Bilt Mastercard®Review 2023 – Charges, Benefits, and Ways to Earn the Bilt Mastercard

Bilt Mastercard®Review 2023 – Charges, Benefits, and Ways to Earn the Bilt Mastercard

If you are tired of spending money on rent without making any profit, then here we have a better option for you, through which you can earn more rewards, even when paying your rent. So, in this article, we bring all the information about this card. Stay tuned with us for all the essential information about the Bilt Mastercard. 

Overview of Bilt Mastercard:

The Bilt Rewards credit card helps you to earn credit card rewards for paying the rent, including some of the important limitations, and you can also earn points by purchasing some of the things. The card offers different points based on the usage of the cardholder.

For instance, if the cardholder pays the rent, then they will earn $1 point. If they spend the money on any traveling, then they will earn $2 points; $ 3 points on dining, and $1 points on all the other purchases.  Not only that, but the card also offers some interest on the points balances, compilations, and for its signing bonuses.

The Bilt credit card imparts some additional benefits, that helps their customer to earn the best rewards. Such as it offers elite status, which helps the users, unlock new ways to earn points, like the chances of earning unused points. Not only that, but it also helps the user to transfer their points or rewards to any of the airlines, or travel. Such offers are only given by selected cards and, it does not charge any annual fees.

Note: Bilt Mastercard, is not helpful to all people, it is useless for those who don’t want to pay the rent.

Advantages and Drawbacks of the Bilt Mastercard:

Advantages of Bilt Mastercard:

  1. Users can earn rewards based on the rent they paid.
  2. It does not charge any annual fees.
  3. It also offers primary car and cell phone insurance.
  4. The points are easily going to transfer into their partner’s accounts.

Drawbacks of Bilt Mastercard:

  1. The user needs to submit proof of five card transactions per month if they want to earn the rewards.
  2. No welcome bonuses are given by the Bilt Mastercards.
  3. The APR ranges are high.
  4. The rewards given by Bilt Mastercards are comparatively lower than that of the other cards. 

So these are the merits, and demerits of the Bilt Mastercards.

Now, let’s see some of the highlights of the Bilt Mastercard:

Highlights of Bilt Mastercard:

  1. The user can only earn the rewards if they make five transactions per month.
  2. It doesn’t charge any annual fees.
  3. It offers 1X points on the rent payment.
  4. Provides 2X points on travels and 3X points on dining.
  5. It imparts the plus 1X points on all the other purchases.
  6. It doesn’t charge any foreign transaction fees.
  7. They have various rewards and benefits regarding terms and conditions.

Perks and Benefits of Bilt Mastercard:

The card offers many perks, and benefits to its user, such as;

  1. When the cardholder, pays any of his cell phone bills, by using this card, then they get the protection of up to $800 per incident, $1000 per year, and also $500 is deducted from their annual bill.
  2. The Bilt Mastercard offers protection against all the theft and damages of your purchasing items, within 90 days.
  3. The cardholder gets the concierge services.
  4. One of the major benefits of the Bilt Mastercard, that is they can pay their rental fees by using the card’s balance.

So, these are a few benefits offered by the Bilt Mastercards, to their users.

Fees and Interest Rate structure of the Bilt Mastercard:

Here we have the fees and interest rate structures of the Bilt Mastercards>

  • The regular APR rate is based on the terms and conditions of the Bilt Mastercards.
  • The Balance transfer fees are 5% on each balance transfer. 
  • No annual fees are charged by this card.
  • The amount of cash in advances is either 5%, or $10, whichever is higher.
  • The Bilt Mastercard is not charging any foreign purchase transaction fees.

So, these are the structural framework of the Bilt Mastercards, which everyone must know about.

Bilt Mastercard Stacks Up:

  • Bilt World Elite Mastercard vs. Chase Freedom Flex:

With the help of Chase Freedom Flex, you can earn 5% cash back on up to $1500 by using a variety of the forms, such as 5% on travel if the user has used the chase ultimate rewards, 3% on dining and drugstores, and 1% on all the other purchase types. This card is a far better option than the Bilt card.

The Freedom Flex also offers a welcome bonus of $200 once the user spends $500 within three months of purchasing the card.

