Earn rewards on rent, dining, travel, and everyday purchases with the Bilt Credit Card. No annual fee, flexible redemption options, and more benefits await!
Table of Contents
Introduction
The Bilt Credit Card is a unique and innovative credit card that offers an array of benefits, primarily aimed at renters. Unlike traditional credit cards, the Bilt Card allows users to earn rewards on rent payments, which are typically non-rewardable expenses. With no annual fee, a competitive rewards program, and perks like travel and fitness benefits, the Bilt Credit Card is tailored to those who want to maximize their spending potential, especially those who rent their living space. Whether you’re paying for rent, dining out, or booking travel, the Bilt Credit Card provides valuable rewards that can help you save money and earn points for everyday purchases.
What is the Bilt Credit Card?
The Bilt Credit Card is a unique rewards credit card tailored for renters. It allows cardholders to earn points on rent payments—an expense that typically doesn’t come with rewards. In addition to rent, the card offers points on other everyday purchases, such as dining, travel, and fitness. With no annual fee, it provides a competitive rewards program and exclusive benefits like access to experiences, as well as the ability to transfer points to airline and hotel partners. The Bilt Credit Card is designed to help renters maximize rewards and save on everyday expenses.
Benefits of the Bilt Credit Card
The Bilt Credit Card offers a range of valuable benefits, especially for renters and those looking to maximize their rewards on everyday spending. Here are some key benefits of the card:
Earn Rewards on Rent Payments
One of the standout features of the Bilt Credit Card is the ability to earn points on rent payments. Rent is often a significant monthly expense that doesn’t typically earn rewards, but with the Bilt card, you can earn points on your rent payment without any extra fees or hassles.
No Annual Fee
The Bilt Credit Card comes with no annual fee, making it an affordable option for those looking to earn rewards without the burden of high upfront costs.
Rewards on Everyday Spending
In addition to earning points on rent, the Bilt Credit Card offers rewards for other categories, such as:
- Dining
- Travel
- Fitness This makes it a versatile card that helps you earn points on many of your daily expenses.
Flexible Points Redemption
Bilt points can be redeemed in various ways, including:
- Travel: Transfer points to popular airline and hotel partners.
- Rent: Use points to pay rent directly.
- Statement Credit or Gifts: Redeem points for a statement credit or use them for exclusive experiences and rewards.
Exclusive Experiences and Partnerships
The Bilt Credit Card offers access to exclusive events, experiences, and partnerships that can enhance your lifestyle. This includes perks like travel upgrades, concerts, and special offers from partner brands.
Points Transfer to Airline and Hotel Partners
Bilt allows you to transfer your points to over 20 airline and hotel partners, including major names like American Airlines, United, Hyatt, and Marriott. This provides greater flexibility for frequent travelers.
No Foreign Transaction Fees
If you’re someone who frequently travels abroad, the Bilt Credit Card offers the added benefit of no foreign transaction fees, saving you money when using the card overseas.
Mobile and Digital Wallet Compatibility
The Bilt Credit Card is compatible with mobile wallets like Apple Pay, Google Pay, and Samsung Pay, allowing for secure and convenient payments on the go.
How the Bilt Credit Card Earns Points
The Bilt Credit Card offers a straightforward and rewarding points system, allowing you to earn points on a variety of everyday expenses, including rent. Here’s how the card helps you rack up rewards:
Earn Points on Rent Payments
One of the key features of the Bilt Credit Card is the ability to earn points on rent payments. Cardholders can earn 1 point per dollar spent on rent without any additional fees, making it a great way to turn a typically non-rewardable expense into a valuable opportunity to build points.
Earn Points on Dining, Travel, and Fitness
The Bilt Credit Card offers bonus points for purchases in specific categories:
- Dining: Earn 3 points per dollar spent at restaurants, cafes, and food delivery services.
- Travel: Earn 2 points per dollar spent on travel-related purchases such as flights, hotels, car rentals, and more.
- Fitness: Earn 2 points per dollar spent on fitness-related expenses, such as gym memberships, fitness classes, and health-related services.
Earn Points on All Other Purchases
For all other purchases that don’t fall into the bonus categories, you will earn 1 point per dollar spent. This ensures that everyday spending can still contribute to earning rewards, even if it’s not related to rent, dining, travel, or fitness.
Bonus Points for New Cardholders
The Bilt Credit Card may offer special sign-up bonuses for new cardholders, such as earning extra points for meeting a minimum spending requirement within the first few months. Always check the latest offers to see if there are any limited-time bonuses available when you apply.
Automatic Earning on Rent Payments
What sets the Bilt Credit Card apart is that you can earn points on rent payments without needing to pay through third-party services or incur additional fees. Simply use your Bilt Credit Card to pay your rent directly, and you’ll earn points as part of your normal billing cycle.
