In the dynamic world of credit cards, the Bilt Credit Card emerges as a standout choice, offering a seamless blend of simplicity, rewards, and added benefits. Tailored for those who pay rent, seek to enhance their credit, or simply desire a straightforward credit card experience, the Bilt card provides a range of features that set it apart from the competition. Let’s delve into the reasons why the Bilt Credit Card is making waves in the financial landscape.
Earn While You Pay Rent
One of the most enticing features of the Bilt Credit Card is its innovative approach to rent payments. Even if your landlord only accepts checks or ACH, you can earn points by using the card. Venmo and Paypal are also supported payment methods, ensuring flexibility in managing your expenses. Notably, any transaction fees associated with paying rent are waived, meaning you only pay your rent amount, a refreshing departure from older credit card payment methods.
Straightforward Rewards System
The Bilt Credit Card keeps things simple with a rewards system that aligns with everyday spending. Earn 3% on dining, 2% on travel, and 1% on rent as points, up to an impressive cap of 100,000 points per year. However, it’s crucial to use the card at least five times a month to unlock these rewards fully. Falling short of this requirement still earns you 250 points on rent paid through the Bilt App, making it an inclusive system for various usage patterns, but do not forget to swipe 5 times a month.
Travel-Friendly Features
For the avid traveler, the Bilt Credit Card offers a suite of benefits. No foreign exchange fees make it an ideal companion for international adventures. Additionally, users can enjoy secondary auto coverage on rentals, bringing an extra layer of security to their journeys. While the $5 Lyft credit may be considered a less significant benefit, it’s a welcome perk for those who frequently utilize rideshare services.
Trip Insurance with a No-Fee Card
Beyond the conventional rewards structure, the Bilt Credit Card goes the extra mile in providing added protection and value. Users benefit from up to $5,000 worth of trip cancellation and interruption coverage, offering financial security in case of unexpected events. The trip delay reimbursement feature provides up to $200 per day for up to three days on a trip delayed for at least 6 hours (up to $1,800 total for all covered travelers per trip).
Growing List of Transfer Partners
Bilt reward points can transfer to a growing list of travel partners which gives the cards benefits a leg up against some of the competition.
Airlines:
- American Airlines AAdvantage
- Avianca Lifemiles
- United MileagePlus
- Air France/KLM Flying Blue
- Virgin Red
- Emirates Skywards
- British Airways Executive Club
- Cathay Pacific
- Hawaiian Airlines HawaiianMiles
- Turkish Airlines Miles&Smiles
- Aer Lingus AerClub
- Iberia Plus
- Air Canada Aeroplan
Hotels:
- Marriott Bonvoy
- World of Hyatt
- IHG One Rewards
Cellphone Protection
In the age of smartphones, the Bilt Credit Card stands out by offering comprehensive cellphone protection. In case of damage or theft, users can be reimbursed up to $800 for repair or replacement after any coverage provided by primary insurance. While there is a $25 deductible and a limit of two paid claims per year, this perk surpasses the offerings of many other rewards cards with cellphone insurance, providing enhanced coverage and value.
Conclusion: Elevating Your Financial Experience
The Bilt Credit Card isn’t just a credit card; it’s a comprehensive financial solution that caters to the diverse needs of modern consumers. With its focus on rent payments, travel perks, and enhanced protection features, the Bilt card redefines the credit card experience. If you’re a renter and a frequent traveler, the Bilt Credit Card deserves a spot in your wallet alongside a high earning travel card that fits your needs.
