8 Issues to Know In regards to the Bilt Rewards Mastercard


Nomadic Matt's new Bilt Mastercard being held up in front of a snake plant
Posted: 2/8/2023 | February eighth, 2023

Since popping out in 2021, the Bilt Rewards Mastercard has been an absolute game-changer for renters that like to journey. It’s the one bank card that means that you can earn factors in your month-to-month lease fee — as much as 50,000 factors per 12 months, (which may pay for a round-trip flight to Hawaii, for instance).

You should use these factors like another journey rewards factors (equivalent to these from Chase, American Categorical, or Capital One), transferring them to airline or resort companions or paying for journey straight by a particular portal.

However whereas the points-for-rent perk will get all the eye (and rightfully so), the Bilt Rewards Mastercard is greater than a one-trick pony.

To really get probably the most out of this beneficial card (one which I feel each renter ought to have of their pockets), listed below are some key issues to know in regards to the Bilt Mastercard:

1. There’s no annual price

One of the crucial necessary issues to think about when opening a brand new bank card is whether or not there’s an annual price, and if that’s the case, whether or not paying it is sensible based on your spending habits and targets.

A lot of the greatest journey bank cards have annual charges, and for frequent vacationers, they’re normally price it. You will get far more worth out of a card than its annual price if you happen to’re an avid flier who enjoys lounge entry, precedence boarding, checking further baggage, or different frequent perks.

However you don’t have to fret about that with Bilt, as the cardboard at present has no price. You may earn factors in your lease fully at no cost!

2. There’s additionally no welcome supply

Nevertheless, the flip facet of there being no annual price is that there’s additionally no welcome supply on the Bilt Rewards Mastercard.

Welcome affords (often known as sign-up bonuses) are the factors you earn by spending a specific amount inside a specified timeframe after opening a bank card. For instance, you would possibly have the ability to earn 60,000 factors if you happen to spend $3,000 USD throughout the first three months of opening a specific card.

These affords jump-start your factors “fund” and may usually quantity to a free round-trip flight proper off the bat. Welcome affords are so very important to any good journey hacking technique that I normally advise towards signing up for a card until there’s a sizable one. The truth that I wholeheartedly suggest the Bilt card, even with out a welcome supply, ought to present you simply how nice I feel this card is.

3. There’s a minimal transaction requirement to earn factors

After opening the Bilt Mastercard, maybe an important factor to know is that you should make a minimal of 5 transactions every assertion interval to earn factors. That goes for all factors, together with the factors you’ll obtain for paying your lease.

Which means if you happen to don’t make 5 purchases in your card that interval, you received’t earn any factors in any respect — even if you happen to’ve paid lease by Bilt.

The excellent news is that there’s no minimal buy requirement, solely a minimal transaction requirement. So long as you make 5 purchases — of any measurement — in your Bilt card every month, you’ll get your factors.

4. You may earn factors on extra than simply lease

Whereas incomes factors on lease is the primary promoting level, the cardboard affords extra methods to earn factors too:

  • 2x factors on journey
  • 3x factors on eating
  • 1x factors on all different purchases

(These incomes classes are the identical as fan-favorite Chase Sapphire Most well-liked, for which there’s an annual price of $95 USD).

So, for instance, if you happen to use your Bilt card in the course of the month on journey or eating purchases, you’ll not solely get 2-3 instances the factors, however you’ll additionally hit your minimal five-purchase requirement.

5. You may max out on factors earned for lease

It’s additionally price utilizing your card for purchases apart from lease due to the truth that you may max out on the variety of factors earned for lease (factors for lease are capped at 50,000 per 12 months). After that, you received’t earn any extra factors on lease for that 12 months.

Nevertheless, contemplating you earn at a charge of 1 Bilt level per $1 spent on lease, you’ll solely attain the restrict if you happen to spend over $4,166/month in lease. In case your rental fee is underneath that, you don’t have to fret about hitting the restrict.

6. You may earn much more factors on lease day

On the primary day of the month, your factors incomes energy is doubled, which means that you simply’ll earn 6x factors on eating, 4x factors on journey, and 2x on different purchases (besides lease) made on the primary of the month.

In case you get into the behavior of utilizing your Bilt card for every part you purchase on the primary day of the month, you’ll already be that a lot nearer to hitting your 5 minimal transactions, all whereas getting much more factors in your purchases.

