Wednesday, July 24, 2024

Often Requested Questions About My New Favourite Card


Nomadic Matt's Bilt Mastercard being held up in front of a white wall
Posted: 8/31/2023 | August thirty first, 2023

Bilt is considered one of my favourite journey bank cards. Whereas I’ve a handful of others in my pockets, Bilt is my go-to for many of my day-to-day spending.

Plus, Bilt remains to be the one bank card that means that you can earn factors on hire fully at no cost — no charges, methods, or gimmicks. You simply pay your hire every month and earn factors you need to use at no cost journey.

I’ve already written an in-depth evaluate of the Bilt card and highlighted important issues to find out about it, but there are nonetheless loads of misconceptions. I get emails about it each week.

So, at present I wished to take the chance to reply some often requested questions on Bilt. Hopefully, this can clear up any confusion you may need — and persuade you enroll and begin incomes your personal factors at present!


Why is Bilt my present favourite journey bank card?

Bilt is the one bank card that means that you can earn factors on hire — as much as 100,000 per 12 months. That is fully free too; there isn’t a annual payment. For those who dwell within the US and hire (particularly in pricey cities like NYC or SF), it’s a no-brainer.

Another excuse I like Bilt is as a result of it’s the one non–American Airways card that transfers to American Airways. That is nice information for frequent AA fliers or vacationers with particular upcoming journeys for which they need to use AA factors.

For instance, this 12 months, for my birthday, I flew to Japan on JAL in top notch (considered one of my favourite first-class experiences) by optimizing my spending to amass loads of Bilt factors. AA is a accomplice with Japan Airways, so I might switch my Bilt factors to AA, after which use these for a seat on a flight operated by JAL.

Lastly, Bilt makes it straightforward to earn factors, with 3x on eating, 2x on journey, 5x on Lyft, and double these figures on all classes (besides hire and Lyft) on the primary of the month (aka Hire Day). Plus, you’ll get the factors on a rolling foundation, so that you don’t have to attend till your assertion closes to make use of them.

Simply observe that you need to make 5 purchases per thirty days (with no minimal spending requirement) to earn factors.

In abstract, Bilt has plenty of stable bonuses. However the primary draw is incomes factors on hire. For those who aren’t doing that, you’re actually leaving cash on the desk.

How do you earn factors paying hire with Bilt?

When you open a Bilt Mastercard®, you merely go to the Bilt app or web site to arrange your recurring month-to-month rental funds.

First, you’ll arrange a Bilt Hire Account with Wells Fargo (the financial institution behind Bilt). This distinctive checking account is mainly a authorized “dummy” account created as a workaround for bank card processing charges. You don’t use it for the rest (you don’t withdraw cash from it or deposit into it).

Each time these distinctive routing and account numbers are used to pay hire (whether or not you employ an internet portal, Venmo, or PayPal), your Bilt Mastercard® is charged for a similar quantity. You then repay the stability every month (in full!) by connecting it to your standard checking account, as you’ll another bank card.

In case your landlord solely accepts checks, you’ll be able to nonetheless pay together with your Bilt card via the Bilt Rewards app, and Bilt will ship a examine in your behalf.

My rental cost portal expenses a processing payment for paying by bank card. Will I get charged a payment for utilizing Bilt to pay my hire?

Nope! With a Bilt Hire Account (see above), you’re technically paying your hire with a checking account, not a bank card. So that you received’t incur any charges!

What’s the annual payment for Bilt?

There may be NO annual payment, which is a part of what makes Bilt so superior!

What are the most effective switch companions for Bilt?

My favourite switch accomplice is American Airways, as a result of apart from AA bank cards, that is the one method to earn AA factors.

It’s also possible to switch factors 1:1 to 14 journey companions:

  • American Airways
  • AerClub (Aer Lingus)
  • Aeroplan (Air Canada)
  • British Airways
  • Cathay Pacific
  • Emirates
  • Flying Blue (Air France/KLM)
  • Hawaiian Airways
  • Iberia
  • Turkish Airways
  • United
  • Virgin Atlantic
  • World of Hyatt
  • IHG (Intercontinental Resorts Group)

It’s straightforward to seek out the most effective use of your Bilt factors when reserving flights, because it integrates instantly with, the points-booking search engine (be taught extra about in my evaluate). Simply put your required vacation spot into the app’s journey portal, and the search perform will show all of the flights that you may ebook with Bilt factors.

