Earn points on rent with no transaction fee — the only major card product that makes rent a points-earning expense.
Find your card type — 60-second quiz →
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Renters who want to turn their largest monthly expense into travel points at no cost.
Bilt Mastercard® — Earn points on rent with no transaction fee — the only major card product that makes rent a points-earning expense. Best for: Renters who want to turn their largest monthly expense into travel points at no cost.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
You pay rent through the Bilt app (or to a participating landlord), and Bilt credits 1x points on rent up to $50,000 per year — without charging a transaction fee to the landlord. To activate rent-earning, you must make at least 5 purchases on the card in that billing cycle. Rent is paid as an ACH transfer, so your landlord doesn't need to accept cards.
Bilt Rewards transfers 1:1 to 14 airline and hotel partners, including United MileagePlus, American Airlines AAdvantage, Air Canada Aeroplan, Turkish Airlines Miles&Smiles, and World of Hyatt. The domestic airline coverage — United and American — is unusual for a no-annual-fee card and provides strong practical redemption value for US travelers.
No — there is no traditional sign-up bonus. The value proposition is the ongoing rent earning (1x on up to $50K/year) rather than a first-year welcome offer. For a renter paying $2,000/month in rent, that's 24,000 points annually just from rent. Year-1 value relative to a bonus-bearing card depends on your rent amount and how you value Bilt points vs. other currencies.
You won't earn points on rent for that billing cycle. The 5-transaction minimum must be met each month to activate rent earning. Points on non-rent purchases (dining, travel, other) still earn regardless of the 5-transaction threshold. The minimum is low enough that most active cardholders hit it without trying — even 5 small purchases like coffee or groceries qualifies.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.