Unique Features of the Bilt Credit Card
The Bilt Credit Card stands out with a variety of distinctive features, especially for renters and individuals looking to earn rewards on their everyday spending. Here are the unique aspects that set the Bilt Credit Card apart:
Earn Points on Rent Payments
Unlike most credit cards, the Bilt Credit Card allows you to earn points on rent payments, which is usually a non-rewardable expense. By using the card to pay rent directly (with no additional fees), you can start earning points without needing to rely on third-party services or incur extra costs.
No Annual Fee
The Bilt Credit Card comes with no annual fee, making it an affordable choice for individuals who want to earn rewards without worrying about high upfront costs or maintaining a certain spending threshold to offset an annual charge.
Points Transfer to Airline and Hotel Partners
One of the standout features of the Bilt Credit Card is the ability to transfer your points to over 20 airline and hotel partners, including major names like American Airlines, United, Hyatt, and Marriott. This provides flexibility for frequent travelers looking to maximize their points’ value for flights and accommodations.
Points Redemption for Rent Payments
Bilt allows cardholders to redeem their earned points directly toward rent payments, a feature that is particularly appealing for renters. This unique benefit helps offset living costs and adds extra value to the points you accumulate.
Flexible Earning Categories
The Bilt Credit Card offers bonus points in several key categories:
- Dining: Earn 3 points per dollar on dining, including restaurants, cafes, and food delivery services.
- Travel: Earn 2 points per dollar on travel-related expenses such as flights, hotels, and car rentals.
- Fitness: Earn 2 points per dollar on fitness-related spending, including gym memberships and fitness classes.
No Foreign Transaction Fees
For those who travel internationally, the Bilt Credit Card offers the benefit of no foreign transaction fees, making it a great option for use abroad without incurring extra charges on overseas purchases.
Exclusive Experiences and Perks
Cardholders enjoy access to exclusive experiences and offers from partner brands, including special events, travel perks, and more. These opportunities help enhance your lifestyle and make the most of your rewards.
Mobile Wallet Compatibility
The Bilt Credit Card is compatible with popular mobile wallets, such as Apple Pay, Google Pay, and Samsung Pay. This makes it easy to pay for purchases quickly and securely, both in-store and online, directly from your phone.
Partner Network for Rent Payments
One of the standout features of the Bilt Credit Card is its ability to allow users to earn rewards on rent payments, and this is made possible through a broad and flexible partner network. This network includes property management companies, landlords, and payment platforms that work with Bilt to enable direct rent payments using the card. Here’s how it works:
Direct Rent Payments
The Bilt Credit Card allows you to pay rent directly through the Bilt Rewards platform without any additional fees or service charges. The payment is processed securely, and you earn points on the full rent payment.
Bilt’s Partner Network
The Bilt platform has partnered with a wide range of property managers, apartment complexes, and landlords across the country. This allows you to use your Bilt Credit Card to pay rent directly to these partners, without having to go through third-party services. You can search for eligible rental properties and check if they participate in the Bilt network.
Rent Payment Platforms
In addition to direct landlord partnerships, Bilt works with third-party payment platforms like PayPal and other similar services, which may allow rent payments to be processed via the Bilt Credit Card for those whose landlords are not directly partnered with Bilt. This provides added flexibility for users who may not have direct access to landlords in the Bilt network.
Earn Points Without Extra Fees
What makes this feature even more valuable is that you do not incur extra transaction fees for paying rent through Bilt’s partner network. Most other credit cards charge fees for rent payments or use third-party services that add extra costs, but with the Bilt Credit Card, you can earn points without paying additional fees.
Travel Benefits and Partnerships of the Bilt Credit Card
The Bilt Credit Card offers a variety of travel-related benefits, making it an attractive option for frequent travelers who want to maximize their rewards. These benefits go beyond earning points for travel-related purchases; they also include partnerships with airlines and hotel chains that enhance the value of your points and the overall travel experience. Here’s a look at the travel perks offered by the Bilt Credit Card:
Points Transfer to Airline and Hotel Partners
One of the key travel benefits of the Bilt Credit Card is the ability to transfer earned points to over 20 major airline and hotel partners. These partnerships include top-tier airlines and hotels, such as:
- Airlines: American Airlines, United Airlines, British Airways, Air Canada, and more.
- Hotels: Hyatt, Marriott, and other leading hotel chains.
This flexibility allows you to use your Bilt points to book flights and accommodations, making your points more valuable when it comes to travel.
Earn Points on Travel Purchases
With the Bilt Credit Card, you can earn:
- 2 points per dollar spent on travel-related expenses, such as flights, hotel bookings, car rentals, and more.
- Travel purchases are not limited to just booking flights; you can also earn points on dining during your trips, booking activities, and paying for travel insurance or baggage fees.
No Foreign Transaction Fees
For those who travel abroad, the Bilt Credit Card is a great choice because it does not charge foreign transaction fees. This means you can use your card internationally without incurring additional costs, making it a convenient and cost-effective option for global travelers.
