WELCOME GIRLS GOTTA EAT LISTENERS!

Earn points on rent.

The card that lets you earn points on rent, travel, dining, and more. Apply and start using right away*.

Earn points on rent.

The card that lets you earn points on rent, travel, dining, and more. Apply and start using right away*.

Earn points on rent.

The card that lets you earn points on rent, travel, dining, and more. Apply and start using right away*.

Use the card 5 times each statement period to earn points.

Apply Now

The card designed for renters.

The card designed for renters.

Double points on Rent Day.

6X on dining, 4X on travel, 2X on other purchases except rent. Terms apply to earn points. Use the card 5 times each statement period to earn points².

Double points on Rent Day.

6X on dining, 4X on travel, 2X on other purchases except rent. Terms apply to earn points. Use the card 5 times each statement period to earn points².

Double points on Rent Day.

6X on dining, 4X on travel, 2X on other purchases except rent. Terms apply to earn points. Use the card 5 times each statement period to earn points².

Redeem the most valuable points.

American Express

Chase

Redeem the most valuable points.

American Express

Chase

Best no-annual-fee credit card.

2023 Readers Choice Awards

Best no-annual-fee credit card.

2023 Readers Choice Awards

1X
1X

1X points on rent payments without the transaction fee¹. Pay through Bilt using the card, a check, or ACH directly from your checking account. Up to 100,000 points each calendar year.

2X
2X

2X points on flights, hotels, rental cars, and cruises¹. 5X points on Lyft rideshare, when you link accounts³.

3X
3X

3X points on dining¹¹. Up to 8X points at select Bilt Dining Restaurants.

Use the card 5 times each statement period to earn points.

All with a $0 annual fee.

All with a

$0 annual fee.

Card Features

Tap to Pay 

Brushed Metal Card

Instant Credit Line, upon Approval

Cellular Telephone Protection

Purchase security

No foreign currency conversion fee

Trip cancellation and interruption protection

Trip delay reimbursement

Auto rental collision damage waiver

Monthly Lyft Benefits¹¹

World Elite Mastercard Concierge¹²

Redeem your points with Bilt Rewards.

Bilt Mastercard® cardholders get access to Bilt Rewards, our premier loyalty program. Redeem points with our loyalty partners across travel, fitness, shopping, and more.

Get the card that's built for you.

Earn points on rent with no transaction fee¹, travel, dining, and more. Apply and start using your new Bilt card right after approval.

Apply Now

The safety and security you would expect from a card backed by Wells Fargo

Mastercard ID theft protection

Two factor authentication

24/7 support

Zero liability protection

FAQ

I don’t live in a Bilt Property. Can I still earn points on rent?

I pay rent by check / Paypal / Venmo / Zelle.. Can I still use the Bilt Mastercard?

My online portal charges a fee for credit cards. Will I be charged when using the Bilt Mastercard?

More FAQ

Bilt World Elite Mastercard® is issued and administered by Wells Fargo Bank N.A, pursuant to a license from Mastercard.

Mastercard is a federally registered service mark of Mastercard.

© 2023 Bilt Rewards. All rights reserved.

Back to Top

Read the Bilt World Elite Mastercard® Credit Card Agreement, Bilt World Elite Mastercard® Credit Card Guide to Benefits, and the Bilt World Elite Mastercard® Rewards Program Agreement Terms and Conditions to learn more.


Credit card is subject to credit qualification.


Bilt World Elite Mastercard® is issued and administered by Wells Fargo Bank N.A, pursuant to a license from Mastercard. Mastercard is a federally registered service mark of Mastercard.

