Nomadic Matt's Bilt Mastercard being held up in front of a white wall
Posted: 8/31/2023 | August thirty first, 2023

Bilt is considered one of my favourite journey bank cards. Whereas I’ve a handful of others in my pockets, Bilt is my go-to for many of my day-to-day spending.

Plus, Bilt continues to be the one bank card that permits you to earn factors on lease completely without spending a dime — no charges, tips, or gimmicks. You simply pay your lease every month and earn factors you need to use without spending a dime journey.

I’ve already written an in-depth evaluate of the Bilt card and highlighted important issues to find out about it, but there are nonetheless plenty of misconceptions. I get emails about it each week.

So, at the moment I wished to take the chance to reply some steadily requested questions on Bilt. Hopefully, this can clear up any confusion you might need — and persuade you enroll and begin incomes your individual factors at the moment!


Why is Bilt my present favourite journey bank card?

Bilt is the one bank card that permits you to earn factors on lease — as much as 100,000 per 12 months. That is completely free too; there isn’t a annual price. When you dwell within the US and lease (particularly in expensive cities like NYC or SF), it’s a no-brainer.

Another excuse I really like Bilt is as a result of it’s the one non–American Airways card that transfers to American Airways. That is nice information for frequent AA fliers or vacationers with particular upcoming journeys for which they wish to use AA factors.

For instance, this 12 months, for my birthday, I flew to Japan on JAL in firstclass (considered one of my favourite first-class experiences) by optimizing my spending to amass plenty of Bilt factors. AA is a associate with Japan Airways, so I may switch my Bilt factors to AA, after which use these for a seat on a flight operated by JAL.

Lastly, Bilt makes it straightforward to earn factors, with 3x on eating, 2x on journey, 5x on Lyft, and double these figures on all classes (besides lease and Lyft) on the primary of the month (aka Lease Day). Plus, you’ll get the factors on a rolling foundation, so that you don’t have to attend till your assertion closes to make use of them.

Simply word that you could make 5 purchases monthly (with no minimal spending requirement) to earn factors.

In abstract, Bilt has plenty of stable bonuses. However the principle draw is incomes factors on lease. When you aren’t doing that, you’re actually leaving cash on the desk.

How do you earn factors paying lease with Bilt?

When you open a Bilt Mastercard®, you merely go to the Bilt app or web site to arrange your recurring month-to-month rental funds.

First, you’ll arrange a Bilt Lease Account with Wells Fargo (the financial institution behind Bilt). This distinctive checking account is principally a authorized “dummy” account created as a workaround for bank card processing charges. You don’t use it for anything (you don’t withdraw cash from it or deposit into it).

At any time when these distinctive routing and account numbers are used to pay lease (whether or not you utilize a web-based portal, Venmo, or PayPal), your Bilt Mastercard® is charged for a similar quantity. You then repay the steadiness every month (in full!) by connecting it to your normal checking account, as you’d some other bank card.

In case your landlord solely accepts checks, you may nonetheless pay along with your Bilt card by the Bilt Rewards app, and Bilt will ship a test in your behalf.

My rental cost portal prices a processing price for paying by bank card. Will I get charged a price for utilizing Bilt to pay my lease?

Nope! With a Bilt Lease Account (see above), you’re technically paying your lease with a checking account, not a bank card. So that you received’t incur any charges!

What’s the annual price for Bilt?

There may be NO annual price, which is a part of what makes Bilt so superior!

What are the very best switch companions for Bilt?

My favourite switch associate is American Airways, as a result of apart from AA bank cards, that is the one solution to earn AA factors.

You can even switch factors 1:1 to 14 journey companions:

  • American Airways
  • AerClub (Aer Lingus)
  • Aeroplan (Air Canada)
  • British Airways
  • Cathay Pacific
  • Emirates
  • Flying Blue (Air France/KLM)
  • Hawaiian Airways
  • Iberia
  • Turkish Airways
  • United
  • Virgin Atlantic
  • World of Hyatt
  • IHG (Intercontinental Motels Group)

It’s straightforward to seek out the very best use of your Bilt factors when reserving flights, because it integrates immediately with, the points-booking search engine (be taught extra about in my evaluate). Simply put your required vacation spot into the app’s journey portal, and the search operate will show all of the flights that you might guide with Bilt factors.

