⭐ Editor's Choice — Top Rated Pick

Bilt Mastercard® (Wells Fargo)

📍 Available in: US
★★★★★ 4.9 / 5.0

The Bilt World Elite Mastercard solves the single largest unrewarded expense in a renter’s budget: monthly rent. While credit card processors normally charge a 2.5% to 3.0% fee to pay rent by card, Bilt generates a dedicated routing and account number (or mails a physical check on your behalf) so you earn 1x Bilt Points on rent up to 100,000 points per calendar year with $0 transaction fees—provided you make at least 5 total card transactions per statement period. Even better, Bilt Points transfer 1:1 to World of Hyatt, Alaska Airlines, United MileagePlus, and Air Canada Aeroplan for a $0 annual fee.

Key Facts at a Glance

Cost / Fee Structure$0
APR / Rate20.49% - 28.49% Variable
Sign-Up Bonus / MatchRent Day® 2x Points Bonus (No Upfront Spend Bonus)
Credit / EligibilityGood to Excellent (680+ FICO)

Pros & Cons

✓ Pros

  • ✓Paying $2,500/month in rent generates 30,000 Bilt Points/year—worth ~$600+ when transferred 1:1 to World of Hyatt—for a $0 annual fee
  • ✓The only $0-annual-fee card in the U.S. with direct 1:1 airline and hotel transfer partners (normally requires a $95+ card)
  • ✓Rent Day® (1st of every month) doubles non-rent multipliers to 6x on dining, 4x on travel, and 2x on general spend (up to 1,000 bonus pts/mo)

✕ Cons

  • ✕Requires at least 5 total transactions per statement period to earn points (otherwise you earn a flat 250 points on rent)
  • ✕No traditional 60,000-point upfront welcome bonus

Key Features

1x Points on Rent Payments with $0 Transaction Fee (Up to 100,000 Pts/Year)3x Points on Dining & 2x Points on Travel (Doubled to 6x/4x on the 1st of Every Month)1:1 Point Transfers to World of Hyatt, Alaska Airlines, United & British Airways$0 Annual Fee & 0% Foreign Transaction FeesTrip Cancellation/Delay Protection + $800 Cell Phone Protection

The Rent Rewards Math: Why Renters Need the Bilt Card

For decades, paying rent with a credit card was a losing mathematical proposition: property portals charge a 2.5% to 3.0% processing fee, which wipes out the rewards of a 2% card. Bilt bypasses the credit card rails by issuing you a unique ACH routing and account number inside the Bilt app (or mailing a paper check to an independent landlord) while billing your Bilt Mastercard behind the scenes with $0 fee.

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Annual Return Simulation on a $2,500/Month Apartment

- Annual Rent Paid: $30,000 → 30,000 Bilt Points - Monthly Dining ($400/mo at 3x): $4,800 → 14,400 Bilt Points - Total Annual Points: 44,400 Points - Value Transferred 1:1 to World of Hyatt (~2.0¢/pt): ~$888/year in free hotel nights for a $0 annual fee.

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The 5-Transaction Rule You Must Not Forget

You must use your Bilt Mastercard at least 5 times each statement period (including your rent payment plus 4 other purchases of any size—even four $2 coffees or automated recurring subscriptions). If you only swipe the card for rent and nothing else that month, Bilt caps your rent earnings at a flat 250 points.

Ready to Get Started?

Click below to visit Bilt Mastercard® (Wells Fargo)'s official website and review current terms directly.

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