Bilt Points Calculator: Bilt Mastercard®
Fees
Earning Rates
- Earn 3X points on dining.
- Earn 2X points on travel.
- Earn 1X points on rent payments without the transaction fee, up to 100,000 points per year.
- Earn 1X points on all other purchases.
Main Benefits
- Pay rent and earn points at any apartment without the transaction fee, earn double points on the 1st (rent payments excluded), travel coverage, and no foreign transaction fees.
Bilt Points Value
- Bilt points are worth 1.5 cents apiece when redeemed towards a home down payment and 1.25 cents when redeemed for travel purchases through the Bilt Travel portal.
- Bilt points can be worth higher value when transferred to Bilt's transfer partners. This can give you as much as 2 cents per value or more.
Our Take
Card Details
Bilt Mastercard earning rate
The Bilt Mastercard earns Bilt Rewards points at the following rates:
- 3 points per dollar spent on dining.
- 2 points per dollar spent on travel.
- 1 point per dollar spent on rent payments without the transaction fee, on up to 100,000 points each calendar year.
- 1 point per dollar spent on everything else.
You will need to use the card 5 times each statement period to earn points on rent and qualifying net purchases for that statement period.
Bilt Mastercard points to dollar value
Bilt Mastercard benefits
Here are the main benefits of the Bilt Mastercard:
- Double Points On The 1st: Earn even more on Rent Day with 6X on dining, 4X on travel, and 2X on other purchases (except rent).
- Pay Rent With No Fee: Earn points on rent and get rewarded without the transaction fee.
- Multiple Payment Options: Pay for rent directly with the card or pay with your card through the Bilt Rewards app and Bilt will send a check on your behalf.
- Build Your Status: Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.
- Travel & Purchase Coverage: Trip Cancellation & Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, Cellular Telephone Protection, and Purchase Security.
Bilt Mastercard points transfer
Bilt Mastercard fees
Annual Fee
The Bilt Mastercard has a $0 annual fee.
This is fantastic considering the ability to earn points on rent and transfer points to partners for increased value.
Authorized User Fee
There is no fee to add authorized users to the Bilt Mastercard. Adding family and friends to your card can help you build your points faster.
Foreign Transaction Fee
The Bilt Mastercard has a 0% foreign transaction fee. This allows you to earn Bilt Rewards points on when making non-U.S. dollar purchases which makes it a fantastic choice for international travel — especially with the 3X earning rate on dining.
Bilt Mastercard points calculator
Use our calculator to estimate total Bilt points and card value based on the monthly and yearly spend amounts you input into our Bilt Mastercard calculator. Compare up to 2 credit cards side-by-side.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
