How to earn points with the Bilt Mastercard

The Bilt Mastercard earns Bilt Rewards points at the following rates:

  • 5 points per dollar spent at Bilt Neighborhood Dining Partners.
  • 5 points per dollar spent on Lyft rideshare once you’ve linked your Bilt and Lyft accounts and pay with your Bilt Mastercard.
  • 3 points per dollar spent on dining.
  • 2 points per dollar spent on travel booked directly with airlines, hotels, car rental agencies, cruise lines, or through the Bilt Travel Portal.
  • 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.

NOTE: 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 value & calculator

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Key benefits of the Bilt Mastercard

Here are the main benefits of the Bilt Mastercard:

  • Pay Rent With No Fee: Earn points on rent and get rewarded without the transaction fee. Pay for rent directly with the card or pay with your card through the Bilt app.
  • Neighborhood Benefits: Enjoy bonus rewards and perks in the neighborhood, and feel like a VIP at your favorite spots with access to benefits at local restaurants, fitness studios, on rideshare, and more.
  • Build Your Status: Points earned with the Bilt Mastercard will count towards your Bilt Rewards status which opens up exclusive travel transfer bonuses, early access to experiences, and other loyalty program status matches.
  • Travel & Purchase Coverage: Trip Cancellation & Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, Cellular Telephone Protection, and Purchase Security.

Bilt Mastercard transfer partners & calculator

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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, so you will not be penalized on non-U.S. dollar purchases. That makes this card a fantastic option for international travel — especially with the elevated earning rates on travel and dining.