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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
$0
Bilt World Elite Mastercard® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.
Of course, aside from rewards on rent, there are many other solid benefits that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt card has to offer to help you decide whether the card makes sense for you.
Card Snapshot
Welcome Bonus & Info
$0 annual card fee
1X points on rent payments with no transaction fee (up to $100,000 in rent payments every calendar year) and non-bonus purchases
2X points on travel (when booked directly with an airline, hotel, car rental or cruise company)
3X points on dining
Use the card 5 times each statement period to earn points
3x points per $1 at restaurants including eligible delivery
2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year
No foreign transaction fee
Access to airline transfer partners
Cons
Does not offer a welcome bonus
Must use the card 5 times each statement period to earn points
Great Card If
You want to earn rewards on your rent with no additional transaction fees
You want a card that earns transferable rewards
You want a card with no transaction fees (rates & fees)
Don’t Get If
You’re not a renter
You want a card that offers premium travel benefits
Bilt Card — Is It Worth It?
If you’re a renter, the Bilt card can definitely be worth your while, especially for those who live in cities with high rent prices.
After all, the card is the first of its kind that will let you earn credit card rewards on your rent without paying any sort of transaction fee, so you’ll never need to choose between earning rewards and saving money again.
Further, if you’re interested in travel rewards, then the Bilt card is a fantastic option.
Bilt Card Top Benefits
Rewards on Rent With No Additional Transaction Fee
By far the top benefit of the Bilt card is that it allows you to pay rent using a credit card without any sort of a transaction fee, and earn credit card rewards in the process.
You might be wondering, “How is this a benefit when I can already pay my rent with a credit card?” Usually, paying your rent with a credit card will come with a 2% to 3% fee added on. On a $1,500 rent payment, this fee adds $30 to $45 to your bill.
With the Bilt card, you still earn credit card rewards without needing to pay any sort of transaction fee.
Is your apartment building or landlord not part of the Bilt Rewards Alliance network? No problem! Bilt Rewards will issue a check to the landlord when rent payments are made through the app, so anyone can earn rewards on rent with the Bilt card.
Card Protections
For a no-annual-fee credit card, the Bilt card offers some pretty excellent card protections. Here is a quick breakdown of each:
Cellular Telephone Protection — Pay your monthly cell phone bill with your Bilt card and you’ll get up to $800 of protection (subject to a $25 deductible) against covered damage or theft.
Auto Rental Collision Damage Waiver — Receive coverage for damages due to collision or theft for most rental cars when you pay for the rental car with the Bilt card.
Purchase Protection — Items purchased with your card receive coverage towards theft or damage within the first 90 days from the date of purchase, up to $10,000 per claim.
Trip Delay Reimbursement — If your flight is delayed by more than 6 hours due to a covered reason like weather delays, you can receive up to $200 in coverage per person, and up to a maximum amount of $1,800 for all covered persons on the same trip, towards expenses like meals and lodging.
Trip Cancellation and Interruption Insurance — Provides up to $5,000 in coverage of non-refundable fare if your trip is interrupted or canceled for a covered reason, like a health issue, when your pay with your Bilt card.
Best Ways To Earn and Redeem Your Bilt Rewards Points
Unsurprisingly, the best way to earn Bilt Rewards points is by using your Bilt card for all of your purchases, especially those that fall within one of the card’s bonus categories of rent, travel, and dining. However, keep in mind that you need to use the card 5 times each statement period to earn points — though this should be easy for most.
When it comes to redeeming points, Bilt Rewards offers several options, such as fitness classes, art pieces in The Bilt Collection, and rent credit at a rate of 0.55 cents per point. That said, if you want to get the best value possible, your best option is to redeem your points through one of the Bilt Rewards transfer partners.
Bilt Rewards offers a great list of airline and hotel transfer partners, including Air Canada Aeroplan, American Airlines AAdvantage, Turkish Miles & Smiles, and World of Hyatt, that allow you to transfer your Bilt Rewards points at a 1:1 rate to redeem them for luxurious vacations.
Alternative Cards to the Bilt Card
Chase Sapphire Preferred® Card
If you’re looking for an all-around travel rewards card, then the Chase Sapphire Preferred card is likely to be a top option for you.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Travel portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
The card earns 5x points per $1 on travel purchased through Ultimate Rewards, 3x points per $1 on dining, online grocery purchases, and select streaming services, and 2x points per $1 on all other travel purchases.
Plus, Chase Ultimate Rewards points are some of the most valuable credit card rewards points on the market thanks to their flexibility and transferability to great transfer partners like Air Canada and World of Hyatt.
Chase Freedom Unlimited®
If you’re looking for a no-annual-fee card that is great at earning cash-back rewards, then the Freedom Unlimited card is worthy of consideration.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
It earns 5% back on travel purchased through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
Frequently Asked Questions
Is the Bilt card good for renters?
Yes, the Bilt card is a great option for renters since it lets you earn credit card rewards on rent without paying a transaction fee.
Does the Bilt card have an annual fee?
No, the Bilt card does not have an annual fee, nor does it have any foreign transaction fees.
How do rent payments work with the Bilt card?
When you pay your rent with the Bilt card, Bilt Rewards will make an ACH payment or send a check to your landlord on your behalf and put your rent amount on your credit card statement. This allows all renters to earn rewards on their rent payments through Bilt Rewards.
Is the Bilt card worth it?
If you’re a renter, and you’re looking for a card that offers travel rewards without any transaction fees or annual fees, then the Bilt card would likely be worth it for you.
Does the Bilt card work for mortgages?
Unfortunately, no. The Bilt card is designed specifically for renters and does not offer any sort of transaction fee-free rewards for mortgage payments.
What are the Bilt transfer partners?
Bilt Rewards has an impressive list of transfer partners, including:
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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