0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.

2.00%

effective

Mortgage

1x Bilt Points

0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.

2.00%

effective

All Other Purchases

1x Bilt Points

Complete Rewards Breakdown

Category	Multiplier	Type	Cap	Effective Return
LyftMerchant	3x	Ongoing	—	6.00%
Rent	1x	Ongoing	—	2.00%
Mortgage	1x	Ongoing	—	2.00%
Everywhere else	1x	Ongoing	—	2.00%

Card details

Network: Mastercard
Foreign transaction fee: None
Credit usually needed: Good (about 670+)
Intro APR: 0% intro APR on purchases for 12 billing cycles, then 26.74%–34.74% variable
What a point is worth: 1.00¢ as cash · up to 2.00¢ via transfer partners
Last verified: Oct 12, 2026

What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

Recent changes

Oct 11, 2026New card added

See all card updates →

Pairs well with

Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →

Citi Strata Premier℠ Card

+$420/yr

Capital One Venture Rewards Credit Card

+$397/yr

Wyndham Rewards Earner® Plus Card

+$266/yr

How it stacks up

vs Bilt Obsidian Card vs Bilt Palladium Card

Want more details?

Fees, benefits, and current offers change frequently. Visit Bilt’s official page for the most up-to-date terms straight from the issuer.

View on Bilt’s site

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