Access to Travel Benefits and Experiences
In addition to earning travel rewards, Bilt Credit Cardholders have access to exclusive travel experiences and partnerships. These may include:
- Special access to events, concerts, and other exclusive experiences.
- Travel-related perks, such as upgrades and discounts from Bilt’s network of partners.
Travel Protection Benefits
Bilt also offers some essential travel protections, such as:
- Trip Cancellation Insurance: If you need to cancel your trip due to covered reasons, the Bilt Credit Card may offer protection.
- Travel Accident Insurance: Coverage in the event of an accident while traveling.
Flexible Redemption Options for Travel
You can redeem your points for travel bookings, including flights and hotel stays, through the Bilt Rewards portal or transfer them to airline and hotel loyalty programs. This allows you to use your points in a way that best suits your travel plans, whether booking directly or through a partner network.
Travel Concierge Service
For premium cardholders, the Bilt Credit Card may offer a concierge service to help with travel arrangements. Whether you need assistance with booking flights, reserving hotels, or finding exclusive travel experiences, the concierge service adds a personalized touch to your travel planning.
Redeeming Bilt Points: Options and Value
The Bilt Credit Card provides a variety of redemption options that allow you to make the most of the points you’ve earned. Whether you’re looking to offset everyday expenses, travel the world, or enjoy exclusive experiences, Bilt offers flexibility in how you use your points. Here’s a breakdown of the primary redemption options and the value you can expect:
Redeem Points for Rent Payments
One of the standout features of the Bilt Credit Card is the ability to use your earned points to pay rent. This is particularly valuable for renters who want to offset one of their biggest monthly expenses. You can redeem your points directly for rent payments through the Bilt Rewards platform. This allows you to use your points in a way that offers real financial relief without any transaction fees or complicated redemption processes.
Transfer Points to Airline and Hotel Partners
Bilt allows you to transfer points to over 20 airline and hotel partners, providing flexibility and added value for frequent travelers. Some of the partners include:
- Airlines: American Airlines, United Airlines, British Airways, and more.
- Hotels: Hyatt, Marriott, and others.
Transferring points to travel partners can offer significant value, as you can book flights or hotel stays at a potentially higher value than redeeming points directly through the Bilt portal. The transfer ratio is typically favorable, allowing you to get more out of your points when planning your next trip.
Redeem Points for Travel Bookings
You can also redeem your points directly for travel through the Bilt Rewards portal. This includes booking flights, hotels, car rentals, and even experiences. The portal allows you to easily browse travel options and use your points for a wide range of travel-related purchases. This option provides the convenience of booking directly while using your points to cover part or all of the costs.
Statement Credit
If you prefer a more straightforward way to use your points, Bilt allows you to redeem them for statement credit. This helps reduce your credit card balance, making it a simple way to get value from your points, particularly if you’re not looking to travel or pay rent with them.
Gift Cards and Experiences
Bilt points can also be redeemed for a variety of gift cards to popular retailers, restaurants, and online stores. Additionally, the Bilt platform occasionally offers access to exclusive experiences, such as concerts, dining events, or unique travel opportunities. These experiences can enhance your lifestyle and give your points added value in areas beyond typical purchases.
Cash and Merchandise
While not as common, Bilt may also offer redemption options for cash or merchandise. These options may vary depending on promotions or availability, so it’s worth checking the Bilt Rewards platform for updates.
Value of Bilt Points
The value of Bilt points can vary depending on how you choose to redeem them. Here’s a general breakdown of how to get the best value:
- Travel redemptions (point transfer to airline and hotel partners) often offer the highest value, potentially worth 1.5 cents per point or more, depending on the transfer partner and booking details.
- Rent payments typically offer a value of 1 cent per point.
- Statement credits generally offer a value of around 1 cent per point as well, but the value can fluctuate based on your redemption method.
- Gift cards and experiences may also offer a value of 1 cent per point, but some exclusive experiences may provide higher value.
Maximizing Point Value
To get the most value from your Bilt points, consider transferring them to airline or hotel partners, as this can often offer a higher redemption rate, particularly if you use your points for long-haul flights or luxury hotel stays. If you’re flexible with your travel plans, this is often the most rewarding option.
Bilt Elite Status Program
The Bilt Credit Card offers an exclusive Bilt Elite Status program, which is designed to reward cardholders who spend more and engage more frequently with the Bilt Rewards platform. This loyalty program provides a range of benefits and perks that enhance the overall experience of using the Bilt Credit Card. Here’s a closer look at what the Bilt Elite Status program entails:
How to Achieve Bilt Elite Status
To qualify for Bilt Elite Status, cardholders need to meet a specific spending threshold within a given year. The program has several tiers, and the higher your spending, the more benefits you unlock. While the exact thresholds and details may vary, typically, you need to:
- Spend a certain amount on your Bilt Credit Card within a calendar year (e.g., $25,000 or more).
