Bilt Mastercard®
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Rewards
Earn factors while you make 5 transactions that publish every assertion interval – as much as 1x factors on hire funds with out the transaction charge (as much as 100,000 factors every calendar 12 months), 3x factors on eating, 2x factors on journey, and 1x factors on different purchases.
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Welcome bonus
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Annual charge
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Intro APR
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Common APR
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Stability switch charge
Introductory charge of both $5 or 3% of the quantity of every stability switch, whichever is larger, for 120 days from account opening. After that, as much as 5% for every stability switch ($5 minimal).
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International transaction charge
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Credit score wanted
See charges/charges and rewards/advantages; phrases apply.
- No annual charge
- Stable rewards on broad spending classes
- Skill to pay your hire with no charges
- Switch factors to main frequent traveler applications at a 1:1 charge, together with American Airways, United and World of Hyatt®
- No welcome supply
- No introductory 0% APR
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For a no-annual-fee card, the Bilt Rewards Mastercard comes with a shocking quantity of helpful buy and journey protections, together with:
You can too earn Lyft credit score every month together with your Bilt card. By way of March 31, 2024, you’ll be able to earn $5 in Lyft credit score per thirty days after you’re taking three eligible rides. Cardholders obtain as much as $120 in DoorDash credit score annually ($5 off your first two orders every month).
That can assist you benefit from your factors, Bilt Rewards members have complimentary entry to the Level.me and Awayz award search instruments by way of the Bilt app.
Awayz is a lodge award search instrument and Bilt members obtain premium account search advantages, which usually value $11.99 per thirty days. Nevertheless, Bilt members can solely search lodge award availability for Bilt’s switch companions (Hyatt and IHG) and they’re restricted to 50 searches per thirty days (paid premium members get 250 searches per thirty days).
Utilizing Level.me by way of the Bilt app means that you can seek for award costs throughout all 12 of Bilt’s companion airline applications on the similar time. The app shows the fee, however you may have to switch your Bilt factors to the suitable airline to make the reserving.
Incomes
To earn factors together with your Bilt card, you’ll want to make 5 transactions every billing cycle. In the event you qualify, you may earn:
- 3X factors on eating
- 2X factors on journey
- 1X factors on different purchases.
- As much as 1X factors on hire funds with no transaction charge (as much as 100,000 factors every calendar 12 months)
As a part of Bilt’s month-to-month Lease Day promotion, you too can earn double factors on all purchases (aside from hire) on the primary of every month.
One distinctive Bilt Rewards characteristic is the flexibility to earn elite standing, which relies on what number of factors you earn in a 12 months.
This is what number of Bilt factors you want for every standing stage:
- Blue: Enroll in Bilt Rewards
- Silver: Earn 25,000 factors in a 12 months
- Gold: Earn 50,000 factors in a 12 months
- Platinum: Earn 100,000 factors in a 12 months
In the event you hit a standing threshold between Jan. 1 and June 30, your standing expires on Jan. 31 of the next 12 months. While you earn a standing tier between July 1 and Dec. 31, you may have that standing tier by way of the complete following 12 months.
Elite advantages embrace perks akin to incomes curiosity in your factors balances (within the type of extra Bilt factors) and a bonus for brand new leases or renewing your lease. Nevertheless, essentially the most worthwhile profit to having Bilt standing is perhaps the bonuses it may unlock on Lease Day. Lease Day offers change every month, however prior to now, Bilt provided a switch bonus of as much as 150% for its top-tier elite members, which is an exceptional deal.
Redeeming
Bilt presents a spread of redemptions for its members, you’ll be able to redeem Bilt factors for hire, Amazon purchases, health lessons, journey and towards a down fee on a house. While you use Bilt factors to e-book journey by way of Bilt, every level is value 1.25 cents, and factors are value 1.5 cents every while you redeem them for a down fee on a home. The opposite redemption choices are sometimes value one cent per level or much less.
