April 18, 2024

Incomes journey rewards for paying lease is a pleasant perk. That’s precisely what the card_name does. And since the card_name doesn’t cost a charge for paying lease with a bank card, you don’t need to pay to earn rewards.

The options of the cardboard don’t cease there. It earns additional rewards for eating and journey purchases. To prime it off, card_name has a complete journey rewards program that rivals any of one of the best gamers within the journey rewards house. And that’s for a no-annual-fee card.

Sure, it’s that good. However it’s not for everybody. Right here’s our evaluation of the card_name, together with the options, fantastic print, drawbacks, and opponents.

Bilt Mastercard®

Credit score rating wanted


Common APR


TIME’s Take

For renters with good credit score, this card is price contemplating. It earns rewards for making lease funds and is the one card available on the market to take action with out charging a transaction charge.

These rewards are fairly invaluable due to the Bilt Rewards program, which features a full slate of a few of the greatest switch companions—amongst them Hyatt, Marriott, and American Airways.

The cardboard would not supply a sign-up bonus, nevertheless, which might make it much more invaluable to cardmembers.

Professionals and cons


  • Earns factors for paying lease with out charging a charge
  • Full journey rewards program
  • No annual charge
  • Construct credit score historical past while you pay lease
  • Double rewards on the primary of each month (apart from lease funds)
  • No overseas transaction charges


  • No sign-up bonus
  • No factors for paying a mortgage with the cardboard
  • Steadiness switch charge as much as 5%
  • Want to recollect to make 5 transactions on the cardboard to be eligible for incomes factors

Who’s the cardboard for?

The card_name is made for renters. Incomes factors for paying lease is an effective way to construct a stash of factors for the holiday you’ve all the time needed to take.

In case you’re a house owner, you’re not out of luck. Due to the switch journey companions, promotional presents, and rewards earned on eating and journey purchases, it’s nonetheless a worthwhile card, particularly contemplating there isn’t any annual charge.

To qualify, the cardboard does require the next credit score rating, so for those who’re constructing credit score, you may need to sit down the bench on this one till you qualify.


The card_name’s options are fairly spectacular. As talked about earlier, it’s the one card that earns rewards for paying lease with out charging a charge. However there are extra options that additionally make this card price contemplating.

Rewards for paying lease

You’ll be able to earn as much as 100,000 factors every year by paying your lease together with your Bilt bank card. There isn’t a charge for paying lease with the cardboard and you may have Bilt ship a verify to your landlord in the event that they don’t settle for bank card funds. You’re restricted to paying lease on only one property in a 30-day interval.

Rewards construction

Past what the cardboard earns for paying lease, you’ll even be entitled to earn rewards although bonus classes. The cardboard earns 3x on eating and 2x on journey purchases. For all different purchases (together with lease), rewards are earned at one level per greenback spent.

Journey companions

card_name has a powerful array of journey switch companions. This interprets into probably invaluable redemptions. Journey companions embrace:

  • Avianca.
  • American Airways.
  • IHG.
  • Turkish Airways.
  • Air France.
  • Virgin Atlantic.
  • Iberia.
  • British Airways.
  • United.
  • Aer Lingus.
  • Hyatt.
  • Marriott.
  • Emirates.
  • Hawaiian Airways.
  • Cathay Pacific.
  • Air Canada.

Double factors on lease day

On the primary of each month, you may earn double factors on each spending class. The 3x purchases on eating purchases flip into 6x, the 2x purchases on journey flip into 4x, and also you earn 2x on all different purchases (besides lease).

Studies lease funds

The card_name experiences your lease funds to the three credit score bureaus. On-time funds can construct your credit score historical past and rating in a really favorable method.

Earn Bilt standing

Factors earned by your purchases rely in the direction of Bilt Rewards standing.

Automotive rental insurance coverage

You’re eligible for automotive rental insurance coverage while you pay for the whole price of a rental automotive together with your card_name and decline the protection provided by the automotive rental firm. This will prevent cash in your automotive rental and assist pay for accidents and thefts that happen when you’re touring.

The fantastic print

The phrases and situations of the card_name are just like these of many different bank cards. You’re wanting on the following charges and charges:

  • Common APR: reg_apr,reg_apr_type.
  • Annual charge: annual_fees.
  • International transaction charges: foreign_transaction_fee.
  • APR for money advances: cash_advance_apr.
  • Money advance charge: cash_advance_fee.
  • Steadiness switch charge: balance_transfer_fees.
  • International foreign money conversion charge: None.
  • Layment cost charge: As much as $40.

Further hidden perks

Journey advantages

The card_name comes with a full slate of journey advantages. These embrace: journey cancellation and interruption protection, journey delay reimbursement, and auto rental collision injury waiver.

Lyft credit

Once you take three Lyft rides in a single month, you’re eligible for a $5 credit score. It doesn’t appear to be an enormous profit, however for those who take numerous Lyft rides, it can save you $60 over the course of a yr.

Cellphone safety

Once you pay your cellphone invoice together with your card_name, you’re protected in case of theft or injury to your cellular phone (see phrases and situations for extra particulars).

Buy Safety

You might have 90 days of buy safety from theft and injury while you purchase coated objects with the cardboard.

What might be improved

If there’s one draw back to the card_name, it’s that there’s no sign-up bonus. However that’s the tradeoff for a no-annual-fee card that earns factors for paying lease.


TIME Stamp: A strong alternative for renters

The card_name is price having in your pockets, notably for renters. There isn’t a different card that earns journey rewards for paying lease, and with out charging a transaction charge or an annual charge.

The rewards earnings charge is sweet and the switch companions are wonderful. The principle query potential cardholders will need to ask is whether or not they can get sufficient worth out of the cardboard in the event that they’re not renters. Is 3x earnings on eating and 2x on journey purchases sufficient for those who’re not incomes factors for paying lease? Then once more, there may be nonetheless no annual charge, so it might make sense for lots of people from totally different walks of life.

Often requested questions (FAQs)

Is it simple to get accredited for the card_name?

The card_name requires good to wonderful credit score for approval. In case you’re nonetheless new to credit score, attempt constructing your credit score historical past and rating earlier than making use of for the card_name.

Does card_name assist your credit score rating?

The card_name might help your credit score rating as on-time funds are reported to the credit score bureaus. Fee historical past accounts for 35% of your FICO credit score rating.

Can I take advantage of card_name to pay lease?

Sure. You’ll be able to pay your lease utilizing the card_name. You earn rewards each time you pay lease utilizing the cardboard.

Can I pay my mortgage with card_name?

No. It’s not doable to pay your mortgage with the card_name.

The data introduced right here is created independently from the TIME editorial employees. To study extra, see our About web page.