1. Bilt Mastercard® earning structure

When you make at least 5 transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases (purchases minus returns /credits) for that statement period. Rent: You'll earn 1 rewards point per $1 spent on rent paid through the Bilt App or Website with your card account up to a maximum of One Hundred Thousand (100,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Rent payments can only be made to one rental property per month. Travel: 2 rewards points (1 base point plus 1 bonus point) are earned per $1 spent on qualifying net purchases made directly at retailers whose Merchant Code for Mastercard is classified as airlines, hotels, motels, resorts, cruise lines, and car rental agencies. Dining: 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on qualifying net purchases at retailers whose Merchant Code for Mastercard is classified as eating places and restaurants, drinking places, bakeries, or fast food restaurants. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other qualifying net purchases. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App or Website. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, Balance Transfers, SUPERCHECKS™, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, and casino gaming do not earn points. Refer to the Bilt World Elite Mastercard® Credit Card Rewards Program Agreement Terms and Conditions for details.

2. Double Points on Bilt Mastercard

This promotional offer is valid on the 1st of every month, from 12am ET through 11:59pm PT, unless notice is provided to you at least 60 days in advance via email. For a purchase to qualify for this offer, the transaction must be made and the merchant must submit charges to your credit card on the first day of the month. You will earn 6 rewards points (3 bonus points) for every $1 spent on net dining purchases (purchases minus returns/credits), 4 rewards points (2 bonus points) for every $1 spent on net travel purchases (purchases minus returns/credits), and 2 rewards points (1 bonus point) for every $1 spent on net purchases of anything outside of rent, travel, and dining (purchases minus returns/credits), subject to the Bilt World Elite Mastercard® Credit Card Rewards Program Agreement Terms and Conditions. The maximum amount of bonus points you can earn under this promotion is 10,000 per month, regardless of how much you purchase. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You must make at least 5 transactions in a statement period using your Bilt Mastercard to earn points, including bonus points for this promotional offer. It may take up to seven (7) days for bonus points earned through this offer to post to your account. To qualify for this promotional offer, your Bilt Mastercard account must be open and not in default at the time of fulfillment. Should you receive points on an ineligible purchase, Bilt may deduct those points at its discretion.

3. Lyft x Bilt Terms and Conditions

Bilt Mastercard x Lyft – up to 5x points disclosure

This offer is valid on transactions made beginning on March 8, 2023 and will continue unless notice is provided to you 60 days in advance. Bilt Mastercard® cardholders (“Cardholders”) will earn 3 points (1 base point plus 2 bonus points) per dollar spent on net purchases (purchases minus returns/credits) on Lyft rideshare (Standard, Wait & Save, Priority Pickup, Shared, Preferred, Lyft XL, Lux, Lux Black, and Lux Black XL), bikes, and scooters booked and completed through the Lyft app when using the Bilt Mastercard as the payment method. To earn the 3 points, Cardholders do not need to link their Bilt Rewards and Lyft accounts. This offer is not subject to the 5 transaction minimum requirement each statement period to earn 3 points, but the transaction(s) do count towards the 5 transaction minimum requirement for other earnings. To qualify for 3 points, the Bilt Mastercard account must be open and not in default at the time of fulfillment. This offer excludes cancellation charges, damage charges, and round up and donate charges. It may take up to seven (7) days after qualifying purchases for points to post to the Bilt Rewards account. If Bilt determines points were awarded towards an ineligible purchase, Bilt may revoke those points at any time at its discretion. When Cardholders link their Bilt Rewards account to the Lyft platform and set Bilt as the active loyalty partner, they will earn 2 points per dollar spent on net purchases on rideshare booked and completed through the Lyft app, excluding bike and scooter services, Lyft pass credits not issued by Bilt Rewards, and Lyft Concierge Rides. Cardholders will earn 2 points per dollar spent on Lyft Pass credits that are issued directly by Bilt Rewards. In order to link the Lyft platform and Bilt Rewards accounts, the phone number from the Lyft platform account must match the phone number on the Bilt Rewards account. When booking and completing a rideshare, Cardholders have the ability to combine these offers to earn up to the 5x points through linking the Bilt Rewards and Lyft accounts and by using the Bilt Mastercard to pay for the ride. This offer is valid for continental US rides only, and excludes US territories. This offer is subject to the Bilt Mastercard Rewards Terms and Conditions, Bilt Rewards Program Terms and Conditions and the Lyft Terms and Conditions.