And whereas nobody desires extra apps on their telephones, it would be best to obtain the Bilt app for probabilities to earn much more factors. Each lease day, there are new methods to simply earn factors within the app. These change each month, however previously have included taking part in Level Quest, during which you earn factors for proper solutions to trivia questions.

There’s additionally the Hire Day Problem, in which you’ll be able to enter to win a free month’s lease by appropriately finishing a fill-in-the-blank phrase in the course of the day.

Screenshot from Bilt app of Rent Day Challenge

Whereas a few of these alternatives don’t supply many factors, they take little or no time to finish, they usually all add up!

7. Bilt factors = American Airways factors

One more reason to amass factors is as a result of Bilt has American Airways as a switch associate — and it’s the one card that does. Since no different card affords factors that switch to American, Bilt is the one option to get AA factors with out having an AA card.

That is nice information for American Airways loyalists or vacationers with particular journeys in thoughts for which they need to use AA factors. For instance, I’m at present prioritizing my Bilt card as a substitute of my Chase Sapphire, as a result of I need these AA factors for a visit I’m planning to Japan this 12 months (AA is a associate with Japan Airways).

Along with American Airways, you may switch your Bilt factors on a 1:1 foundation to many different journey companions, together with:

  • Air Canada
  • Air France
  • Cathay Pacific
  • Emirates
  • Hawaiian Airways
  • Hyatt
  • IHG
  • Turkish Airways
  • United
  • Virgin Atlantic

You may as well redeem factors for health lessons, like SoulCycle, Solidcore, Rumble, and Y7, and for gadgets within the Bilt Assortment, a curated collection of artisan residence décor gadgets. Nevertheless, I’d advise towards this, as redeeming factors for health lessons comes out to round one level per cent — and you may get a significantly better redemption on journey purchases.

8. Bilt affords nice journey safety

Past its points-earning capabilities, Bilt affords stable journey safety, particularly for a no-fee card. Simply understand that you should guide journey utilizing the Bilt card with a purpose to obtain these advantages. The protections are much like that of different “starter” journey bank cards, just like the Chase Sapphire Most well-liked.

Listed here are the journey protections that Bilt at present affords:

  • Journey cancellation safety and interruption protection
  • Journey delay reimbursement (for delays of six hours or extra)
  • Automotive rental collision protection
  • Mobile phone safety (as much as $800 USD)
  • No international transaction charges

Click on right here for a full breakdown of rewards and advantages and charges and costs.

Whereas these protections — like that of any card — aren’t an alternative choice to journey insurance coverage (which it is best to all the time get!), they’re nice perks, and also you get them at no further price.


All in all, getting the Bilt card is a no brainer for anybody who pays lease within the US, because it’s at present the one option to earn factors at no cost on this essential month-to-month expense.

However, whereas it’s price getting for simply that profit alone, the Bilt card affords a variety of different superior options that make it much more beneficial. The power to switch to American Airways, double factors on Hire Day, new methods to earn extra factors, and a well-rounded roster of journey advantages and protections make the Bilt card greater than worthy of house in your pockets. It’s develop into one in every of my favourite playing cards and I discover myself reaching for it loads!

Click on right here to join the Bilt Mastercard!


Guide Your Journey: Logistical Ideas and Tips

Guide Your Flight
Discover a low cost flight by utilizing Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you all the time know no stone is being left unturned.

Guide Your Lodging
You may guide your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use Reserving.com because it constantly returns the most affordable charges for guesthouses and accommodations.

Don’t Neglect Journey Insurance coverage
Journey insurance coverage will shield you towards sickness, damage, theft, and cancellations. It’s complete safety in case something goes unsuitable. I by no means go on a visit with out it as I’ve had to make use of it many instances previously. My favourite firms that provide the perfect service and worth are:

Need to journey at no cost?
Journey bank cards help you earn factors that may be redeemed at no cost flights and lodging. They’re what hold me touring a lot for thus little. Try my information to selecting the correct card and my present favorites to get began and see the most recent greatest offers.

Able to Guide Your Journey?
Try my useful resource web page for the perfect firms to make use of if you journey. I listing all those I take advantage of after I journey. They’re the perfect in school and you’ll’t go unsuitable utilizing them in your journey.


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