The only card that earns rewards on rent without a transfer fee, which until Bilt existed was a category that did not exist. If you spend $2,000+ per month on rent — and most renters do — that is 24,000 points a year you previously had no way to earn. The transfer-partner list (Hyatt, American, Air France) is genuinely useful, not an afterthought. The catch is the no-signup-bonus, the once-a-month pay-with-card-not-ACH requirement, and the fact that it is not your best dining or travel card. Treat it as the rent card and a backup, and the math works.
What you actually earn
Who this card is for
Renters spending $1,500+/month on rent, comfortable with Bilt's pay-once-a-month-by-card workflow.
The compliance footnote
The Mastercard carries a $0 annual fee with an APR range of 21.49-29.49% Variable. Foreign-transaction fee is none. The current signup offer is None (no signup bonus by design). These terms are accurate as of 2026-05-03 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.