When you’ve selected an choice, you may switch your Bilt factors to the required journey associate proper inside the app.

What’s Lease Day?

Lease Day is the primary day of the month (when lease is normally due). On today, Bilt gives double factors for the principle spending classes, which means that you just’ll earn 6x on eating, 4x on journey, and 2x on different purchases (besides lease) made on the primary of the month. That is my favourite solution to simply rack up Bilt factors.

There are much more bonuses on Lease Day within the Bilt app, the place you may play varied video games to be able to earn factors. For instance, in Level Quest, a mainstay of the Lease Day extravaganza, you may earn factors for proper solutions to (fairly straightforward) trivia questions.

There’s additionally a Lease Day Problem that adjustments each month, during which you full a problem for an opportunity that Bilt can pay your lease for one month. Previous challenges have included a fill-in-the-blank problem and a picture search (discover Bilt blocks inside a picture).

Does Bilt work if I pay a mortgage as an alternative of renting?

No. You presently can’t get factors in your mortgage, solely lease funds.

Nevertheless, even owners would possibly wish to contemplate getting the Bilt card for the plethora of different advantages. It’s undoubtedly the very best no-fee journey bank card on the market, no matter whether or not you’re utilizing the points-for-rent characteristic or not. The convenience of incomes factors which can be transferable to a variety of journey companions, lease day advantages (accessible to all cardholders), free entry (a instrument for locating award flights), and stable journey insurance coverage make it arduous to beat.

What credit score rating is required for Bilt?

The really helpful credit score rating to use for Bilt is within the good to wonderful vary (670-850), although this isn’t a hard-and-fast rule. Different elements in your credit score historical past could come into play when your utility is evaluated.

How do you apply for a Bilt bank card?

Merely click on this hyperlink to use! For many candidates, it takes simply a few minutes to obtain a response. Remember the fact that it is a arduous inquiry in your credit score, which means that it would trigger a brief dip in your rating.

Can I exploit Bilt with out the bank card?

When you dwell in a Bilt Alliance property (properties with an official partnership with Bilt), you received’t want the Bilt Mastercard to earn factors in your lease. Nevertheless, even in case you dwell in considered one of these properties, I nonetheless suppose it’s effectively price it for all the opposite methods to earn much more!

Is Bilt price it?

Sure! Contemplating there’s no price and solely factors to realize, Bilt is totally price having in your pockets.


Bilt is a must have for anybody who rents within the US — however particularly vacationers. I actually can’t advocate it sufficient. As the one card that allows you to earn factors from paying lease, and because the solely non-American Airways card that allows you to earn AA factors, it’s my favourite for a motive.

Don’t depart cash on the desk — get your Bilt card at the moment!


E book Your Journey: Logistical Suggestions and Methods

E book Your Flight
Discover a low cost flight through the use of Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you at all times know no stone is being left unturned.

E book Your Lodging
You possibly can guide your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use because it persistently returns the most affordable charges for guesthouses and inns.

Don’t Overlook Journey Insurance coverage
Journey insurance coverage will shield you in opposition to sickness, harm, theft, and cancellations. It’s complete safety in case something goes fallacious. I by no means go on a visit with out it as I’ve had to make use of it many occasions prior to now. My favourite corporations that provide the very best service and worth are:

Wish to Journey for Free?
Journey bank cards help you earn factors that may be redeemed without spending a dime flights and lodging — all with none further spending. Try my information to choosing the right card and my present favorites to get began and see the newest finest offers.

Able to E book Your Journey?
Try my useful resource web page for the very best corporations to make use of while you journey. I record all those I exploit once I journey. They’re the very best in school and you’ll’t go fallacious utilizing them in your journey.



No responses yet

Leave a Reply

Your email address will not be published. Required fields are marked *