The Ultimate Bilt Rent Guide: Instant Approval Cards & Free Points

What Is Bilt? The Rent Rewards Revolution

Bilt Rewards is a loyalty program designed specifically for renters, allowing you to get points for paying rent without the pesky 2-3% transaction fees typically charged by landlords or payment platforms. Launched in 2021, Bilt made waves by offering a no-annual-fee Bilt World Elite Mastercard® that lets you earn 1 point per dollar on rent payments (up to 100,000 points per year) when you make at least five transactions per billing cycle.

But here’s the kicker:  you don’t even need the Bilt Mastercard to start earning. By joining the free Bilt Rewards program, you can pay rent through the Bilt app and earn a flat 250 points per month, though the real rewards come with the card.

Whether your landlord accepts credit cards or prefers checks, Bilt’s innovative BillPay feature ensures you can pay rent and earn points seamlessly by generating a unique routing and account number or mailing a check on your behalf.

Beyond rent, Bilt lets you earn points on dining (3x points), travel (2x points), and even Lyft rides (5x points when linked). These points are incredibly flexible, redeemable for travel with major airlines and hotels, Amazon purchases, fitness classes, or even toward a future home down payment. With partnerships like United Airlines, Hyatt, and Southwest Rapid Rewards, Bilt points are valued at around 2.05 cents each, making them a powerful currency for savvy spenders.

Why Bilt Stands Out for Renters

Paying rent is often a financial dead-end—no rewards, no benefits, just a big chunk of your income gone. Bilt flips this on its head. Here’s why it’s a game-changer:

1- No Transaction Fees on Rent Payments: Unlike other credit cards that incur a 2-3% fee when paying rent, the Bilt Mastercard lets you earn rewards for paying rent without extra costs. This is huge for renters spending $1,500-$3,000 monthly, as it turns a fixed expense into a rewards-generating opportunity.

2- Instant Approval Credit Cards: The Bilt Mastercard is issued by Wells Fargo and is accessible to many with decent credit. While it requires a credit check, the application process is straightforward, and approval can be quick for qualified applicants. No annual fee sweetens the deal.

3- Build Credit While Paying Rent: Bilt reports on-time rent payments to all three major credit bureaus (Experian, Equifax, TransUnion) for free, helping you boost your credit score. This is especially valuable for renters in Bilt Rewards Alliance properties (over 4 million units across the U.S.).

4- Flexible Redemption Options: From booking flights with American Airlines to redeeming points for SoulCycle classes or Amazon purchases, Bilt points offer unmatched flexibility. You can even use points to pay future rent or save for a home down payment (1.5 cents per point).

5- Rent Day Bonuses: On the first of every month, Bilt’s “Rent Day” promotion doubles your points on non-rent purchases (6x on dining, 4x on travel), making it the perfect time to maximize rewards.

Is Bilt Available in Canada?

For our neighbors up north wondering, “Is Bilt available in Canada?”—the answer, unfortunately, is no, not yet. Bilt Rewards is currently limited to the United States, with its Bilt Rewards Alliance covering over 4 million rental properties across the country. There’s no official word on Canadian expansion, but given Bilt’s rapid growth—processing $50 billion in annual rent payments and aiming for $1 billion in annual recurring revenue by Q1 2026—it’s not far-fetched to hope for future international availability.

For now, Canadian renters can explore similar rewards programs or check if their existing credit cards offer points on rent payments, though fees may apply. Stay tuned to Bilt’s official channels for updates on global expansion.

How to Start Earning Rewards for Paying Rent

Ready to get points for paying rent? Here’s a step-by-step guide to get started with Bilt:

1- Sign Up for Bilt Rewards: Download the Bilt app (available on iOS and Android) or visit biltrewards.com to create a free account. No credit card is required to join the loyalty program.

2- Check for Bilt Rewards Alliance: In the app, enter your address to see if your property is part of the Bilt Rewards Alliance. If it is, you can pay rent directly through the app. If not, Bilt’s BillPay feature lets you pay via check, ACH, or even Venmo, earning points regardless of your landlord’s payment preferences.

3- Apply for the Bilt Mastercard: For maximum rewards, apply for the no-annual-fee Bilt Mastercard. You’ll need to make at least five transactions per billing cycle to earn 1 point per dollar on rent (up to 100,000 points annually). Without the card, you’ll earn a flat 250 points per rent payment.

4- Link Your Accounts: Connect your Bilt account to partners like Lyft or dining programs to stack rewards. You can also link non-Bilt credit cards (Visa, Mastercard, Discover) to earn 1 point per dollar on rent, though a 3% fee applies after July 21, 2025.

5- Redeem Your Points: Use points for travel, dining, fitness, or even rent credits. For the best value, transfer points 1:1 to partners like Hyatt or United Airlines.

Is Bilt Worth It? A Commercial Perspective

For renters, the Bilt Rewards program is a no-brainer if you want to get points for paying rent without fees. The ability to earn up to 100,000 points annually with the Bilt Mastercard can translate to $2,000+ in value (based on 2.05 cents per point), especially if you redeem for travel. Even without the card, the free program offers 250 points per rent payment, which is better than nothing.

However, there are a few caveats:

• You must use the Bilt Mastercard at least five times per billing cycle to unlock full rewards. Otherwise, you’re capped at 250 points per rent payment.
• Non-Bilt credit cards incur a 3% fee for rent payments, which may outweigh the rewards unless you’re chasing a big sign-up bonus.
• If you don’t rent or your landlord doesn’t accept digital payments, the program’s value diminishes.
• For those who rent and want to maximize their spending, Bilt is a top contender among instant approval credit cards with unique benefits tailored to renters. Pair it with strategic spending on Rent Day, and you could be jetting off on a free vacation or slashing your next rent bill in no time.

Final Thoughts: Should You Join Bilt Rewards?

Bilt Rewards is a groundbreaking way to turn your rent—an expense you’re already paying—into a source of valuable rewards. With no transaction fees on rent payments, a no-annual-fee credit card, and a robust loyalty program, it’s a win for renters looking to earn rewards for paying rent. While it’s not yet available in Canada, U.S. renters can start earning points today and unlock a world of travel, dining, and financial perks.

Ready to transform your rent into rewards? Sign up for Bilt Rewards at biltrewards.com or download the app to explore how you can get points for paying rent. Have questions or experiences with Bilt? Drop them in the comments below, and let’s keep the conversation going!

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