Why you should still care about Bilt Rewards even if you don’t want one of its credit cards

Background Wave Pattern Quick summary You can earn Bilt points on rent payments without holding a Bilt credit card if your apartment complex participates and allows outside cards. Rent payments through Bilt may incur a 3% transaction fee, but you also earn rewards from your linked credit card. Bilt points can be earned on Lyft rides and at select merchants, and can be transferred to various travel partners including airlines and Amtrak. A Bilt credit card may be needed to pay a mortgage or avoid transaction fees, but is not required for basic point earning and transfers. What to consider Not all apartment complexes allow rent payments with any credit card through Bilt; some may require a Bilt card. A 3% transaction fee applies to rent payments made through Bilt with non-Bilt cards, which can impact the value of rewards earned. Base-level Bilt members must transfer at least 2,000 points at a time to partners, while higher tiers have a 1,000-point minimum. What you'll miss from the article Detailed strategies for maximizing rewards on rent, Lyft, and other expenses without a Bilt credit card, plus tips for choosing the best payment method. Generated by AI with support from our editorial team. Show summary