Bilt Credit Card Review 2024
Bilt Credit Card Review 2024
I’ve been using the Bilt Credit Card for a while now, and it’s been a game changer, especially for someone like me who loves to travel. What sets this card apart is it’s unique feature allowing me to earn travel rewards on my biggest monthly expense: rent and mortgage payments. Unlike many other cards, the Bilt Credit Card doesn’t just offer benefits for spending on travel or dining; it makes my rent payments rewarding too. The ability to transfer points 1:1 to a wide array of travel partners is a standout feature, offering unparalleled flexibility in how I use my rewards. This flexibility, combined with a robust rewards structure, places the Bilt Credit Card among the top travel rewards cards in my wallet. Whether I’m booking a flight, securing a hotel, or planning my next adventure, the value I get from this card is exceptional, making it a must-have for savvy travelers looking to maximize their spending.
How to Earn Bilt Credit Card Points
Earning Bilt Reward points with the Bilt Credit Card is surprisingly versatile, catering to a variety of spending habits. Here’s a breakdown of how you can rack up points:
- Rent and Mortgage Payments: This is a cornerstone feature of the card, allowing you to earn 1 point for every dollar spent on these significant monthly expenses. It’s a rare opportunity, as most cards don’t reward these types of payments. There’s also no fee for using this feature.
- Travel: Every dollar spent on travel earns you 2 points. Whether it’s booking flights, hotels, or rental cars, your adventures become even more rewarding.
- Dining: Food enthusiasts can rejoice, as dining out or ordering in nets you 3 points per dollar spent.
- Rides with LYFT: In an exciting partnership, using LYFT for your rides can earn you up to 10 points per dollar spent, making it the highest earning rate offered by the card for specific services.
- All Other Purchases: For your everyday spending outside of these categories, you’ll still earn 1 point per dollar, ensuring that no purchase goes unrewarded.
This structured rewards system makes the Bilt Credit Card exceptionally effective for not only managing big-ticket expenses like rent and travel but also for maximizing rewards from your daily spending habits.
Rent Day Bonuses
The Bilt Rent Day program takes the rewards experience to another level, especially on the first of every month. On Rent Day, the points per dollar you earn on various categories skyrocket, providing an exceptional opportunity to maximize your rewards. Specifically, you can earn a whopping 6X points on dining, allowing you to savor your meals six times more. For travel enthusiasts, every dollar spent on travel rewards you with 4X points, making it an ideal time to book your next getaway. And for all other purchases (excluding rent), you’ll earn 2X points, doubling the rewards on your day-to-day spending. This monthly boost makes the first of the month an eagerly anticipated date for Bilt Credit Card holders, offering a unique way to accumulate points rapidly.
Bilt Travel Transfer Partners
For anyone deep into credit card optimization or just starting to explore, the true power of a rewards card often lies in its transfer partners. This is where the Bilt Credit Card truly shines. Unlike merely booking through a credit card’s travel portal, transferring your points directly to travel partners can significantly amplify their value. Bilt understands this well, offering a robust selection of over 15 airline and hotel partners. This network allows for a 1:1 transfer of points, a feature that savvy travelers will appreciate for its potential to maximize reward value.
Airlines partners include some of the biggest names in the industry, such as United, American, British Airways, and Emirates, offering a vast array of destinations and travel experiences. Whether you’re aiming for a domestic getaway or an international adventure, the options are plentiful and flexible. On the hotel side, Bilt’s partnerships with leading global brands like Hyatt, IHG, and Marriott mean that your points can unlock stays at some of the world’s most sought-after properties. This array of choices ensures that, no matter your travel preferences, you’ll likely find a transfer partner that provides exceptional value for your Bilt Reward points.
Overall the Bilt credit card is exceptional value to add to your choice of cards. With no annual fee, multiple ways to utilize spend, and a wide variety of transfer partners that rivals that of Chase Sapphire, it’s hard to beat.
Enhanced Benefits of the Bilt Credit Card
The Bilt credit card extends beyond its reward system to offer perks particularly beneficial for individuals with bad or limited credit history, enhancing their card experience and financial well-being.
- Primary Auto Damage Collision Waiver
Enjoy peace of mind with the primary auto damage collision waiver when renting a car using the Bilt card. This feature covers damages or theft, sparing cardholders from the high costs of rental insurance.
- Cell Phone Protection
Protect your mobile device against accidental damage or theft with cell phone protection. This benefit can lead to significant savings, ensuring you stay connected without the financial strain of repairs or replacement.
Trip Cancellation/Interruption Protection
- Secure your travel investments with trip cancellation/interruption protection. This coverage safeguards non-refundable travel expenses, offering relief from unexpected disruptions without the added financial stress.
Lyft Credits
- Receive up to $120 in monthly Lyft credits, reducing your rideshare expenses. This perk is especially valuable for frequent Lyft users, enhancing savings and overall financial flexibility.
