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With no annual fee and valuable travel and lifestyle benefits, it’s an innovative solution for anyone looking to maximize their everyday spending while building credit.
Disclaimer: You will be redirected to the official website.
Benefits of the Bilt Mastercard®
- Rent Rewards: Earn 1 point per $1 on rent payments (up to 100,000 points annually) with no fees for landlords.
- Bonus Categories:
- 3x points on dining.
- 2x points on travel.
- 1x point on all other purchases.
- No Annual Fee: Enjoy rewards and perks without a yearly cost.
- Flexible Redemption Options: Redeem points for rent credits, travel, fitness classes, or even a home down payment.
- Credit Building: On-time rent payments are reported to credit bureaus to help improve your credit score.
- Travel Perks: Transfer points 1:1 to loyalty programs like American Airlines AAdvantage®, United MileagePlus®, and World of Hyatt®.
- World Elite Mastercard Benefits: Includes cell phone protection, extended warranties, and exclusive lifestyle perks.
- No Foreign Transaction Fees: Spend freely abroad without additional charges.
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Pros
- Earn rewards on rent, one of life’s largest expenses.
- No annual fee, maximizing rewards without added costs.
- Valuable bonus categories for dining and travel.
- Transfer points to premium travel partners for high-value redemptions.
- Reports on-time rent payments to credit bureaus to build credit.
Cons
- No welcome bonus, unlike many other rewards cards.
- Rewards on rent payments are capped at 100,000 points annually.
- Rent payments must be made through the Bilt Rewards App.
- Lacks travel insurance or other premium travel protections.
about the card
The Bilt Mastercard®, issued by Wells Fargo, stands out as the first credit card to let renters earn rewards on their rent payments without incurring fees. This feature alone makes it revolutionary, as rent is often one of the largest monthly expenses. The card also shines in its bonus categories, offering competitive rewards for dining and travel purchases, making it a versatile choice for frequent travelers and food enthusiasts.
With no annual fee, this card provides an affordable way to earn valuable rewards, including the option to transfer points to major travel partners or apply them toward a future home down payment. Additionally, renters can build credit through on-time rent payments reported to all three major credit bureaus.
While it lacks a welcome bonus and requires rent payments to go through the Bilt Rewards App, its unique benefits and flexibility make it an excellent choice for renters who want to make the most of their everyday expenses.
How to Apply for the bild mastercard®
Applying for the Bilt Mastercard® is quick and easy. Follow these steps:
- Check Eligibility
- Be at least 18 years old.
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Maintain a good credit score (typically 670+).
- Visit the Official Website
- Go to the Bilt Rewards website or download the Bilt Rewards App to begin your application.
- Complete the Application
- Provide personal, income, and contact details.
- Submit and Await Approval
- Wells Fargo will review your application and may perform a credit check. Approval is often instant, but some applications may require additional review.
- Activate Your Card
- Once approved, activate your card and link it to the Bilt Rewards App to start earning rewards.
Disclaimer: You will be redirected to the official website.
additional perks for renters
The Bilt Mastercard® offers renters unmatched benefits, including the ability to turn rent payments into rewards and build credit. By processing rent through the Bilt Rewards App, you earn points without incurring extra fees, providing a seamless way to make the most of your largest monthly expense.
Benefits Breakdown
| Benefit | Details |
|---|---|
| Rent Rewards | 1 point per $1 on rent (up to 100,000 points annually). |
| Dining Rewards | 3x points on dining at restaurants. |
| Travel Rewards | 2x points on travel expenses, including flights and hotels. |
| Redemption Options | Points redeemable for rent credits, travel, fitness classes, and more. |
| Credit Building | Reports rent payments to Experian, Equifax, and TransUnion. |
| No Annual Fee | Earn rewards without any yearly cost. |
| World Elite Perks | Includes cell phone protection and extended warranty benefits. |
| No Foreign Fees | Ideal for international travelers with 0% foreign transaction fees. |
SIMPLE REDEMPTION PROCESS
The ease of redeeming points sets the Bilt Mastercard® apart. Whether applying points toward rent or transferring them to travel partners, the redemption process is straightforward and user-friendly. This convenience makes it especially appealing for those who value simplicity in managing their rewards.
How to Improve Your Credit Score to Get Approved for the bilt mastercard®
Building a strong credit profile improves your approval odds for the Bilt Mastercard® and helps you secure a higher credit limit.
Follow these steps:
- Pay Bills On Time: Consistent, timely payments strengthen your payment history, which accounts for 35% of your credit score.
- Monitor Credit Utilization: Keep your utilization rate below 30% of your available credit limit to demonstrate responsible credit use.
- Limit New Applications: Avoid applying for multiple credit cards in a short time to minimize hard inquiries.
- Review Your Credit Reports Regularly: Check for errors and dispute inaccuracies to ensure an accurate credit profile.
- Maintain Older Accounts: Length of credit history positively impacts your score, so keep older accounts open.
By following these strategies, you’ll improve your creditworthiness and boost your chances of approval for the Bilt Mastercard®.
FINAL CONSIDERATIONS
The Bilt Mastercard® is a standout option for renters who want to earn rewards on their largest monthly expense—rent payments. Its innovative approach, coupled with no annual fee and competitive rewards on dining and travel, makes it a versatile and cost-effective card for everyday use.
For renters aiming to build credit, the ability to report on-time rent payments to major credit bureaus adds significant value, providing a seamless way to improve financial health. The card’s flexibility in redeeming points for travel, rent credits, or even a down payment on a home ensures that users can tailor their rewards to their unique financial goals.
While the lack of a welcome bonus may deter some users, the card’s long-term benefits far outweigh this drawback. Its focus on everyday value, combined with premium travel partnerships and no foreign transaction fees, ensures that the Bilt Mastercard® remains competitive in its category.
For renters, travelers, and budget-conscious individuals, this card delivers unparalleled value by turning a necessary expense into rewarding opportunities. If you’re looking for a practical, innovative way to maximize your spending and build credit, the Bilt Mastercard® is a compelling choice.