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Bilt World Elite Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 28.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 28.99% (Variable)
Balance Transfer
20.99% ‐ 28.99% (Variable)
Balance Transfer
20.99% ‐ 28.99% (Variable)
1 - 3 points
1 - 3 points
Signup Bonus
Signup Bonus

Informr score
The Bilt World Elite Mastercard® currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Bilt World Elite Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


This card is the first to let you pay for your rent without having to deal with transaction fees. But for maximum value, make sure to pair it with a card that has high-earning bonus categories that fit your spending habits.

- Robert Thorpe, Bankrate

The Bilt Mastercard has quickly gained popularity since it launched in 2022 and it’s easy to see why. The card has been dubbed a game-changer because it offers rewards on rent payments, without transaction fees. Between generous category bonuses and premium travel perks, Bilt has created a card that...

- Ariana Arghandewal, SlickDeals

Paying your rent with the Bilt Mastercard® is one of the best (and only) ways to earn back on what’s likely your single biggest monthly expense, without paying a hefty third-party processing fee.

- Ashley Barnett, MoneyUnder30

The Bilt Mastercard is perfect for renters and people saving up for their next home. Not only do you earn points on monthly rent, but you also get rewarded for travel and dining.

- India Davis,

If you want to earn rewards on rent payments, the Bilt Mastercard might be the way to go. Credit cards aren’t always accepted for rent payments and if they are, they often come with heavy processing fees. But because the Bilt Mastercard doesn’t have these fees and also has a $0 annual fee, it’s like...

- Ben Walker, FinanceBuzz


Interest Rates
Regular APR Interest Rate 20.99% ‐ 28.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 20.99% ‐ 28.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 28.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent

On eating places and restaurants, drinking places, bakeries or fast food restaurants

Gas No
Groceries No
Hotels 2 points per $1 spent

On hotels, motels, and resorts

Travel 2 points per $1 spent

On airlines, cruise lines, and car rental agencies

Pharmacy No
Bills No
Additional Details
  • 1 point per $1 spent on rent paid through the Bilt App with your card account up to a maximum of Fifty Thousand (50,000) points each calendar year.
  • In addition to your 1x points on rent, get double points on all other purchases on the 1st of the month. Up to 10,000 bonus points each Rent Day.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Trip cancellation & interruption
  • Trip delay reimbursement
  • Take 3 rides in one calendar month, get a $5 Lyft credit with your Bilt Mastercard.
  • Get a 3-month DashPass membership for free as a new member with your Bilt Mastercard. Plus, both new and existing members get $5 off their first 2 orders each month.
  • Cell phone protection
  • Mastercard ID Theft Protection™
  • Mastercard Global Service
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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