Linking Credit Cards to Bilt: Unlock Exclusive Benefits and Rewards

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Linking your credit cards to Bilt can be a game-changer for your rewards and benefits. By doing so, you can earn points or miles on your credit card that can be redeemed for travel, cash back, or other rewards.

Bilt offers exclusive benefits to users who link their credit cards, including the ability to earn 1% cash back on all purchases. This is in addition to any rewards you may already earn from your credit card issuer.

To get started, you'll need to link your credit card to your Bilt account. This typically takes just a few minutes and can be done online or through the Bilt app.

How Bilt Works

Bilt is a platform that allows you to pay rent and save for a down payment on a home without interest or fees.

You can link your credit card to Bilt to earn rewards and points on your rent payments, just like you would with any other purchase.

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Bilt doesn't charge interest or fees on your rent payments, so you can pay your rent over time without worrying about accumulating debt.

To link your credit card, you'll need to sign up for a Bilt account and add your credit card information.

Your credit card company will send you a statement each month showing the amount you've earned in rewards, which you can redeem for cash or other rewards.

Benefits of Bilt

Bilt offers a more lucrative earn rate than some airline and hotel dining programs.

The standard earn rate for Bilt is 5 points per dollar, which is better than the standard 3 miles per dollar offered by some airline programs.

You don't have to wait until you've completed 11 dining transactions in the calendar year to earn at this level with Bilt.

The restaurants that participate in Bilt are often better than those in other dining programs, making it more appealing to earn through the program.

Here's a comparison of the earn rates offered by Bilt and some airline programs:

Bilt points also transfer to United or American, among other programs, giving you more flexibility with your rewards.

Comparison and Value

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Linking credit cards to Bilt offers a range of benefits, including 1.5% to 5% cash back rewards, depending on the card issuer.

You can earn up to $500 in cash back rewards per year, which can be redeemed for statement credits or direct deposits.

The rewards are uncapped, meaning you can continue to earn cash back rewards without any limits.

Bilt also offers a credit score builder feature, which allows you to report your credit card payments to the credit bureaus, potentially helping to improve your credit score.

Valuable Transferable Currency

The Bilt Mastercard offers a valuable transferable points currency, allowing you to earn points on rent payments, travel, and dining.

You can earn double points on travel and triple points on dining, as long as you make at least 5 purchases per month.

Each Bilt point can be spent at 1.25 cents apiece towards travel through their portal or transferred 1:1 into various airline and hotel loyalty programs.

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Here are some of the airline and hotel loyalty programs you can transfer your points into:

  • Star Alliance: Air Canada Aeroplan, Turkish Miles & Smiles, United Airlines MileagePlus
  • oneworld: American AAdvantage, Cathay Pacific Asia Miles, British Airways Executive Club, Iberia Plus
  • SkyTeam: Air France KLM Flying Blue
  • Non-alliance: Emirates Skywards, Virgin Atlantic Flying Club, Hawaiian Airlines HawaiianMiles, Aer Lingus Aer Club
  • Hotels: Hyatt, IHG Rewards

You'll also receive free points for linking your frequent flyer accounts to Bilt, which can add up quickly.

A Hint of Things to Come

Bilt Rewards has the technology to identify card transactions at participating restaurants, which suggests they could expand into more areas beyond dining.

Gary Leff, an expert in miles, points, and frequent business travel, notes that Bilt Rewards' technology could be used for various shopping programs that don't rely on cookies, but rather card transactions.

This technology, like the American Airlines-Mastercard SimplyMiles program, has the potential to offer more earning opportunities for users.

Gary Leff, a co-founder of InsideFlyer.com and a renowned expert in consumer loyalty, has been a guest on major news media and published widely on the topic.

Bilt Dining Rewards: Up to 11x Points

You can earn up to 11x points at participating restaurants through the Bilt Dining rewards program. This program is available in dozens of cities across the U.S.

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To earn points, you need to link a card to your Bilt account, which can be any Visa, Mastercard, or American Express product. This is a free account, so there's no cost to sign up.

The linked card can be your everyday credit card, like the American Express Gold Card, which earns 4x points per dollar on worldwide restaurants. In this case, you'd earn 7x total points per dollar spent at a Bilt Dining restaurant.

Here's a breakdown of the points you can earn:

  • 5x points when you pay with a linked Visa, Mastercard, or American Express credit card
  • 8x points for Bilt World Elite Mastercard cardholders
  • 11x points for Bilt cardholders on Rent Day (the 1st of every month)

Frequently Asked Questions

Can you use other credit cards on Bilt?

Yes, you can link other credit cards, such as Visa, Mastercard, and American Express, to your Bilt account to earn rewards and benefits. Linking multiple cards can help you maximize your rewards and benefits.

Alan Donnelly

Writer

Alan Donnelly is a seasoned writer with a unique voice and perspective. With a keen interest in finance and economics, Alan has established himself as a go-to expert in the field of derivatives, particularly in the realm of interest rate derivatives. Through his in-depth research and analysis, Alan has crafted engaging articles that break down complex financial concepts into accessible and informative content.

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