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.

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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