Wells Fargo (issued by Wells Fargo Bank, N.A.)
Bilt Mastercard® Review 2026
Earn points on rent with no transaction fee — the only major card product that makes rent a points-earning expense.
Who Bilt Mastercard® is best for
Renters who want to turn their largest monthly expense into travel points at no cost.
At a glance
- Annual fee
- $0
- Sign-up bonus
- None
- Base earning rate
- 1x on rent (up to $50K/year) / 3x dining / 2x travel / 1x other
- Travel benefits
- Bilt transfer partners (14 including United, American, Hyatt), trip cancellation, no foreign transaction fee
No annual fee
No traditional sign-up bonus; value comes from ongoing rent earning
Must make 5 transactions/month to earn points; rent earning requires using Bilt app
Transfer partners include major domestic airlines — rare for a no-fee card
Pros
- +1x points on rent — the only major card product that earns on rent without a transaction fee
- +Transfer partners include United, American Airlines, and World of Hyatt — strong domestic redemption options
- +No annual fee — the full transfer partner ecosystem at $0
- +3x dining / 2x travel earning rates competitive with paid cards at the same price point (free)
Cons
- −Must make 5 purchases per billing cycle to earn points on rent — easy but required
- −No sign-up bonus — value accrual is slower in year 1 vs bonus-bearing cards
- −Issued by Wells Fargo via Bilt partnership; if the Bilt partnership changes, card terms could change
Bilt Mastercard® requirements
- Good to excellent credit (670+ FICO)
- Must pay rent through Bilt's platform or to a participating landlord
Bilt Mastercard® alternatives
Top alternatives worth comparing from Best Travel Credit Cards 2026.
Chase
Chase Sapphire Preferred® Card
First-time travel rewards users and anyone who wants the best mid-tier card in the Chase Ultimate Rewards ecosystem.
Chase
Chase Sapphire Reserve®
Frequent travelers (3+ trips/year) who use airport lounges and will exhaust the $300 travel credit annually.
American Express
American Express® Gold Card
High food spenders (dining + groceries) who want Amex Membership Rewards points without paying the Platinum fee.
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
Find your card type — 60-second quiz→Compare Bilt Mastercard® head-to-head
The full lineup
See all picks in Best Travel Credit Cards 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Bilt Mastercard® scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Renters who want to turn their largest monthly expense into travel points at no cost.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Bilt Mastercard®
How does the Bilt Mastercard earn points on rent?+
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.
What are Bilt Mastercard's transfer partners?+
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.
Is there a sign-up bonus on the Bilt Mastercard?+
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.
What happens if I don't make 5 purchases in a month?+
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.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.