Travel News

Frequently Asked Questions About My New Favorite Card

Nomadic Matt's Bilt Mastercard being held up in front of a white wall

Posted: 8/31/2023 | August 31st, 2023

Bilt is one of my favorite travel credit cards. While I have a handful of others in my wallet, Bilt is my go-to for most of my day-to-day spending.

Plus, Bilt is still the only credit card that allows you to earn points on rent entirely for free — no fees, tricks, or gimmicks. You just pay your rent each month and earn points you can use for free travel.

I’ve already written an in-depth review of the Bilt card and highlighted essential things to know about it, yet there are still a lot of misconceptions. I get emails about it every week.

So, today I wanted to take the opportunity to answer some frequently asked questions about Bilt. Hopefully, this will clear up any confusion you might have — and convince you sign up and start earning your own points today!


Why is Bilt my current favorite travel credit card?

Bilt is the only credit card that allows you to earn points on rent — up to 100,000 per year. This is entirely free too; there is no annual fee. If you live in the US and rent (especially in costly cities like NYC or SF), it is a no-brainer.

Another reason I love Bilt is because it’s the only non–American Airlines card that transfers to American Airlines. This is great news for frequent AA fliers or travelers with specific upcoming trips for which they want to use AA points.

For example, this year, for my birthday, I flew to Japan on JAL in first class (one of my favorite first-class experiences) by optimizing my spending to amass a lot of Bilt points. AA is a partner with Japan Airlines, so I could transfer my Bilt points to AA, and then use those for a seat on a flight operated by JAL.

Finally, Bilt makes it easy to earn points, with 3x on dining, 2x on travel, 5x on Lyft, and double those figures on all categories (except rent and Lyft) on the first of the month (aka Rent Day). Plus, you’ll get the points on a rolling basis, so you don’t have to wait until your statement closes to use them.

Just note that you must make five purchases per month (with no minimum spending requirement) to earn points.

In summary, Bilt has lots of solid bonuses. But the main draw is earning points on rent. If you aren’t doing that, you’re literally leaving money on the table.

How do you earn points paying rent with Bilt?

Once you open a Bilt Mastercard®, you simply go to the Bilt app or website to set up your recurring monthly rental payments.

First, you’ll set up a Bilt Rent Account with Wells…

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