I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.
If you rent where you live and that rent is at all significant (it’s the biggest single expense for most), getting the Bilt Mastercard is an absolute no brainer to consider.
That’s because you earn points paying rent with the card. If you don’t live in a Bilt-affiliate building that’s fine, they charge your credit card and pay your landlord. You can earn up to 100,000 points a year this way, which would cost you $2,850 if you used Plastiq to accomplish the same thing. And it’s a no annual fee card.
You’re losing up to 8,333 points per month if you rent and do not have a Bilt Mastercard. This card offers something literally no other card does and it can mean a huge difference in your points balance as long as you use the card 5 times each statement period to be eligible to earn points.
It’s also a great starter card, which earns 3 points per dollar on dining and 2 points per dollar on travel, and they’re the only loyalty program transferring to more than one of American, United, and Delta. You must make at least 5 purchases each statement period to earn points. Their transfer partners are:
- Star Alliance: Air Canada Aeroplan, Turkish Miles & Smiles, United Airlines MileagePlus
- oneworld: American AAdvantage, Cathay Pacific Asia Miles
- SkyTeam: Air France KLM Flying Blue
- Non-alliance: Emirates Skywards, Virgin Atlantic Flying Club, Hawaiian Airlines HawaiianMiles
- Hotels: Hyatt, IHG Rewards
It’s even a good looking card, with a functional app, and they even give you free points for linking your airline and hotel accounts to the program.
And since the card is now from Wells Fargo, you’re not even dipping into the usual Chase, American Express or Citibank ecosystem to get it. Wells finally has a really attractive travel card that competes in a strong way with the best offerings from other banks – with the unique add of earning points for rent without a fee to do so.