On the first of every month, members of the Bilt Rewards loyalty program get access to extra perks, and Bilt cardholders can earn double rewards on select purchases. Some strategic shopping on "Rent Day" can pad your stores of Bilt points, which can be redeemed for travel, rent payments and more — or moved to one of Bilt’s transfer partners for potentially outsize value.
Rent Day: Elevated rewards on all purchases (except housing costs)
From 12 a.m. ET to 11:59 p.m. PT every Rent Day, Bilt cardholders can earn double the number of points on all purchases except rent and mortgage payments. Say you have the Bilt Palladium Card, which typically earns 2x points on every purchase. On Rent Day, those same purchases earn 4x points.
To maximize Rent Day, you could schedule bills to be paid on the 1st, or buy gift cards to your favorite restaurants on Rent Day. That way, you’ve prepaid for meals and locked in an excellent rewards rate on dining, no matter which day of the month you want to eat out.
Bonus points earned on Rent Day are capped at 1,000 points.
How the cards compare
Annual fee
- $0
- $95
- $495
Bilt Points on rent/mortgage payments
Up to 1.25x points.
Up to 1.25x points.
Up to 1.25x points.
Bilt Points on other spending
- 1x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 3x points on your choice of dining or grocery (on up to $25K in spending per year in the grocery category). Your choice category may be changed once a year.
- 2x points on travel.
- 1x points on everyday purchases.
- (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 2x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
Welcome offer
$100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Anniversary bonus
None.
None.
Annual $200 Bilt Cash credit.
Additional perks
- Multiple transfer partners.
- Multiple transfer partners.
- $100 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Multiple transfer partners.
- $400 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Access to participating Priority Pass lounges and landings. (Two guests allowed on every visit.)
Authorized user fee
$0.
$50.
$95.
APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR of 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
Foreign transaction fee
- $0
- $0
- $0
Other Rent Day perks
Rent Day comes with other perks available to all Bilt Members whether they have a Bilt credit card or not. These benefits include:
- A complimentary SoulCycle ride at U.S. studios (only 10 free bikes are available per class).
- The ability to earn more Bilt Rewards through Point Quest, a trivia game that awards points for correct answers.
- A chance to have one month’s rent paid for by participating in the game show Rent Free.
- Hero Benefits, or featured special offers, that can have big value. Previous Hero Benefits include a 100% points transfer bonus to IHG One Rewards and Lyft credits, but only for one day.
- The ability to use Bilt Cash to upgrade a transfer bonus.
