Link: Apply now for the no annual fee Bilt Mastercard®
The Bilt Mastercard® (review) is a valuable no annual fee card that I applied for and hold onto. This allows you to pay your rent by credit card and earn rewards, even if your landlord doesn’t ordinarily allow no-fee credit card payments. For us homeowners, you can potentially even pay your HOA this way.
There are many innovative things about Bilt, including that there’s a Bilt Rent Day promotion on the first day of each month. With it now being a new month, I want to recap the details of the February 2025 Bilt Rent Day offer, since it’s now live. Fortunately there’s even a transfer bonus, which I’m sure many people will take advantage of.
In this post:
Details of the February 2025 Bilt Rent Day promotion
There are a couple of aspects to the Bilt Rent Day promotion, including the ability to earn bonus points (which is the same every month) plus at least one additional promotion.
Note that Bilt Rent Day promotions are generally valid from 12:00AM ET until 11:59PM PT, so technically you have around 27 hours to take advantage of them.
Earn 2-6x Bilt points on Rent Day purchases
Ordinarily the Bilt Mastercard earns 1-3x points per dollar spent, as you earn 3x points on dining, 2x points on travel, and 1x points on all other purchases. On the first day of each month, you earn double those rewards, meaning you earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent, where you earn 1x points).
With this offer, you can earn up to 1,000 bonus points each month. Keep in mind that you need to use your Bilt Mastercard five times each statement period in order to earn these points. It could be worth strategically making some purchases on the first day of each month to maximize this as much as possible.
Get an avianca lifemiles transfer bonus
Today (February 1, 2025), Bilt is offering a 20-100% bonus if you transfer points to the avianca lifemiles program. The size of the bonus that you get depends on your Bilt elite status. Specifically:
- Bilt Blue members can receive a 20% bonus
- Bilt Silver members can receive a 40% bonus
- Bilt Gold members can receive a 50% bonus
- Bilt Platinum members can receive a 100% bonus
There are lots of great uses of avianca lifemiles for redemptions on Star Alliance partners, so I’m sure many members will find this promotion to be worthwhile.
Bottom line
On the first day of each month, those with the Bilt Mastercard can take advantage of the monthly Rent Day promotion. In addition to earning up to double points for purchases, for February 2025, there’s the opportunity to take advantage of an avianca lifemiles transfer bonus of up to 100%. It’s always nice to see a transfer bonus being offered by the program, so if you’re interested, now is the time to make a transfer.
Do you plan on taking advantage of the Bilt Rent Day promotion for February 2025?
When did credit card use become tribal?
Why do people feel the need to justify/ defend their use of a credit card? Or, alternately, bash others use?
A no annual fee card with 3x on dining and transfer partners that include Hyatt, Alaska Airlines and United is pretty damn good to me.
Ben, are you saying that restaurants are 6X on Rent Day (up to 1000 bonus points)? And, if transferred at the 100 percent bonus rate it comes out to 12X? And, someone also earns fee-free points on rent at 1X, which could also be transferred for an effective 2X? What a rotten deal. No way. Those who bash the Bilt Card are absolutely right.
I'm a fan of the BILT card, but statements like "if transferred at the 100 percent bonus rate it comes out to 12X" are highly misleading. You're talking about one category on one day of the month.
BILT: great card for rent and four $2 Dunkin reloads per month. Terrible for general spend.
Terrible for general spend, but it has an identical structure as the CSP, which everyone gushes over.
It's a perfectly fine card for the majority of us who don't want to over-optimize every transaction and want 3x Hyatt/Alaska points when dining.
Agreed with Redacted & Taxi. For normal people who just want to earn points on rent/HOA fees and have a fun dinner with friends on the first of each month, there's literally no reason not to get this card. For those who go through life thinking every brand needs to be championed or hated like a football team well...
Nobody gushes over the spending structure of the CSP. They gush over the fact that it is the key to unlock the spending structures of the Freedom Flex and Ink Cash, that people actually do gush over. Bilt doesn't have anything like that.
The 12x is a bit misleading (although I do generally max out the $333 of restaurant spend on the first of every month - prepaid restaurants on Tock make this easy - and it could result in 12x on that $333 of spend), but what is the better option for rent? I'm not aware of any other fee-free method to earn transferable (or other useful) points on rent spend.