Bilt – The Current Hot Topic

Picture credit – Bilt

There seems to always be a weekly or monthly hot topic in the points and miles world. This week it’s Bilt. This is a new credit card launched in partnership with Wells Fargo Bank.

Bilt allows you to pay rent with a credit card with no credit card processing fees AND earn rewards points that can be transferred to American, United, Hyatt and other programs. There’s no annual fee so you can earn points on a regular monthly expense without worrying about paying for the privilege.

There are a few caveats:

  • You have to make at least 5 purchases each billing cycle to earn points. So, you need at least 4 other swipes besides your rent. The good news is that the card earns 3 points per dollar at restaurants and 2 points per dollar on travel (airline, hotel, rental car) purchases.
  • The card will count against your 5/24 limit so if you are close to the limit or trying to work on Chase cards for now, you might want to wait before applying.
  • The card works seamlessly with some major landlords in the Bilt Alliance, but for many landlords, you will have to request a check to be sent, so watch the timing with the added complication of the US Mail.

If you think this card works for your needs, please use my referral link here.

If you enjoyed this post (or have questions), let me know in the comments or send me an email at If you are thinking about opening a new credit card, please use one of my links.

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