Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
21.49% - 29.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
21.49% - 29.49%(Verified 06/21/2024)
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Credit Score Range
670 - 800
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Annual Fee
$0
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Bilt Mastercard® Review
This is a rewards card issued by Bilt Rewards. If you're wondering whether Bilt is the right card for you, read on.
Check this product's latest "rates, terms, and disclosures" here.
--> Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- Earn Bilt Points on rent payments without a transaction fee, up to 100k points in a calendar year (see terms).
- High-end low-maintenance card. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a high end credit card, but you don't have to pay an annual fee for the privilege.
- Earn double points on Rent Day. Cardholders earn double points on Rent Day (the 1st of every month) up to 10,000 points – 6x points on dining, 4x on travel, 2x points on other purchases, 1x points on rent.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.49% up to 29.49%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Bilt Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Bilt
| The Good | The Bad |
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Bilt FAQ
Does Bilt have a cash back or rewards program?
Bilt is a travel rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | 3 x |
| Annual rewards limit | N/A |
Does Bilt have a signup bonus?
This card doesn't offer a cash signup bonus.Does Bilt offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Bilt benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Bilt?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Bilt Mastercard® has a variable purchase APR that ranges from 21.49% up to 29.49% . The card has a variable balance transfer APR that ranges from 21.49% up to 29.49% . It also has a variable cash advance APR of 28.99% .
Does Bilt have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Bilt have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Bilt?
The following fees apply:
| Fees | Amount |
| Annual Fee | $0 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Bilt?
The Bilt customer service number is .
What is the support contact email for Bilt?
The support contact email for Bilt is support@biltrewards.com.
What is the Bilt login page?
You can access the Bilt login page here.
How do people rate the customer service and user experience of Bilt?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bilt Mastercard® report your account activity to credit bureaus?
Yes, Bilt Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Bilt Rewards perform a hard credit pull?
Yes, Bilt performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bilt
- Visit the Bilt website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Bilt Mastercard® Disclosure: See terms (https://www.wellsfargo.com/credit-cards/bilt/terms/)
View Bilt Mastercard®'s published terms & conditions
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