  • Bilt World Elite Mastercard vs. Citi Double Cash Card:

The Citi Double Cash Card helps users to earn 2% cash back on all purchases, i.e (1% on the purchase and the remaining 1% when they pay for those purchased.) Those who want to avoid the complicated earning system of Bilt Mastercards can go for Citi Double Cash Card.

But the thing is, both cards offer a strong beneficial point, for instance, the Bilt Mastercard rewards offers World Mastercard Elite benefits, while the Citi Double Cash offers a 0% APR as their transferring balance, and that too for 18 months. Not only that, but the rates and fee structures of the Citi Double Cash Card completely vary, and are less than that of the Bilt Mastercard.

  • Bilt World Elite Mastercard vs. Amazon Prime Rewards Visa Signature Card:

Amazon Prime Rewards cards are especially for those people who are fond of shopping, as this card offers a lot of benefits to those people, and mostly to those who are buying their products from Amazon. Com and from the Whole Food Market.  

Amazon Prime Rewards also gives certain welcoming offers, and gift cards too on many shoppings. In addition to that, it includes a range of other benefits and perks like travel accident insurance, baggage delay, loss coverages, and much more, which are not offered by the Bilt Mastercard.

Ways to Earn the Bilt Mastercard:

The Bilt Mastercard is useful for both, rent and non-rent expenses. It automatically helps their cardholders to earn points with the help of the Bilt Mastercard rewards program. It is completely free to join, and the users can earn 250 points per rent payment.

But always remember that the non-cardholders only earn the Bilt Mastercard points, if they have their apartments within the Bilt Rewards Alliances. The network of Bilt Mastercard covers more than 2 Million apartments from prominent management companies, such as Windsor Communities, Morgan Properties, and Starwood Capital Group.

With the help of Bilt Mastercard, the cardholder can rapidly increase their earning potential. Not only that, but they also get an opportunity to earn 1X points on all rental payments, which is up to 50,000 per year; if you don’t have access to this card, then there are some limits to earning the points, and you could be 250 per month or 3000 points per year.

Now, let’s see four different options which are provided by the Bilt Mastercard:

Status tier Qualification Benefits
Blue Enroll in Bilt Rewards
  • 1:1 point transfers to travel partners
  • Access to the Bilt Collection
  • Build credit history with on-time rent payments
Silver Earn 25,000 points in a calendar year
  • All Blue benefits
  • 10% bonus points from new leases/renewals
  • Earn interest on eligible points balance
Gold Earn 50,000 points in a calendar year
  • All Silver benefits
  • 25% bonus points from new leases/renewals
  • Homeownership concierge
Platinum Earn 100,000 points in a calendar year
  • All Gold benefits
  • 50% bonus points from new leases/renewals
  • Gift from the collection


Ways to Maximize Your Redemptions Points:

Bilt Mastercard offers various options, through which you can easily redeem your points, such as;

  • Transferring points to the travel partners.
  • Travel Portal Redemptions.
  • Paying rents.
  • Down payment benefits for the home.
  • Fitness classes offer from the Y7 studios, SoulCycle, Solidcore, and Rumble Boxing.
  • Home decor items, etc.

Reviews of Bilt Mastercard Holders:

The Bilt Mastercard gets 4 rating stars out of 5 as it offers many better options to their customer, and customers are also satisfied with their offerings. 

we also have discussed earlier, it also offers several insurance benefits like the primary and personal car benefits, and most importantly, it offers rental payment benefits, which are highly attractive to the cardholder, so they prefer the Bilt Mastercards to earn the additional cashbacks, and rewards. 


The Bilt Master Card is one of the best options for those who want to earn some additional points by paying their rent, but it also has some of its limitation, which is mentioned in the terms and conditions of the Bilt Master Card.

The rental payment services, which are offered by the Bilt Mastercard, are very rarely offered by the credit cards. The cardholder is very satisfied with their services, and also gives a 4 rating star to this card service. 

So, in this article, we have discussed many essential things about the Bilt Mastercard, which helps people, get more information about the Bilt Mastercards, and its related benefits and perks.

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