year). I use it, so I don’t leave any points on the table, and it’s one of my favorite cards.
\n <\/p>\n

Earning Bilt Points<\/h3>\n

Once your account is set up, you\u2019ll start earning one point per dollar spent using the Bilt credit card on rent payments, up to 100,000 points each calendar year. <\/p>\n

And, while earning points for rent payments is Bilt\u2019s main draw, you\u2019ll also earn two points per dollar spent on travel (when booked directly with airlines, hotels, motels, resorts, cruise lines, and car rental agencies or through the Bilt Travel portal), three points per dollar spent on dining, and up to 5 points per dollar spent on Lyft when you link your Bilt and Lyft accounts. You\u2019ll get one point per dollar on other purchases. All and all, Bilt makes it easy to earn points (which, again, is why this card is one of my favs).<\/p>\n

Just note that you have to make five purchases each statement period (with no minimum spending requirement) to earn these rewards (more info on rewards and benefits here<\/a>). <\/p>\n

Using Bilt Points<\/h3>\n

Bilt points are transferable points, meaning that you can transfer them to any of their partners to book flights and hotels. These points are valuable because you can transfer them to whatever airline or hotel brand offers the best deal for your desired trip. <\/p>\n

Here\u2019s Bilt\u2019s list of current travel partners: <\/p>\n