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Bilt Rewards 101

We wanted to create a program that rewarded your largest monthly expense, and I am delighted to welcome you to Bilt Rewards; a program that is free to join and has no fees on rent.

Let's take a look at how you can get the most value as a Bilt Rewards member.

How to Earn Bilt Points

There are three basic ways to earn points:

1. Paying Rent in the Bilt Rewards Alliance

Bilt Rewards members who live in the Bilt Rewards Alliance — official real estate partner buildings — can immediately begin to earn points on rent when joining the program. Securely link your bank account in the Bilt Rewards app and payment to your Bilt Rewards Alliance landlord will be seamless and ensure you never overspend to pay rent. Every month you pay your rent from a linked checking account through the Bilt Rewards app, you’ll earn a flat 250 points per month.

2. Paying Rent with the Bilt Mastercard

If you're outside of the Bilt Rewards Alliance, you'll need the Bilt Mastercard to pay rent. Any renter in the country can apply for the Bilt Mastercard and earn one point per dollar on rent every month (up to 50,000 points per year) in addition to up to 3X points per dollar every time you use your card everywhere Mastercard is accepted. Read more on the Bilt Mastercard below.

When you use your card to pay rent, if your landlord is a member of the Bilt Rewards Alliance, they will be paid electronically through the Bilt Rewards app. If your landlord is not a member of the Bilt Rewards app, we can send your landlord a paper check via USPS First Class mail for your rental amount after you pay through the app. You should plan for 5-7 business days for the check to reach your landlord.

3. Living in the Bilt Rewards Alliance

If you live in a building that is a member of the Bilt Rewards Alliance, your landlord may offer periodic incentive points and/or Bilt status to sign a lease, refer a friend to move-in, offer points for consecutive months paying rent on time and other building specific promotions. Be sure to ask your landlord when they plan to offer points in your building.

From time to time, Bilt Rewards will offer different opportunities to earn bonus points so make sure to regularly check the Bilt Rewards app.

Accelerate Your Earnings with the Bilt Mastercard

Apply for the Bilt Mastercard and open the door to earning up to 50,000 points per year on your monthly rent and unlimited points anytime you use your card anywhere Mastercard is accepted. Bilt Mastercard is the card for where you live, where you travel, and where you dine.

Here’s how the new 0-1-2-3 points earning structure breaks down:

  • $0 annual card fee

  • 1X on rent payments with no fees (on up to $50,000 in rent payments every year)

  • 2X points on travel (when booked directly with an airline, hotel, car rental, or cruise company)

  • 3X points on dining


  • 1X points on all other purchases

Cardholders must meet a minimum of 5 card transactions per statement period in order to earn points. All new cardholders will earn 2X points on all non-bonus category purchases for the first 30 days.

The Bilt Mastercard also makes your life simpler and more rewarding by including all the Mastercard World Elite benefits such as:

  • Cell phone insurance anytime you pay your monthly bill with your Bilt Mastercard

  • Purchase Assurance Plus covers any purchase you make against accidental damage for 90 days

  • Trip Delay and Trip Cancellation protection

  • Exclusive merchant discounts with brands like Lyft, Doordash and Shoprunner

  • Access to the Mastercard Luxury Hotel & Resorts Portfolio which gives you amenities like upgrades, free breakfast and property credits at over 3,000 hotels

  • 24/7 access for the World Elite Concierge, a complimentary service that acts as a relentless personal assistant.

Bilt Rewards Status

Bilt has a simple status structure so that member status is based on total points earned over the calendar year. Points can be earned from any source such as rent transactions, non-rent transactions, bonus points, and more.

The points required to earn status is as follows:

  • Blue - anyone enrolled in Bilt Rewards with under 25,000 points

  • Silver - 25,000 points earned

  • Gold - 50,000 points earned

  • Platinum - 100,000 points earned

Status benefits at each tier are outlined in the following chart. Additional status benefits will be rolled out in the coming months.

Status earned between Jan 1 and Jun 30 each year will expire Jan 31 of the following year. Status earned between Jul 1 and Dec 31 will remain active the rest of the year in which it was earned and the entire following year.


BiltProtect is included with your Bilt Mastercard to protect you from using your credit line on rent payments. When enabled, BiltProtect turns your Bilt Mastercard into a debit card for rent payments by automatically withdrawing the funds from a linked bank account when you use your card to pay for rent.

This will help protect your credit score by leaving your credit line open for other purchases. With BiltProtect, your credit limit is just like your limit on any other card – available for use anywhere Mastercard is accepted.


FeeProtect is automatically enabled on your Bilt Mastercard and helps to ensure you aren’t charged fees accidentally on your rent payment. If you pay your rent through the Bilt Rewards app, you will never be charged a fee.

However, if you inadvertently attempt to pay your rent through your landlord’s website or other payment portal using your Bilt Mastercard, the transaction will be declined and you will be notified that it was declined (to save you the fees your landlord may charge for credit card payments).

Redeem Your Points

Bilt Rewards offers redemptions for every facet of your life. Whether you want to travel in luxury, decorate your apartment with the hottest accessories, cover your next month's rent or make homeownership a reality, Bilt Points cover it all.

Homeownership and Rent

Save your Bilt Points and let Bilt Rewards be your path to ownership. Use points to cover all or part of your next month’s rent or save them up over time and use them towards a down payment on a future home purchase.


Transfer your points at a 1:1 ratio to any of our seven airline partners or our launch hotel partner - World of Hyatt. Click the flights and hotels tabs in the Bilt Rewards app to learn about the power of points transfers and to link your loyalty accounts and transfer Bilt Points.

Our transfer partners let you book flights on over 100 partner airlines and hotels on six continents. Transfer your points to American AAdvantage, Aeroplan, Emirates Skywards, Flying Blue, Turkish Miles&Smiles, HawaiianMiles or Virgin Atlantic Flying Club.


Bilt Collection

We’ve curated an exclusive seasonal collection of artwork, home decor, tech & lifestyle products that are influenced by the world of design. Items start at 5,000 Bilt Points.

In addition to the collection items, each season, our award-winning designer, Julien Albertini, and distinguished art enthusiast and decorist, Samantha Barbaccia, select an artist who pushes the boundaries of design. Each artist works to create exclusive pieces of art that are available only to Bilt Members through the collection.


Use your Bilt Points to cover the cost of your favorite fitness classes — like Rumble, SoulCycle and Y7. Starting at 1,500 Bilt Points.

Bottom Line

For far too long, millions of renters have been earning nothing in return for their largest monthly expense. Bilt Rewards fixes that problem with no fees and no catch. Pay your rent with Bilt Rewards and your path to homeownership, your next vacation, living room conversation piece or fitness class is at your fingertips.

© 2021 Bilt Rewards. All rights reserved.Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.