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Bilt Mastercard: Rent and Reward Companion

Earn points on rent, dining, travel—no transaction or annual fees. Turn monthly rent into rewards.

Finding a credit card that allows you to pay rent without fees and rack up rewards points is a rare opportunity. The Bilt World Elite Mastercard from Wells Fargo steps into this gap perfectly, offering not just rental perks but a comprehensive rewards program that competes with top travel and dining cards.

If you’re serious about maximizing the money you already spend — especially on essentials like rent, dining, and travel — the Bilt card provides a powerful toolset without charging an annual fee. Here’s why it deserves your attention.

  • Rent Rewards: Pay rent with your credit card without any transaction fees and earn 1X point for every dollar spent, up to 100,000 points per year.
  • Dining and Travel Multipliers: Earn 3X points on dining and 2X points on travel bookings.
  • Double Points on Rent Day: Maximize your rewards every 1st of the month with bonus earning rates.
  • No Annual Fee: Access all features without the burden of an annual membership fee.
  • Premium Travel Protection: Trip cancellation insurance, rental car coverage, and more.
  • Cell Phone Protection: Up to $800 reimbursement for theft or damage when you pay your monthly bill using the card.

Upon approval, you can immediately start using your card to pay rent through the Bilt app. If your landlord doesn’t accept credit cards, Bilt sends a check on your behalf — still earning you points without fees.

You’ll need to make at least five transactions per billing cycle to activate rewards earnings. Besides rent, every swipe on dining, travel, and even everyday purchases will help you accumulate valuable points.

On the 1st of each month — called Rent Day — Bilt supercharges your rewards:

  • 6X points on dining
  • 4X points on travel
  • 2X points on all other purchases (excluding rent)
FeatureBilt World Elite MastercardChase Sapphire Preferred
Annual Fee$0$95
Points on Dining3X3X
Points on Travel2X2X
Points on Rent1X (up to 100K/year)Not offered
Cell Phone Protection✔️
Transfer to Travel Partners✔️ (1:1)✔️ (1:1)

Most rewards cards focus exclusively on shopping or travel purchases, but the Bilt World Elite Mastercard stands out by tapping into one of the biggest recurring expenses people have — monthly rent — without charging any transaction fees. This unique and highly valuable feature transforms a necessary payment into a powerful opportunity to earn rewards.

Whether you’re a frequent diner, a city dweller paying rent, or a travel enthusiast looking to maximize every dollar, the Bilt World Elite Mastercard delivers impressive value. It lets you earn generous points on rent payments, everyday spending, and travel — all while offering premium perks like trip protections, access to luxury travel programs, and status boosts with select loyalty partners. It’s a modern card designed to reward the way you really live.

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A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.