The Bilt Mastercard is finally available after a long wait from the public. The credit card will earn you points for every dollar spent, which can be redeemed for rewards like flight upgrades and hotel stays too.

The “bilt credit limit” is the maximum amount of credit that a person can use on their Bilt Mastercard. The card will be able to earn points when you refer your friends to apply for one too.

Mastercard Bilt applications are now available, and you may earn points by referring friends.

on March 28, 2022 by Gary Leff

I am compensated for the content and several links on my site. Citibank, American Express, Chase, Barclays, and Capital One are all advertising partners on this site. My advertising partners have not reviewed, authorized, or supported any of the thoughts stated in this article. I don’t write about all credit cards; instead, I concentrate on miles, points, and cash back (and currencies that can be converted into the same). The offers and advantages described on this website are subject to the terms.


The Mastercard Bilt features no annual charge, allows you to earn up to 50,000 points per year without paying a fee by paying rent on your card, and gets double points on travel and triple points on eating. If you rent an apartment or a home, this card is a no-brainer, but even if you don’t rent, it’s a wonderful travel card and possibly the greatest no-annual-fee card.

The issue was that this new program couldn’t keep up with demand, therefore there was a waiting list to participate. Readers of this blog had access to an invite code that permitted them to bypass that list for a time. However, there has recently been no means to get the card.

Thankfully, that has changed. Wells Fargo is currently the issuer of Bilt. The program remains same, but they are capable of handling the increased traffic.

Several readers have inquired as to how they may get the card. I used to have a code that allowed me to bypass the line, but it was no longer valid. It was the most sought-after card that no one could get. However, you may now get it.

Renters receive points by paying rent, but you may think of their cobrand as a Sapphire Preferred without the annual fee even if you don’t pay rent. Bilt points were worth 1.7 cents each in my most recent appraisal.

It’s the first transferable points program in more than a decade to provide transfers to two of the country’s three major airlines: American Airlines and United Airlines.

  • Star Alliance Airlines: Air Canada Aeroplan, Turkish Miles & Smiles, United Airlines MileagePlus
  • Cathay Pacific Asia Miles and American AAdvantage are two of the oneworld airlines (starting mid-April)
  • Air France KLM Flying Blue is a SkyTeam airline.
  • Emirates Skywards, Virgin Atlantic Flying Club, and Hawaiian Airlines are non-alliance airlines. HawaiianMiles
  • Hyatt and IHG Rewards are some of the hotels available.

To earn points with the card, you must use it at least 5 times every month, which is simple to do — just divide your gas fill-up into 5 transactions if necessary. The idea is that they want you to use the card, which is quite reasonable. Even if your landlord doesn’t accept credit cards, you may use the app to pay rent and they’ll send you a check. This also comes at no cost to you. What is the value of that? Paying $50,000 in rent would cost $1425 in fees if you did it via Plastiq.com.

When you earn 25,000 points every year, you may earn interest on your unredeemed amount in the program, which is a really unusual feature. That doesn’t earn you a lot of points at today’s low interest rates, but it’s a built-in approach to build trust — your point balances increase rather than depreciate.

They’ve started a referral program now that the Mastercard Bilt is open to new applicants. The links in this article are affiliate links for me. Cardholders will locate theirs on the Bilt app, with a link to follow in the top right corner:

Bilt-Mastercard-Applications-Finally-Available-Earn-Points-Referring-Your-Friends

Bilt gives 25,000 points for every five successful referrals. Under this program, you may earn up to 1 million points for 200 successful recommendations (qualified for and using the card once).

This isn’t a significant bonus card right away. It’s the card that enables you earn points for what may be your single largest spend, and which you’re unlikely to earn any other way. And after you’ve used it for that, it’s the greatest no-annual-fee consumer rewards card available.

Mastercard Bilt

More From the Wing’s Perspective

The “bilt sign up bonus” is a new feature that will allow users to refer friends and earn points. The Bilt Mastercard applications are finally available, so you can start earning points too!

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  • bilt rewards
  • bilt application status
  • bilt 5 transactions
  • bilt rewards phone number
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