You may maximize the worth of Bilt factors by transferring them to Bilt’s journey companions. You may switch Bilt factors to those loyalty applications at a 1:1 ratio:
- Aer Lingus
- Aeroplan (Air Canada)
- American Airways
- British Airways
- Cathay Pacific
- Emirates
- Flying Blue (Air France and KLM)
- Hawaiian Airways
- Hyatt
- Iberia
- IHG
- Turkish Airways
- United Airways
- Virgin Atlantic
With these switch companions, you’ll be able to unlock unimaginable worth. For instance, you should utilize your factors with Flying Blue’s month-to-month promo rewards which provide rotating offers — akin to round-trip economic system award flights from the U.S. to Europe that sometimes value 25,000 miles or much less. Bilt can also be the one main versatile journey rewards program that transfers to American Airways, making it an important choice for topping off your American Airways account.
The Bilt Mastercard has a $0 annual charge and no international transaction charges. On your card’s APR see the phrases. There’s a late charge of as much as $40, a money advance charge of $10 or 5% of the advance (whichever is nice) and a stability switch charge of as much as 5% of the switch ($5 minimal).
Bilt Rewards Mastercard vs. Citi® Double Money Card
Citi® Double Money Card
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Rewards
2% money again: 1% on all eligible purchases and an extra 1% after you pay your bank card invoice
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Welcome bonus
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Annual charge
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Intro APR
0% for the primary 18 months on stability transfers; N/A for purchases
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Common APR
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Stability switch charge
For stability transfers accomplished inside 4 months of account opening, an intro stability switch charge of three% of every switch ($5 minimal) applies; after that, a stability switch charge of 5% of every switch ($5 minimal) applies
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International transaction charge
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Credit score wanted
Learn our Citi® Double Money Card evaluate.
- 2% money again on all eligible purchases
- Easy cash-back program that does not require activation or spending caps
- One of many longest intro durations for stability transfers at 18 months
- 3% charge charged on purchases made exterior the U.S.
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- Estimated rewards earned after 1 12 months: $443
- Estimated rewards earned after 5 years: $2,213
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The Citi® Double Money Card has a $0 annual charge and earns a flat 2% again on all purchases (1% while you purchase and 1% while you pay). In the event you will not earn factors on hire and do not spend closely on journey and eating, the Citi Double Money has the potential to be extra rewarding. If you wish to use Bilt factors for hire or merchandise, the rewards you earn with Citi Double Money Card are extra worthwhile.
Nevertheless, Bilt factors are higher for those who’re in search of journey rewards. The ThankYou factors you earn with the Citi Double Money solely switch to a restricted variety of journey companions at poor switch ratios until you pair it with a card just like the Citi Premier® Card (see charges and costs).
Bilt Rewards Mastercard vs. Capital One Enterprise Rewards Credit score Card
Capital One Enterprise Rewards Credit score Card
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Rewards
5 Miles per greenback on lodge and rental automobiles booked by way of Capital One Journey, 2X miles per greenback on each different buy
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Welcome bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases inside 3 months from account opening
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Annual charge
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Intro APR
N/A for purchases and stability transfers
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Common APR
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Stability switch charge
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International transaction charge
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Credit score wanted
For renters, the Bilt Rewards Mastercard has the potential to be an exceptionally rewarding bank card as a result of you’ll be able to flip hire into rewards with out further charges. Bilt factors are additionally worthwhile and Bilt’s month-to-month Lease Day promotion presents alternatives to dramatically increase that worth and earn further factors.
Nevertheless, for those who personal your own home or in any other case do not pay hire, the worth of this card drops. In the event you’re not incomes factors on hire, this card remains to be nearly as good as lots of the greatest journey bank cards, nevertheless it does not stand out. Plus, it does not have a welcome bonus, which suggests you are lacking out on the chance to earn a whole bunch of {dollars} in worth that you simply’d have with many different playing cards on this class.
The Bilt Rewards Mastercard is a wonderful $0 annual charge card with a worthwhile rewards program and distinctive advantages. With this card, you’ll be able to earn rewards on hire with out paying any charges. Bilt factors switch to many worthwhile airline and lodge applications, which supplies the rewards you earn a possible for larger worth. However it does not have a welcome bonus, and for those who personal a house or do not pay hire its attraction is diminished.
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