Bilt Rewards MastercardBilt Mastercard
Issued by Wells Fargo
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 3x on Dining.
- Annual fee: No annual fee.
- Who should skip: people chasing premium perks, lounge access, or outsized transfer-partner upside.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Maximize Your Bilt Rewards Points
Expert tips to get the most value from this program
Program Overview
Bilt Rewards is unique as the only program that lets you earn points on rent payments with no fees. Points transfer 1:1 to major airline and hotel partners, making it a strong transferable currency. Key strengths: - Earn points on rent with no transaction fees (up to 100,000 pts/yr on the Bilt Mastercard) - 1:1 transfers to Hyatt, AA, United, Turkish, Air Canada, and more - Bilt dining and neighborhood rewards earn bonus points - Points toward a future home down payment (unique feature) - Bilt Rent Day (1st of every month): Double points on non-rent transactions - Alliance with Hyatt for direct status matching pathway
Earning Tips
Earning strategy: Bilt Mastercard: - 1x on rent (up to 100,000 pts/yr, no fees) - 3x on dining - 2x on travel - 1x on everything else - Must make 5 transactions/month to earn points (easy with small purchases) Bilt Rent Day (1st of each month): - Double points on all non-rent transactions - Stack all non-rent spending on Rent Day for 2x-6x earning - Dining becomes 6x, travel 4x, everything else 2x Key tips: - Even if your landlord isn't in the Bilt network, you can still pay rent via Bilt - The 5-transaction minimum is easy; buy 5 small items on the 1st - Concentrate large purchases on Rent Day for double earning - Bilt neighborhood rewards: Extra points at local restaurants in your area - Home down payment: Can use up to 100,000 pts toward a future home purchase at 1.5 cpp
Redemption Tips
Best redemption values: Hyatt (consistently best value): - Category 1-4 hotels at 5,000-15,000 pts/night - All-inclusive Hyatt Ziva/Zilara: 25,000 pts for $500+ rooms - Park Hyatt luxury stays at 25,000-40,000 pts/night Turkish Miles & Smiles: - 7,500 miles domestic one-way - Stack rent earning + Turkish transfer for essentially free domestic flights American Airlines: - Web specials starting at 5,000-7,500 miles one-way domestic - Oneworld partner awards for international business class Alaska Mileage Plan: - Partner chart has unique sweet spots - 70,000 miles for Cathay Pacific business class to Asia one-way Home down payment: - 100,000 pts max at 1.5 cpp = $1,500 toward a home - Unique option, but transfer to travel partners usually yields more value Avoid: - Amazon or gift card redemptions - Using points for home purchase if you can get better value from travel transfers
Transfer Strategy
Transfer partners (all 1:1): Airlines: - American Airlines AAdvantage: Oneworld sweet spots - United MileagePlus: Star Alliance options - Turkish Miles & Smiles: Best domestic award chart - Air Canada Aeroplan: Star Alliance with stopovers - Air France/KLM Flying Blue: Promo awards to Europe - Alaska Mileage Plan: Excellent partner award chart - Emirates Skywards: Premium Emirates cabins - Cathay Pacific Asia Miles: Asia-Pacific premium routes Hotels: - World of Hyatt: Best hotel transfer value, consistently 2+ cpp - IHG One Rewards: Good for high-category IHG properties Strategy tips: - Hyatt is the standout hotel partner (same as Chase UR) - Turkish at 1:1 is excellent for cheap domestic awards - American Airlines for oneworld flights is solid - Alaska Mileage Plan has a uniquely flexible partner chart - Don't transfer to Emirates unless booking Emirates metal
Bilt Rewards Program
Based on 10,000 points transferred
Compare This Card
See how the Bilt Mastercard stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Related guide: Bilt Blue vs Obsidian vs Palladium (2026): Which Bilt Card Is Best?
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the Bilt Mastercard?
- The Bilt Mastercard has no annual fee.
- What is the best category to use the Bilt Mastercard for?
- The Bilt Mastercard earns 3x on Dining, making it the strongest earning category for this card.
- Does the Bilt Mastercard charge foreign transaction fees?
- No, the Bilt Mastercard does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are Bilt Rewards points worth?
- Bilt Rewards points are worth approximately 1.50¢ per point on average, with premium redemptions reaching up to 2.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the Bilt Mastercard?
Apply now and track your rewards, credits, and signup bonus progress — all in one place
We never share your data. Your privacy is our priority.