4. Bilt Dining Terms and Conditions

Bilt Dining – Bilt Rewards 5X points offer

This promotional offer is valid on transactions made beginning on April 18, 2023. Bilt Rewards members will earn 5x points for every dollar spent on net purchases (purchases minus returns, credits and other discounts) at Bilt Dining restaurants paid using any eligible card on file in the member’s Bilt Wallet (must be a Visa®, Mastercard®, or American Express® card). The eligible card must be active in their Bilt Wallet at the time of payment in order to qualify for this offer. Bilt Members can access the current list of Bilt Dining restaurants in the Dining tab of the Bilt app. Bilt Members are not required to make reservations in order to earn points at Bilt Dining restaurants. Bilt Members are unable to make reservations through the Bilt app and should contact the restaurant or use a reservation platform directly. This offer will not apply to transactions that are deemed to be “large parties" or "events" based on individual restaurants' dining policies or transactions that are processed by entities other than restaurants such as any third-party marketplaces or online ordering platforms. You may not receive the points if we receive inaccurate information or are otherwise unable to identify your purchase as qualifying for the offer. It may take up to seven (7) days after qualifying purchases for your Bilt Rewards points to post to your account. Should you receive Bilt Rewards points on an ineligible or returned/cancelled purchase, Bilt may revoke those points at any time at its discretion. This offer is subject to the Bilt Rewards Program Terms and Conditions and is provided “as is” with no warranty or guarantee, either express or implied. Bilt reserves the right to modify or revoke this offer at any time.

5. Cellular Telephone Protection

Cellular Telephone Protection can reimburse the eligible Bilt World Elite Mastercard® Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Bilt World Elite Mastercard Credit Card. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Bilt World Elite Mastercard Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Bilt World Elite Mastercard Credit. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/biltbenefits.


Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Bilt World Elite Mastercard Credit Card to get up to $800 protection.

6. Purchase Security

Coverage in excess of any other coverage, and receipt and other documentation are needed. Benefit may be used in the event of theft or damage of the eligible item. Theft or damage must occur within the first 90 days from the date of purchase, and eligible item must be purchased entirely with your Bilt World Elite Mastercard®. Benefit is paid at Benefit Administrator's discretion. A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt World Elite Mastercard® Guide to Benefits for details.

7. Trip Cancellation & Interruption Protection

Cardholders can receive reimbursement for the cost of scheduled common carrier passenger fare in the event the trip must be canceled or interrupted because of a covered reason. The entire fare, less redeemable certificates, vouchers, or coupons, must be paid with your Bilt World Elite Mastercard®. A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt World Elite Mastercard® Guide to Benefits for details.

8. Trip Delay Reimbursement

Coverage is provided in excess of other insurances for reimbursement of trip delay expenses incurred after the initial delay of 6 hours, up to $200 per day per covered traveler and up to a maximum amount of $1,800 for all covered travelers per trip, when a trip delay is caused by an eligible reason. Coverage begins on the trip departure date and ends on the trip completion date. Eligible trip delay expenses are covered for you, your spouse or domestic partner and your dependent children traveling on the trip, when you charge the covered traveler’s trip to your eligible Wells Fargo credit card. For New York residents, your eligible Wells Fargo credit card must be used to pay for the expenses incurred during the delay. Certain exclusions, restrictions, and limitations apply. Refer to the Bilt World Elite Mastercard® Guide to Benefits for further information.

9. Auto Rental Collision Damage Waiver

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Bilt World Elite Mastercard® to secure transactions. Please refer to your Bilt World Elite Mastercard® Guide to Benefits for details.

11. Lyft Credits

Take 3, Get $5: Beginning 4/1/21 and running through 3/31/24, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit"). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An "Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service at https://www.lyft.com/terms, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.

12. World Elite Mastercard Concierge

This benefit may be subject to change without prior notice. Please visit www.mastercard.us/worldelite or call 1-800-Mastercard (1-800-627-8372) for the latest benefit.