Bilt Rewards solves a problem renters have had for years: earning rewards on rent. The Bilt Mastercard pays 1x points on rent with no annual fee and no processing fee — and those points transfer 1:1 to United, Hyatt, American Airlines, and 12+ other partners. For renters who also travel, it is one of the most valuable no-fee cards available.
Bilt Mastercard at a Glance (2026)
| Feature | Details |
|---|---|
| Annual fee | $0 |
| Rent earning rate | 1x (up to $100,000/year) |
| Dining | 3x |
| Travel | 2x |
| All other | 1x |
| Rent Day (1st of month) | 6x dining / 4x travel / 2x rent |
| Minimum transactions | 5 per month to earn rent points |
| Foreign transaction fee | None |
| Credit score needed | Good–Excellent (670+) |
| Issued by | Wells Fargo |
How Rent Earning Works
- Set up your landlord in the Bilt app (or pay via Bilt’s ACH transfer)
- Pay rent through Bilt on or before the due date
- Earn 1x points — Bilt covers the processing fee with no cost to you
- Points post within a few days
Example: $2,000/month rent = 24,000 Bilt points per year from rent alone. At 1.5 cents per point transferred to United, that is $360 in flight value from an expense you were already paying.
Transfer Partners (All at 1:1)
| Partner | Type | Best Use |
|---|---|---|
| World of Hyatt | Hotel | Luxury hotel redemptions (2–5¢/pt) |
| United MileagePlus | Airline | Star Alliance flights |
| Air France/KLM Flying Blue | Airline | Monthly promo awards |
| American Airlines AAdvantage | Airline | Oneworld partner redemptions |
| British Airways Avios | Airline | Short-haul partner flights |
| Alaska Airlines Mileage Plan | Airline | West Coast redemptions |
| Emirates Skywards | Airline | Emirates premium cabin |
| Turkish Airlines Miles&Smiles | Airline | Star Alliance business class |
Bilt points should almost always be transferred to a partner — cash back redemption is only 0.55 cents per point, far below the 1.3–2+ cents available through airlines and hotels.
Rent Day — Double Earning
On the 1st of every month (Rent Day), earning rates double:
- 6x on dining (vs. 3x normally)
- 4x on travel (vs. 2x)
- 2x on rent (vs. 1x)
Front-load restaurant meals and any travel purchases to the 1st to maximize earning.
The 5-Transaction Minimum
You must make at least 5 purchases in a billing cycle for rent points to post. Each qualifying purchase (any amount) counts. If you miss 5 transactions in a month, you still earn points on non-rent purchases — just not on rent. Set reminders for the end of the month if you typically use another card.
Bilt vs. Other No-Fee Travel Cards
| Card | Rent Earning | Travel Earning | Transfers | FX Fee |
|---|---|---|---|---|
| Bilt Mastercard | 1x | 2x | 14+ partners | None |
| Chase Freedom Unlimited | 0x | 1.5x | Via Sapphire | None |
| Capital One Quicksilver | 0x | 1.5% cash | Limited | None |
| Citi Double Cash | 0x | 1x | Via Strata Premier | 3% |
Who Should Skip Bilt
- Homeowners — no rent to earn points on
- People who cannot make 5+ card transactions per month
- Anyone who prefers cash back over travel points
Internal Links
- Chase Ultimate Rewards Guide — another strong transfer program
- Best Credit Cards for International Travel — no-fee options compared
- Airport Lounge Access — upgrading to a premium card
- Best Travel Credit Cards — full market comparison
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