- Engage with the Bilt Rewards program by using the card for regular purchases such as rent payments, dining, travel, or fitness-related expenses.
Tiers of Bilt Elite Status
The Bilt Elite Status program typically has two or more levels, with each level offering progressively better benefits:
- Bilt Silver Status: The entry-level tier, which is generally achieved with moderate annual spending, may provide basic rewards enhancements such as bonus points or access to some exclusive offers.
- Bilt Gold Status: The higher-tier status often requires more significant spending and may unlock more premium rewards like greater point multipliers on select categories, priority customer service, and invitations to special events or experiences.
Benefits of Bilt Elite Status
The Bilt Elite Status program offers several valuable perks that make it an appealing option for frequent users of the Bilt Credit Card. Here’s a look at some of the key benefits:
Bonus Points
Bilt Elite cardholders may earn additional bonus points on select purchases. For example, you could earn extra points for spending in categories like travel, dining, or fitness, helping you accumulate rewards faster.
Exclusive Offers and Access
Cardholders with Bilt Elite Status often get access to exclusive events, such as VIP experiences, private concerts, or invitation-only dining experiences. These perks can significantly enhance the value of being an Elite member.
Priority Customer Service
Bilt Elite members often receive priority customer support, ensuring quicker response times and more personalized service when you need assistance with your card or rewards program.
Increased Points Earning Potential
Higher-tier Elite members may unlock increased points earning rates on certain categories of purchases, allowing you to earn more points for everyday spending, particularly in areas like dining, travel, and rent payments.
Special Promotions and Bonuses
From time to time, Bilt may offer special promotions that are exclusive to Elite members, such as limited-time bonus points opportunities, offers for free points, or access to limited-time rewards or travel deals.
Maximizing the Value of Bilt Elite Status
To make the most of your Bilt Elite Status, it’s important to take full advantage of the bonus point categories and exclusive benefits that come with higher spending. The Elite Status can significantly enhance your overall points earning potential, helping you reach travel and lifestyle rewards faster.
Comparison of the Bilt Credit Card with Other Credit Cards
When deciding whether the Bilt Credit Card is the right choice for you, it’s important to compare it to other popular credit cards on the market, particularly those in the travel and rewards categories. Here’s how the Bilt Credit Card stacks up against other cards in terms of rewards, benefits, and key features.
Bilt Credit Card vs. Chase Sapphire Preferred Card
Rewards
- Bilt Credit Card: Offers 2 points per dollar on travel and dining, 1 point per dollar on rent payments (no fees), and 1 point on other purchases.
- Chase Sapphire Preferred Card: Earns 2 points per dollar on travel and dining, 1 point on all other purchases.
Travel Benefits
- Bilt Credit Card: Allows you to transfer points to over 20 airline and hotel partners, with a strong focus on no-fee rent payments.
- Chase Sapphire Preferred Card: Offers travel redemption at 1.25 cents per point through the Chase Ultimate Rewards portal and transfers to 13 airline and hotel partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- Chase Sapphire Preferred Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Focuses on rent payment rewards, flexible point transfers, and bonus categories.
- Chase Sapphire Preferred Card: Comes with additional benefits like trip cancellation insurance, primary rental car insurance, and travel accident insurance.
Bilt Credit Card vs. American Express Gold Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, with 1 point on rent payments.
- American Express Gold Card: Earns 4 points per dollar on restaurants worldwide, 3 points on flights booked directly with airlines or on amextravel.com, and 1 point on all other purchases.
Travel Benefits
- Bilt Credit Card: Points transfer to 20+ travel partners, making it ideal for those who want flexible travel redemptions.
- American Express Gold Card: Offers access to the American Express Travel program, which provides exclusive travel experiences and benefits, plus transfer options to major airline partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- American Express Gold Card: Has an annual fee of $250.
Other Perks
- Bilt Credit Card: Includes rent payment benefits with no fees, along with points for other everyday purchases.
- American Express Gold Card: Includes dining credits (up to $120 annually) at select restaurants and delivery services, as well as 3 points on flights and restaurants.
Bilt Credit Card vs. Capital One Venture Rewards Credit Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, 1 point on rent payments, and 1 point on other purchases.
- Capital One Venture Rewards Credit Card: Earns 2 miles per dollar on every purchase, with no specific category bonuses.
Travel Benefits
- Bilt Credit Card: Points transfer to a wide range of airline and hotel partners, along with flexible redemption options, including rent payments.
- Capital One Venture Rewards Credit Card: Earns 2 miles per dollar on all purchases and allows miles to be used to erase travel purchases or transferred to over 15 airline partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- Capital One Venture Rewards Credit Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Emphasizes no-fee rent payments and flexible point transfers, ideal for renters and travelers.
- Capital One Venture Rewards Credit Card: Provides 24-hour travel assistance, no foreign transaction fees, and 2 miles per dollar on every purchase.
