Best For
Rewards Rate - Points
- 3x Dining and Lyft rides (requires 5 transactions per month)
- 2x Travel purchases
- 1x Rent payments (up to 100,000 points per year)
- 1x All other purchases
- Intro offer
- Up to 100,000 points on rent in a calendar year
- Annual fee
- $0
- Regular APR
- 19.24 – 29.24 Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Cell Phone Protection, Rental Car Insurance, Travel Insurance
Highlights
- Earn points on rent with no transaction fee when you pay through the Bilt app (caps and terms apply).
- Make at least five transactions per statement period to earn points on rent and purchases.
- Rent Day® promotions on the first of each month often boost earning in select categories.
- BiltProtect lets you pay rent from a linked bank account while still earning points.
- No foreign transaction fees and transferable points to major airline/hotel partners.
Who is this card good for?
- Renters who want to turn a major expense into travel points.
- Users disciplined enough to meet the five‑transaction rule monthly.
- Travelers who value flexible transfer partners over fixed cash back.
- Anyone seeking a $0‑fee travel starter card with unique rent features.
Pointalize Opinion
Pros
- Unique ability to earn on rent without a processing fee (via the app).
- Strong transfer partners and recurring monthly promotions.
- No foreign transaction fees.
Cons
- Miss the five‑transaction requirement and you forfeit most earnings.
- Terms and partner line‑ups can change; read the fine print.
Pointalize Final Thoughts
If you rent, Bilt is in a category of one—turning rent into points without fees when you play by the rules. With quality partners and monthly Rent Day boosts, it’s a compelling keeper.