Earn points on rent with no fees
Renters who want to earn valuable travel points on their biggest monthly expense.
Bilt built its reputation on a single insight that no other card matched: your rent is probably your largest monthly expense, and every other rewards card makes you pay a processing fee to earn points on it — effectively wiping out any reward. Bilt eliminates that fee entirely. On the current Bilt Blue Card (the $0-annual-fee option from the February 2026 Bilt 2.0 relaunch), you can earn up to 1.25 points per dollar on housing payments — rent or mortgage — with no fee layered on top.
What you do with those points is where Bilt really separates itself from the pack. The program transfers to 23 airline and hotel partners at a 1:1 ratio, including World of Hyatt, United MileagePlus, Air Canada Aeroplan, and American Airlines — all programs where points can be worth 1.5 to 2+ cents each when used strategically. That means a month's rent can quietly become a business class flight segment over time. There's also a uniquely on-brand redemption: use your points toward a down payment on a home.
The Rent Day promotion sweetens the deal: on the 1st of every month, every non-housing purchase earns double points (up to 1,000 bonus points per month). Recurring bills, groceries, coffee — anything you charge on the 1st gets 2x. It's a low-effort way to accelerate earning.
This card is ideal for renters in their 20s and 30s who live in apartments, already pay rent digitally, and want to turn an unavoidable expense into travel currency. It's especially strong if you have a Hyatt or United loyalty preference.
Skip it if you own your home without a mortgage, prefer simple cash back, or aren't willing to route rent payments through Bilt's platform. The ongoing APR (26.74%–34.74% after the intro period) is punishing if you carry a balance. The closest alternative is the Chase Sapphire Preferred for everyday travel rewards, but it earns nothing on rent — which is the whole point of Bilt.
NOTE: The original Wells Fargo Bilt Mastercard is no longer available to new applicants as of February 2026. Bilt launched Bilt Card 2.0 in February 2026 — a suite of three cards: Bilt Blue ($0 AF), Bilt Obsidian ($95 AF), and Bilt Palladium ($495 AF). The Bilt Blue Card is the no-annual-fee successor. Under the original card's rules, cardholders had to make at least 5 transactions per statement period to earn points on rent and purchases; the Bilt 2.0 cards replace this with a minimum spend ratio system. Must use card for housing payments through the Bilt app or website to earn points on rent. Earning rate on housing scales with your Everyday Spend Ratio (non-housing spend relative to housing payments).
Cashback Match — all cash back doubled at end of year 1
Annual Fee: $0
175,000 Membership Rewards points
Annual Fee: $895
150,000 bonus points (limited time)
Annual Fee: $795
Cashback Match end of first year
Annual Fee: $0
$150 cash back (15,000 points)
Annual Fee: $0
No welcome bonus
Annual Fee: $0 first year, then $99
Miles Match — all miles doubled at end of year 1
Annual Fee: $0
100,000 Membership Rewards points
Annual Fee: $325
80,000 bonus miles
Annual Fee: $0 intro first year, then $150
70,000 bonus miles
Annual Fee: $0 intro first year, then $150
75,000 American Airlines miles
Annual Fee: $0 intro first year, then $99
80,000 Hilton Honors points
Annual Fee: $0
130,000 Hilton Honors points
Annual Fee: $150
175,000 IHG One Rewards points
Annual Fee: $99
200,000 Membership Rewards points
Annual Fee: $375
Cashback Match at end of first year
Annual Fee: $0
300,000 Membership Rewards points
Annual Fee: $895