Bilt Credit Card vs. Citi Premier® Card
Rewards
- Bilt Credit Card: 2 points per dollar on travel and dining, 1 point on rent payments, and 1 point on other purchases.
- Citi Premier® Card: 3 points per dollar on travel, including gas stations, 2 points on dining and entertainment, and 1 point on other purchases.
Travel Benefits
- Bilt Credit Card: Points can be transferred to 20+ airline and hotel partners, and it’s ideal for people who frequently pay rent.
- Citi Premier® Card: Points can be transferred to a variety of travel partners, and you can earn 3 points per dollar on travel, which can be redeemed for travel expenses through the Citi ThankYou Rewards portal.
Annual Fee
- Bilt Credit Card: No annual fee.
- Citi Premier® Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Provides the unique benefit of earning rewards on rent payments with no extra fees.
- Citi Premier® Card: Offers access to Citi’s extensive list of travel partners, along with the ability to earn more points in multiple categories, but lacks rent payment rewards.
Bilt Credit Card vs. Wells Fargo Active Cash® Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, and 1 point on rent payments.
- Wells Fargo Active Cash® Card: Earns 2% cash back on all purchases, including travel, dining, and everyday expenses.
Travel Benefits
- Bilt Credit Card: Points can be transferred to over 20 travel partners and can be used for rent payments, making it more versatile for renters and travelers.
- Wells Fargo Active Cash® Card: Earns cash back instead of points, which can be redeemed for statement credits or other rewards but doesn’t have a points transfer option for travel.
Annual Fee
- Bilt Credit Card: No annual fee.
- Wells Fargo Active Cash® Card: No annual fee.
Other Perks
- Bilt Credit Card: Offers flexibility in point redemption, including rent payments, and travel rewards through transfer partners.
- Wells Fargo Active Cash® Card: Simplifies rewards with straight cash back but lacks the travel-focused benefits of the Bilt Credit Card.
Comparison of the Bilt Credit Card with Other Credit Cards
When deciding whether the Bilt Credit Card is the right choice for you, it’s important to compare it to other popular credit cards on the market, particularly those in the travel and rewards categories. Here’s how the Bilt Credit Card stacks up against other cards in terms of rewards, benefits, and key features.
Bilt Credit Card vs. Chase Sapphire Preferred Card
Rewards
- Bilt Credit Card: Offers 2 points per dollar on travel and dining, 1 point per dollar on rent payments (no fees), and 1 point on other purchases.
- Chase Sapphire Preferred Card: Earns 2 points per dollar on travel and dining, 1 point on all other purchases.
Travel Benefits
- Bilt Credit Card: Allows you to transfer points to over 20 airline and hotel partners, with a strong focus on no-fee rent payments.
- Chase Sapphire Preferred Card: Offers travel redemption at 1.25 cents per point through the Chase Ultimate Rewards portal and transfers to 13 airline and hotel partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- Chase Sapphire Preferred Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Focuses on rent payment rewards, flexible point transfers, and bonus categories.
- Chase Sapphire Preferred Card: Comes with additional benefits like trip cancellation insurance, primary rental car insurance, and travel accident insurance.
Bilt Credit Card vs. American Express Gold Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, with 1 point on rent payments.
- American Express Gold Card: Earns 4 points per dollar on restaurants worldwide, 3 points on flights booked directly with airlines or on amextravel.com, and 1 point on all other purchases.
Travel Benefits
- Bilt Credit Card: Points transfer to 20+ travel partners, making it ideal for those who want flexible travel redemptions.
- American Express Gold Card: Offers access to the American Express Travel program, which provides exclusive travel experiences and benefits, plus transfer options to major airline partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- American Express Gold Card: Has an annual fee of $250.
Other Perks
- Bilt Credit Card: Includes rent payment benefits with no fees, along with points for other everyday purchases.
- American Express Gold Card: Includes dining credits (up to $120 annually) at select restaurants and delivery services, as well as 3 points on flights and restaurants.
Bilt Credit Card vs. Capital One Venture Rewards Credit Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, 1 point on rent payments, and 1 point on other purchases.
- Capital One Venture Rewards Credit Card: Earns 2 miles per dollar on every purchase, with no specific category bonuses.
Travel Benefits
- Bilt Credit Card: Points transfer to a wide range of airline and hotel partners, along with flexible redemption options, including rent payments.
- Capital One Venture Rewards Credit Card: Earns 2 miles per dollar on all purchases and allows miles to be used to erase travel purchases or transferred to over 15 airline partners.
Annual Fee
- Bilt Credit Card: No annual fee.
- Capital One Venture Rewards Credit Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Emphasizes no-fee rent payments and flexible point transfers, ideal for renters and travelers.
- Capital One Venture Rewards Credit Card: Provides 24-hour travel assistance, no foreign transaction fees, and 2 miles per dollar on every purchase.
