Bilt Credit Card

Bilt 2.0: The Simple, Smarter Way to Earn Points on Rent, Mortgage, and Everyday Spending

Bilt changed the game by letting renters earn points on their housing payments. Now with Bilt 2.0, the program is even more streamlined. Whether you’re renting an apartment, helping a college student with housing, or looking for a flexible travel rewards card, Bilt 2.0 makes earning points easier and more predictable than ever.

This guide breaks down the new Bilt system, the differences between Bilt Blue, Bilt Obsidian and Bilt Palladium, and how to use the card to unlock real travel value

A Simpler System: How Bilt 2.0 Works

Bilt 2.0 introduces a simpler, clearer way to earn points on rent or mortgage payments. Instead of complicated tiers or hidden requirements, Bilt now uses Bilt Cash to unlock points on your housing payments.

How Bilt Cash Works

  • Every dollar you spend earns 4% back in Bilt Cash
  • Every $1 in Bilt Cash unlocks 100 Bilt Points toward rent or mortgage
  • The formula is simple: Spend $75 → Unlock points on $100 of rent or mortgage

This makes it easy to know exactly how much you need to spend each month to earn points on your housing payment.

Examples

  • $1,000 rent → $750 monthly spend
  • $2,600 mortgage → $1,950 monthly spend
  • $3,000 mortgage → $2,250 monthly spend

No guessing. No hidden tiers. Just a clean, predictable system.ow much you need to spend each month to earn points on your housing payment.

Example:

  • $1,000 rent → $750 monthly spend
  • $3,000 mortgage → $2,250 monthly spend

No guessing. No hidden rules. Just a clean, predictable formula.

Bilt Blue Card (No Annual Fee)

The standard Bilt Mastercard remains one of the strongest no‑annual‑fee cards available.

Key Benefits

  • $0 annual fee
  • 3x dining
  • 2x travel
  • 1x everywhere else
  • 4% Bilt Cash on all spend
  • No fees on rent payments
  • Strong transfer partners
  • Rent Day bonuses on the 1st of each month

This is the entry point into the Bilt ecosystem and the foundation of Bilt 2.0.

Bilt Obsidian (Premium, $95 Annual Fee)

Bilt Obsidian is the upgraded version of the standard Bilt card. It’s designed for people who want stronger multipliers and better travel value without jumping into ultra‑premium territory.

Key Benefits

  • $95 annual fee
  • 4x dining
  • 3x travel
  • 2x everywhere else
  • Priority customer support
  • Enhanced Rent Day bonuses
  • Better transfer partner access

Obsidian is ideal for renters or homeowners who want more earning power but don’t need luxury perks.

Bilt Palladium (Ultra‑Premium, $495 Annual Fee)

Bilt Palladium is the top tier of the Bilt ecosystem. It’s built for heavy spenders who want maximum earning potential and premium travel benefits.

Key Benefits

  • $495 annual fee
  • 2x dining
  • 4x travel
  • 2x everywhere else
  • Premium customer support
  • Exclusive Rent Day multipliers
  • Luxury partner access
  • Elite‑tier travel protections

Palladium is best for travelers who consistently redeem for high‑value flights and want the strongest earning structure Bilt offers.

Zero Fees on Rent Payments

Bilt remains the only major rewards program that lets you pay rent without transaction fees. You can pay your landlord using:

  • A checking and routing number
  • ACH
  • Bilt’s payment portal

You earn points without paying extra, which is a major advantage over traditional rent‑payment services.

Travel Partners That Matter

Bilt’s transfer partners rival the best programs in the industry. These partners make your rent points genuinely useful for real travel.

Airline Partners

  • Atmos (Alaska Air/Hawaiian Air)
  • United
  • Air France/KLM
  • Virgin Atlantic
  • Aeroplan
  • British Airways
  • Hawaiian Airlines

This gives you access to domestic flights, international business class, and premium redemptions across multiple alliances.

Hotel Partners

  • Hyatt
  • IHG

Hyatt remains one of the most valuable hotel transfer partners in any rewards ecosystem.

Rent Day Bonuses

On the 1st of each month, Bilt offers Rent Day promotions that often include:

  • Bonus multipliers
  • Transfer partner boosts
  • Limited‑time offers
  • Games and challenges for extra points

Rent Day is one of the easiest ways to accelerate your earning.

Which Bilt Card Should You Choose?

Bilt Mastercard (No Annual Fee)

Best for renters, students, and anyone who wants a simple, free way to earn points on housing payments.

Bilt Obsidian ($95)

Best for people who want stronger multipliers and better travel value without paying a premium fee.

Bilt Palladium ($495)

Best for heavy spenders who redeem for premium travel and want maximum earning power.

Final Thoughts

We currently use Bilt Obsidian, and the simplicity of Bilt 2.0 has made it easier than ever to earn points on our mortgage. With the new Bilt Cash system, we know exactly how much we need to spend each month to unlock points on our housing payment. There’s no guessing, no complicated tiers, and no hidden requirements. We simply put our everyday spending on Obsidian, earn 4% back in Bilt Cash, and use that to unlock points on our mortgage at a predictable ratio.

For us, Obsidian strikes the perfect balance: a reasonable annual fee, stronger multipliers (Dining 3x or Groceries 3x) than the no‑fee card, and enough earning power to consistently cover our mortgage with points. It’s a straightforward system that turns a major monthly expense into real travel value—without needing to juggle multiple cards or chase confusing bonus categories.

Whether you choose the no‑annual‑fee Bilt Mastercard, the upgraded Obsidian, or the ultra‑premium Palladium, Bilt 2.0 makes earning points on rent or mortgage simple, predictable, and genuinely rewarding. If you’re looking for a card that converts everyday spending into meaningful travel opportunities, Bilt 2.0 delivers exactly that.