BILT MASTERCARD® Credit Card
Turn your monthly rent into valuable rewards with the Bilt Mastercard®. Enjoy no transaction fees, no annual fee, and rewards that truly benefit you.
Ready to take the next step? Click below to learn how to apply and start building your credit today!
ABOUT THE BILT MASTERCARD® Credit Card
The Bilt Mastercard® is a groundbreaking credit card tailored specifically for renters, offering the unique ability to earn points on rent payments without incurring transaction fees.
Issued by Wells Fargo, this card not only makes rent rewarding but also delivers exceptional benefits across dining, travel, and everyday spending.
With no annual fee, robust point redemption options, and perks like World Elite Mastercard® protections, the Bilt Mastercard® is a versatile financial tool that helps you build credit, save on expenses, and unlock exciting opportunities.
Whether you want to earn free travel, reduce your rent costs, or work toward a future home, the Bilt Mastercard® empowers you to turn your monthly expenses into valuable rewards.
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Why Choose This Card?
The Bilt Mastercard® is an ideal choice for renters who want to maximize their spending while achieving financial goals. Here’s what makes it stand out:
- Earn Points on Rent Payments: Pay your rent through the Bilt Rewards app to earn 1 point per dollar, up to 100,000 points annually, without any fees passed to your landlord. This transforms your largest expense into a source of rewards.
- Valuable Bonus Categories: In addition to rent, you’ll earn 3x points on dining, 2x points on travel, and 1x point on all other purchases. These bonus categories ensure you’re maximizing rewards across key spending areas.
- No Annual Fee: Unlike many rewards cards, the Bilt Mastercard® offers premium benefits without charging an annual fee, keeping more money in your pocket.
- Flexible Redemption Options: Use your points for travel through leading airline and hotel partners, rent credits, fitness classes, or even a down payment on a home. The variety of choices ensures your rewards align with your lifestyle.
- World Elite Mastercard® Benefits: Enjoy exclusive perks like cell phone protection, extended warranties, and access to curated travel experiences, adding extra value to your card membership.
- Build Credit with Rent Payments: Rent payments are reported to all three major credit bureaus, helping you establish or improve your credit score with consistent on-time payments.
If you’re a renter looking to earn rewards, save on expenses, and work toward financial milestones, the Bilt Mastercard® is a smart and rewarding choice.
HOW DO I EARN REWARDS ON RENT?
Use the Bilt Rewards app to pay your rent with your card. Earn 1 point per dollar without any transaction fees to your landlord.
ARE THERE FEES FOR USING THIS CARD?
The card has no annual fee, and rent payments processed through the Bilt Rewards app are fee-free.
WHAT CAN I REDEEM MY POINTS FOR?
Points can be redeemed for travel, rent credits, fitness classes, or a down payment on a home.
CAN IT HELP IMPROVE MY CREDIT SCORE?
Yes, on-time rent payments are reported to major credit bureaus, helping you build or improve your credit.
Benefits of the Bilt Mastercard®
Learn More About the BILT MASTERCARD®
If you’re still unsure, you can explore more details about the BILT MASTERCARD® by clicking the button below to see how it can help you build your credit and achieve your financial goals.
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Is the Bilt Mastercard® Right for You?
This card is ideal for:
- Renters: If rent is your largest expense, this card lets you turn it into rewards with no transaction fees.
- Travel Lovers: With airline and hotel transfer partners, it’s perfect for earning travel rewards.
- Credit Builders: On-time payment reporting to credit bureaus helps strengthen your financial profile.
- Cost-Conscious Individuals: With no annual fee, you can enjoy premium rewards without added costs.
Maximizing the Benefits
To unlock the full potential of the Bilt Mastercard®, follow these strategies:
Pay Rent Through the Bilt Rewards App
Ensure all your rent payments are made via the app to earn 1 point per dollar. By doing this, you’ll maximize your rewards on what is likely your largest monthly expense—all without paying transaction fees.
Focus on Bonus Categories
Use your card for dining (3x points) and travel (2x points) purchases to earn the most points. For instance, pay for meals out, flights, hotels, or rideshares with your card to take full advantage of the bonus structure.
Transfer Points for Maximum Value
Redeem your points by transferring them to travel partners like American Airlines, United MileagePlus®, or Hyatt. These transfers often deliver higher value per point, especially when used for flights or luxury hotel stays.
Utilize Rent Credits or Save for a Down Payment
Apply your points toward rent credits to reduce your monthly expenses or save them for a down payment on a home, turning your spending into long-term financial benefits.
Leverage Mastercard Protections
Take advantage of the World Elite Mastercard® benefits, such as cell phone insurance and purchase protection, to safeguard your everyday spending.
Monitor Your Progress
Use the Bilt Rewards app to track your points, manage transactions, and explore redemption options. Staying organized ensures you’re getting the most from your card.
How to Improve Your Credit Score
The Bilt Mastercard® is more than a rewards card—it’s a tool to help build or improve your credit score. Here’s how:
Pay On Time, Every Time
Payment history is the most critical factor in your credit score. Always pay at least the minimum due on time each month to establish a positive payment history. Rent payments made via the Bilt Rewards app are reported to all three major credit bureaus, adding to your credit profile.
Keep Your Utilization Low
Aim to use less than 30% of your credit limit to maintain a healthy credit utilization ratio. For example, if your credit limit is $1,000, try to keep your balance under $300.
Avoid Carrying a Balance
Paying your statement balance in full each month avoids interest charges and demonstrates responsible credit usage.
Monitor Your Credit Regularly
Keep track of your credit score and report to ensure all information is accurate. The Bilt Mastercard® app provides tools to help monitor your progress over time.
Use Your Card Consistently
Regular, responsible use of your card for rent and everyday purchases builds a steady credit history, which is essential for improving your score.
By combining responsible financial habits with the features of the Bilt Mastercard®, you can work toward a stronger credit profile and better financial opportunities.
STAY TUNED FOR EXCLUSIVE SCORE TIPS!
We’re excited to offer a unique guide full of expert insights and strategies designed to help you elevate your credit score even further.
Keep an eye out for our upcoming PDF, which will be packed with actionable tips and tools to boost your financial health.
Don’t miss out—your journey to a stronger credit score is just around the corner!