Bilt Credit Card vs. Citi Premier® Card
Rewards
- Bilt Credit Card: 2 points per dollar on travel and dining, 1 point on rent payments, and 1 point on other purchases.
- Citi Premier® Card: 3 points per dollar on travel, including gas stations, 2 points on dining and entertainment, and 1 point on other purchases.
Travel Benefits
- Bilt Credit Card: Points can be transferred to 20+ airline and hotel partners, and it’s ideal for people who frequently pay rent.
- Citi Premier® Card: Points can be transferred to a variety of travel partners, and you can earn 3 points per dollar on travel, which can be redeemed for travel expenses through the Citi ThankYou Rewards portal.
Annual Fee
- Bilt Credit Card: No annual fee.
- Citi Premier® Card: Has an annual fee of $95.
Other Perks
- Bilt Credit Card: Provides the unique benefit of earning rewards on rent payments with no extra fees.
- Citi Premier® Card: Offers access to Citi’s extensive list of travel partners, along with the ability to earn more points in multiple categories, but lacks rent payment rewards.
Bilt Credit Card vs. Wells Fargo Active Cash® Card
Rewards
- Bilt Credit Card: Earns 2 points per dollar on travel and dining, and 1 point on rent payments.
- Wells Fargo Active Cash® Card: Earns 2% cash back on all purchases, including travel, dining, and everyday expenses.
Travel Benefits
- Bilt Credit Card: Points can be transferred to over 20 travel partners and can be used for rent payments, making it more versatile for renters and travelers.
- Wells Fargo Active Cash® Card: Earns cash back instead of points, which can be redeemed for statement credits or other rewards but doesn’t have a points transfer option for travel.
Annual Fee
- Bilt Credit Card: No annual fee.
- Wells Fargo Active Cash® Card: No annual fee.
Other Perks
- Bilt Credit Card: Offers flexibility in point redemption, including rent payments, and travel rewards through transfer partners.
- Wells Fargo Active Cash® Card: Simplifies rewards with straight cash back but lacks the travel-focused benefits of the Bilt Credit Card.
Eligibility and Application Process for the Bilt Credit Card
Eligibility Requirements
To apply for the Bilt Credit Card, you must meet certain eligibility criteria set by the card issuer. The general requirements include:
Minimum Credit Score
- A good to excellent credit score, typically around 670 or higher, is recommended for approval. Those with higher credit scores may have a better chance of receiving approval and qualifying for higher credit limits.
Age Requirement
- You must be at least 18 years old to apply for the Bilt Credit Card (or the age of majority in your state or country).
U.S. Residency
- You must be a U.S. resident with a valid U.S. address. The card is typically only available to U.S. citizens, permanent residents, or holders of certain U.S. visas.
Income Requirements
- While specific income requirements may not be listed, applicants should have a reliable and sufficient income to manage monthly payments. Card issuers typically assess your debt-to-income ratio as part of the approval process.
Other Factors
- A stable financial history, including a track record of paying bills on time, will enhance your chances of approval. A clean credit report with minimal negative marks is preferable.
How to Apply for the Bilt Credit Card
The application process for the Bilt Credit Card is straightforward and can typically be completed online. Here’s how you can apply:
Step 1: Review the Requirements
Before starting the application, make sure you meet the eligibility requirements mentioned above. Gather necessary information like your income, employment details, and social security number.
Step 2: Visit the Bilt Credit Card Website
- Go to the official Bilt website or the credit card issuer’s site to begin the application process.
Step 3: Complete the Application Form
- Fill out the online application form with your personal details, including your full name, address, email, phone number, income, and employment status.
- You’ll also need to provide your Social Security number (SSN) for identity verification.
Step 4: Review Terms and Submit
- Review the terms and conditions of the card, including the interest rates, fees, and rewards structure.
- Once you’ve confirmed all details, submit your application for review.
Step 5: Wait for Approval
- After submitting your application, you may receive an immediate decision or be asked to wait a few days for further processing. If approved, you will receive the card in the mail within a few business days to a couple of weeks.
Step 6: Activate the Card
- Once you receive your Bilt Credit Card, follow the instructions provided to activate the card. This may involve logging into your online account or calling the activation number provided.
What Happens After You Apply?
After applying, you will either:
- Receive Instant Approval: If you meet the criteria and have a strong credit profile, you may be approved instantly, and the card will be mailed to you.
- Receive a Decision in a Few Days: If the issuer needs more time to evaluate your application, you will be informed within a few days about the status of your application.
- Denied: If your application is declined, the issuer will provide you with a reason. You may still be able to reapply after improving your credit score or financial situation.
Bilt Credit Card Security Features
The Bilt Credit Card offers several security features to ensure your personal and financial information is protected while using the card. These features help guard against unauthorized transactions and minimize the risk of fraud. Here’s a look at some of the key security aspects:
EMV Chip Technology
The Bilt Credit Card is equipped with an EMV chip, which provides enhanced security for in-person transactions. The chip generates a unique transaction code for each purchase, making it more difficult for fraudsters to replicate your card’s information. EMV chip cards are widely used worldwide and help prevent skimming and counterfeiting.
