Pay Rent with Bilt Credit Card. Earn Rewards with No Fees (Comprehensive Guide)
Learn how to pay rent using Bilt Mastercard without incurring any fees. Discover how to earn rewards every time you make monthly rent payments.
Photo: Pixabay
Are your monthly rent payments consuming a significant part of your income, especially as housing costs continue to rise rapidly? What if I told you that your monthly rent payments could be your ticket to earning valuable rewards?
Yes, you read that right! Imagine paying your rent and receiving valuable rewards and benefits in return. You might think it’s too good to be true, but the Bilt Mastercard® has made this possible.
This groundbreaking credit card not only offers a host of impressive features but also lets you earn rewards for paying your rent, making it the first of its kind in the market.
In this article, we will take you through a step-by-step process on how to use Bilt Mastercard® to pay your rent without any transaction fee and how to earn rewards every time you make a rent payment. We’ll explore the convenience of using this card for your rent payments without any extra charges, making it a seamless experience for every cardholder.
Don’t yet have Bilt Mastercard?
Bilt Mastercard is the only credit card that allows you to pay your rent for free, while earning valuable rewards. You also earn rewards on travel, dining, and rent.
Bilt Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
1x - 6x Points
Welcome Offer N/A
N/A
Joining Bilt Rewards and Earning Points
Bilt Rewards is a loyalty program that lets you earn points on your rent payments, regardless of whether you reside in a Bilt Rewards Alliance property. Here’s how you can become a member and start earning:
For Bilt Rewards Alliance Members (In-Network): If you rent from a Bilt Rewards Alliance property, you can start earning points immediately by enrolling in the loyalty program. By paying your rent through the Bilt Rewards app, you’ll earn a consistent 250 points each month. You just need to connect your unit to Bilt Rewards and set up rent payments. To boost your earnings to one point per dollar, get the Bilt Mastercard®.
For Non-Bilt Rewards Alliance Members (Out-of-Network): If your property is not part of the Bilt Rewards Alliance, you can still earn points on your rent payments if you get the Bilt Mastercard®. You’ll accumulate one point per dollar spent on rent each month.
Build Your Credit History by Paying Rent
Renting at a Bilt Rewards Alliance property allows you to have your monthly rent payments automatically reported to major credit bureaus. This can help build your credit history with each on-time rent payment, potentially boosting your credit score.
To learn more about the importance of a good credit score, check our article: What is a credit score?
Earning Points with the Bilt Mastercard®
The Bilt Mastercard® lets you earn points on your regular expenses, even on rent payments:
3X Points on Dining
2X Points on Travel
1X Points on All Other Purchases
1X Points on Rent Payments - No Transaction Fees!
Screenshot of Bilt app
You can earn up to 100,000 points per year from rent payments.
Rent payments below $250 will earn you a solid 250 points.
Please note that you can only earn points on one rent payment for one property each month.
Double Points on Rent Day (1st of Every Month):
Screenshot of Bilt app
- 6X Points on Dining
- 4X Points on Travel
- 2X Points on All Other Purchases (excluding rent).
Earning 1x points for rent payments can yield significant rewards, especially considering the rising cost of rent these days. For example, if you pay $1,800 in monthly rent, you’ll earn 1,800 points monthly, totaling 21,600 points a year.
$1,800 monthly rent = 1,800 Points every month.
1,800 Points x 12 months = 21,600 Points in a year just for paying your rent.
To keep earning points, ensure you complete at least five card transactions in each statement period.
Paying Rent with the Bilt Mastercard: A Step-by-Step Guide
Credit cards offer convenience for rent payments, but not all landlords or property management companies accept them. When they do, there are often associated fees. So, how can you use your Bilt Mastercard® for rent, even when your landlord doesn’t accept credit cards, and how can you avoid transaction fees? Let’s walk through this guide step by step.
You can pay your rent and earn points using the Bilt Mastercard, and the best part is that there are no usual transaction fees. Even if your apartment isn’t part of the Bilt Rewards Alliance, you can still use your Bilt Mastercard to pay rent and earn points without fees, as long as your landlord accepts online payments or checks.
Paying Rent Online
You can pay rent with your Bilt Mastercard online through an existing portal or to any landlord who accepts ACH payments. Bilt also supports rent payments through Venmo and PayPal, but please note that Zelle and direct bank transfers are not supported.
All Bilt Mastercard holders have access to a “Pay Rent Online” option, known as a Bilt Rent Account, through the Bilt Rewards app or website. Bilt provides a unique account and routing number for your property’s residential online portal. When you use these numbers for rent payments, your Bilt Mastercard is charged for the same amount, allowing you to earn points without incurring transaction fees.
To avoid fees:
For Bilt Alliance Residents: You can pay rent with your Bilt Mastercard directly through the Bilt Rewards app or website. The transaction fee will be waived for you.
For Non-Bilt Alliance Residents:
Add your Bilt Mastercard as a payment method in your online rent payment portal:
Log in to your residential portal and go to the “Select a Payment Method” section.