When you’ve selected an possibility, you’ll be able to switch your Bilt factors to the required journey accomplice proper inside the app.

What’s Hire Day?

Hire Day is the primary day of the month (when hire is normally due). On today, Bilt affords double factors for the primary spending classes, which means that you simply’ll earn 6x on eating, 4x on journey, and 2x on different purchases (besides hire) made on the primary of the month. That is my favourite method to simply rack up Bilt factors.

There are much more bonuses on Hire Day within the Bilt app, the place you’ll be able to play numerous video games with a purpose to earn factors. For instance, in Level Quest, a mainstay of the Hire Day extravaganza, you’ll be able to earn factors for proper solutions to (fairly straightforward) trivia questions.

There’s additionally a Hire Day Problem that modifications each month, wherein you full a problem for an opportunity that Bilt can pay your hire for one month. Previous challenges have included a fill-in-the-blank problem and a picture search (discover Bilt blocks inside a picture).

Does Bilt work if I pay a mortgage as an alternative of renting?

No. You at present can’t get factors in your mortgage, solely hire funds.

Nonetheless, even householders would possibly need to contemplate getting the Bilt card for the plethora of different advantages. It’s surely the greatest no-fee journey bank card on the market, no matter whether or not you’re utilizing the points-for-rent function or not. The benefit of incomes factors which might be transferable to a variety of journey companions, hire day advantages (accessible to all cardholders), free entry (a device for locating award flights), and stable journey insurance coverage make it laborious to beat.

What credit score rating is required for Bilt?

The really useful credit score rating to use for Bilt is within the good to glorious vary (670-850), although this isn’t a hard-and-fast rule. Different components in your credit score historical past could come into play when your software is evaluated.

How do you apply for a Bilt bank card?

Merely click on this hyperlink to use! For many candidates, it takes simply a few minutes to obtain a response. Take into account that this can be a laborious inquiry in your credit score, which means that it would trigger a short lived dip in your rating.

Can I take advantage of Bilt with out the bank card?

For those who dwell in a Bilt Alliance property (properties with an official partnership with Bilt), you received’t want the Bilt Mastercard to earn factors in your hire. Nonetheless, even in the event you dwell in considered one of these properties, I nonetheless suppose it’s nicely value it for all the opposite methods to earn much more!

Is Bilt value it?

Sure! Contemplating there’s no payment and solely factors to achieve, Bilt is completely value having in your pockets.


Bilt is a must have for anybody who rents within the US — however particularly vacationers. I actually can’t suggest it sufficient. As the one card that allows you to earn factors from paying hire, and because the solely non-American Airways card that allows you to earn AA factors, it’s my favourite for a cause.

Don’t go away cash on the desk — get your Bilt card at present!


E-book Your Journey: Logistical Suggestions and Tips

E-book Your Flight
Discover a low cost flight through the use of Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you at all times know no stone is being left unturned.

E-book Your Lodging
You may ebook your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use because it persistently returns the most cost effective charges for guesthouses and lodges.

Don’t Neglect Journey Insurance coverage
Journey insurance coverage will defend you towards sickness, damage, theft, and cancellations. It’s complete safety in case something goes mistaken. I by no means go on a visit with out it as I’ve had to make use of it many occasions prior to now. My favourite firms that provide the most effective service and worth are:

Wish to Journey for Free?
Journey bank cards help you earn factors that may be redeemed at no cost flights and lodging — all with none further spending. Take a look at my information to choosing the right card and my present favorites to get began and see the most recent greatest offers.

Able to E-book Your Journey?
Take a look at my useful resource web page for the most effective firms to make use of if you journey. I listing all those I take advantage of after I journey. They’re the most effective at school and you’ll’t go mistaken utilizing them in your journey.


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