Contactless Payments
The card supports contactless payments, which offer a quick, secure way to pay by simply tapping your card at participating merchants. These payments use encrypted tokens rather than actual card information, adding an additional layer of security when making in-store purchases.
Fraud Protection and Zero Liability
Bilt offers zero liability for unauthorized purchases. If your card is lost or stolen, or if someone makes fraudulent transactions using your account, you will not be held responsible for the charges. It’s important to report any suspicious activity as soon as possible to take advantage of this protection.
Account Monitoring and Alerts
Bilt provides account monitoring to help track any unusual or suspicious activity. You can also set up real-time alerts via the Bilt mobile app or online portal to be notified of any transactions made with your card. These alerts help you stay informed and respond quickly if any unauthorized purchases occur.
Secure Online Transactions
When making online purchases, the Bilt Credit Card uses Secure Socket Layer (SSL) encryption technology to protect your personal and payment details. This ensures that sensitive information, such as your card number and personal details, are securely transmitted over the internet.
Multi-Factor Authentication (MFA)
For added security, Bilt may require multi-factor authentication (MFA) for certain transactions, especially those involving account changes or large purchases. This additional step ensures that the person making the request is truly the cardholder.
Card Locking and Unblocking
If your card is lost or stolen, the Bilt app allows you to lock your card instantly to prevent further transactions. Once you’ve found the card or resolved any issues, you can easily unlock it through the app.
24/7 Customer Service
Bilt offers 24/7 customer service for reporting lost or stolen cards, suspicious transactions, or any issues you might encounter with your account. This ensures that you have access to assistance at any time, no matter where you are.
Conclusion
The Bilt Credit Card offers a unique combination of benefits tailored to renters, travelers, and those seeking a flexible rewards program. With its no annual fee structure, earnings on rent payments without additional fees, and strong travel rewards through point transfers to over 20 airline and hotel partners, it stands out as a practical choice for individuals who want to maximize rewards from everyday spending.
Beyond its rewards program, the Bilt Credit Card provides robust security features, including EMV chip technology, contactless payments, and fraud protection, ensuring a safe and convenient experience for users. The addition of elite status and the opportunity to earn points for rent payments makes it a compelling option for those looking to get the most out of their financial transactions.
Brightway Credit Card
FAQs About Bilt Credit Card
What is the Bilt Credit Card?
The Bilt Credit Card is a no-annual-fee rewards card designed for renters, travelers, and those seeking a flexible rewards program. It allows you to earn points on rent payments, dining, travel, and other purchases, which can be redeemed for travel, statement credits, or transferred to airline and hotel partners.
How can I earn points with the Bilt Credit Card?
You earn 2 points per dollar on dining and travel, 1 point per dollar on rent payments (with no fees), and 1 point per dollar on all other purchases. Points can be used for travel, statement credits, or transferred to over 20 travel partners.
Is there an annual fee for the Bilt Credit Card?
No, the Bilt Credit Card comes with no annual fee, making it a great option for those who want to earn rewards without the burden of additional costs.
Can I use the Bilt Credit Card for rent payments?
Yes, one of the standout features of the Bilt Credit Card is that you can earn 1 point per dollar on rent payments without incurring any additional fees. This is particularly beneficial for renters who want to earn rewards on regular expenses.
How do I redeem Bilt points?
Bilt points can be redeemed in various ways, including travel bookings, statement credits, or gift cards. You can also transfer points to over 20 airline and hotel partners, allowing you to maximize your travel rewards.
Does the Bilt Credit Card offer travel benefits?
Yes, the Bilt Credit Card offers travel rewards, including the ability to transfer points to over 20 travel partners, such as airlines and hotels. This allows you to book flights, hotel stays, and more using your earned points.
What security features does the Bilt Credit Card have?
The Bilt Credit Card offers several security features, including EMV chip technology, contactless payments, fraud protection, zero liability for unauthorized transactions, and multi-factor authentication to protect your information.
How can I manage my Bilt Credit Card account?
You can manage your Bilt Credit Card account through the Bilt mobile app or the online portal, where you can monitor transactions, pay bills, set up alerts, and track rewards.
Is there any interest on the Bilt Credit Card?
Like most credit cards, if you carry a balance from one billing cycle to the next, you will incur interest charges. However, if you pay your balance in full each month, you can avoid paying interest.
Can I use the Bilt Credit Card for purchases outside the U.S.?
Yes, the Bilt Credit Card can be used for international purchases. There are no foreign transaction fees, making it an excellent option for traveler.
Does the Bilt Credit Card offer a sign-up bonus?
Bilt often offers limited-time sign-up bonuses or promotions for new cardholders. Be sure to check the current offers when applying for the card to take advantage of any special promotions.