Choose “Add Payment Account” and select “E-Check” or “ACH” as the payment type. DO NOT select the credit card option to avoid transaction fees.
Screenshot of a property's residential online portal
Please note that if you select the credit card option here, you will be charged a transaction fee for paying rent with a credit card. To avoid transaction fees, ensure to select “E-Check” or “ACH” as a payment type.
Fill in the required information using the routing and account numbers provided by Bilt.
Screenshot of a property's residential online portal
Screenshot of Bilt app
To find the routing and account numbers specific to your Bilt Rent Account, go to the “Pay Rent” section in the Bilt Rewards app or website, then select the option “Pay rent online” and click on “Show” next to the Routing and Account Numbers. These numbers function like a standard bank account. They can be used as a payment method (ACH or eCheck) in your residential portal.
If you need to include a bank name and bank address for verification:
Bank name: Evolve Bank and Trust.
Bank address: 6070 Poplar Avenue, Suite 200, Memphis, Tennessee 38119.
Bank Account Verification:
If your payment portal requires bank account verification through small deposits, these will be sent to your Bilt Rent Account. You will receive notifications once the deposits are received (1-3 business days).
Submit Your Rent Payment:
After the successful verification, submit your rent payment through the designated Bilt payment method. Bilt will charge your Bilt Mastercard and transfer the funds to your landlord (up to 3 business days for the payment to reflect).
Screenshot of a property's residential online portal
Please adhere to Bilt’s instructions to avoid fees. Using your Bilt Mastercard without following these guidelines may result in additional charges.
Paying Rent by Physical Check
If your property only accepts physical checks, you can still pay with your Bilt Mastercard and earn rewards.
Go to the ‘’Pay Rent’’ section in your Bilt Rewards App or website and select ‘’Pay by check’’.
Screenshot of Bilt app
Set up check payments, providing the necessary information:
Specify the payee for the check.
Screenshot of Bilt app
Decide if you want to include a message (optional).
Screenshot of Bilt app
Provide the mailing address for sending the check.
Screenshot of Bilt app
Double-check and verify that all information you’ve provided is accurate.
Screenshot of Bilt app
Make your payment through the app or website, and Bilt will charge your Mastercard and send a paper check to your landlord via USPS First Class mail (allow 5-7 business days for delivery).
Setting Up Autopay for Rent
Consider setting up Autopay for your monthly rent using the Bilt Mastercard for added convenience. Here’s how you can do it.
For Those Paying Through a Residential Online Portal:
Log in to your account and navigate to the ‘’Set Up Scheduled Payments’’ section.
Screenshot of a property's residential online portal
Choose the payment method you added using the instructions provided earlier in the ‘’Paying Rent Online’’ section.
Select the payment amount to be made each month.
Choose “monthly payments” as the payment frequency.
Specify the date of the first payment.
Indicate the number of payment occurrences.
Create a payment nickname for reference.
Click “Proceed to Confirmation.”
For Those Paying Rent by Physical Checks:
Log in to your Bilt account at the Bilt Rewards App or website.
Go to “Pay Rent,” Select “Pay by Check,” and click on “Set up Autopay.”
Screenshot of Bilt app
Choose the Bilt Mastercard® as your payment method.
Screenshot of Bilt app
Select the payment amount.
Specify the date for mailing the check.
Choose the check delivery method.
Screenshot of Bilt app
Bilt will send the check to your landlord via USPS First Class mail for free, with an expected delivery time of 3-7 business days. You also have the option to send the check via FedEx 2Day for $10.00 and FedEx Standard Overnight for $30.00.
Click “Complete set up.”
Screenshot of Bilt app
While Autopay provides convenience, it’s essential to manage it carefully to ensure that it functions correctly and securely for rent payments. Regularly monitor your transactions and keep your account information up to date.
BiltProtect Debit™
Bilt introduced BiltProtect Debit™, a hassle-free solution for making rent payments with your Bilt Mastercard without impacting your available credit. When you activate BiltProtect in the “Pay Rent” section, Bilt will instantly withdraw the rent amount directly from your linked bank account as you make your rent payment. This ensures that a significant portion of your credit line remains accessible for all your other financial needs. You can comfortably pay your rent without concerns about maxing out your credit limit and still earn points for your monthly rent payments.
Screenshot of Bilt app
Moreover, BiltProtect offers the flexibility to cover rent amounts that exceed your available credit by withdrawing the full payment directly from your linked bank account when you initiate the payment. It’s a convenient and credit-friendly approach to managing your rent expenses.
Redeeming Points for Rent Payments
Bilt lets you effortlessly lower your monthly rent expenses by using Bilt Points to cover a portion or even the entire rent. Bilt points can also be redeemed for travel, shopping at Amazon.com, stylish home décor, fitness, towards a down payment for a home purchase, and more.
Conclusion
With the Bilt Mastercard®, you can earn valuable rewards by paying your rent, making it a credit card like no other. Start enjoying the benefits today!
Bilt Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
1x - 6x Points
Welcome Offer N/A
N/A
The information about the Bilt Mastercard® has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.