How do I contact customer service for the Bilt Credit Card?
Bilt offers 24/7 customer support. You can contact customer service through the Bilt mobile app, online portal, or by calling the customer service number provided on the back of your card.
Can I add an authorized user to my Bilt Credit Card account?
Yes, you can add an authorized user to your Bilt Credit Card account. This allows them to make purchases and earn points on their spending. However, the primary cardholder remains responsible for the balance and payments.
How long does it take to receive my Bilt Credit Card after approval?
Once approved, your Bilt Credit Card typically arrives within 7-10 business days. You will need to activate the card before use.
Are there any limits to how many points I can earn?
There are no specific earning limits on the Bilt Credit Card, so you can earn points on all eligible purchases, including rent payments, dining, travel, and other purchases. However, certain rewards programs or transfers may have restrictions or limits based on availability.
How can I track my points with the Bilt Credit Card?
You can track your earned Bilt points through the Bilt mobile app or the online portal. The app provides a user-friendly interface to monitor your points balance, view transaction history, and redeem points.
What is the Bilt Elite Status Program?
The Bilt Elite Status Program allows cardholders to unlock exclusive rewards and benefits, such as bonus points, access to special events, and travel perks. Achieving Elite Status requires spending a certain amount on the card annually.
Can I transfer Bilt points to my frequent flyer accounts?
Yes, you can transfer Bilt points to over 20 airline and hotel partners, making it an excellent option for frequent travelers. The transfer ratio typically varies by partner but is a great way to maximize the value of your points.
What is the interest rate on the Bilt Credit Card?
The interest rate (APR) on the Bilt Credit Card depends on your creditworthiness. Typically, the APR ranges from 15% to 22%, but it’s important to check the exact rate when you receive your card and before making any purchases.
Does the Bilt Credit Card offer travel insurance or protections?
The Bilt Credit Card provides some travel-related protections, including trip cancellation insurance and lost luggage coverage, but the specifics of these benefits may depend on the cardholder’s circumstances and eligibility. Be sure to review the terms and conditions for full details on available insurance.
What are the rewards redemption options for Bilt points?
You can redeem Bilt points for a variety of rewards, including travel (flights and hotels), statement credits, gift cards, and more. Points can also be transferred to a variety of airline and hotel partners to enhance your travel experience.
Can I use the Bilt Credit Card for rent payments through third-party services?
Yes, the Bilt Credit Card allows rent payments through the Bilt Rent Payment Platform or through third-party services, where applicable. You’ll earn points for eligible rent payments, but it’s important to check if there are any associated fees or restrictions with specific services.
How does Bilt handle disputes or fraud?
If you encounter a fraudulent charge or need to dispute a transaction, you can contact Bilt customer support. They will help resolve the issue, and zero liability protection means you won’t be held responsible for unauthorized transactions, provided the issue is reported promptly.
Does the Bilt Credit Card offer cashback rewards?
While the Bilt Credit Card focuses primarily on points-based rewards, it does not offer cashback rewards directly. However, you can redeem points for statement credits, effectively using your rewards as cashback in some cases.
How do I qualify for the Bilt Elite Status?
To qualify for Bilt Elite Status, you must spend a minimum of $25,000 annually on the card. This status unlocks additional rewards and benefits, such as bonus points and access to exclusive perks.
Is there a minimum payment required each month?
Yes, like most credit cards, the Bilt Credit Card requires a minimum payment each month. This is typically a small percentage of your balance, or the interest and fees, whichever is greater. Be sure to pay at least the minimum to avoid late fees.
Can I redeem Bilt points for merchandise?
Currently, Bilt points are mainly redeemed for travel, statement credits, and gift cards. There isn’t a wide merchandise redemption option, but the flexible travel redemption can offer significant value for frequent travelers.
Is there a foreign transaction fee on the Bilt Credit Card?
No, the Bilt Credit Card has no foreign transaction fees, making it a great choice for international travelers who want to avoid additional charges when making purchases abroad.
Does the Bilt Credit Card offer purchase protection?
Yes, the Bilt Credit Card provides purchase protection for eligible purchases, offering coverage for things like damaged or stolen items. Be sure to check the terms to understand the specific coverage limits and conditions.
Can I use Bilt points for charitable donations?
Currently, the Bilt Credit Card rewards program does not allow direct redemption of points for charitable donations. However, you can redeem points for statement credits or travel-related expenses that may indirectly support charitable causes.
How do I cancel my Bilt Credit Card?
If you wish to cancel your Bilt Credit Card, you can contact Bilt customer service through the app, online portal, or by phone. Make sure to pay off any outstanding balances before closing your account.
Can I use Bilt points to book flights and hotels directly?
Yes, you can use Bilt points to book flights, hotel stays, and other travel-related services directly through the Bilt portal or by transferring points to one of their travel partners, such as airlines and hotel chains.
