Bilt Mastercard® Review: Earn Points by Paying Your Rent – A Game Changer for Filipino Travelers
For many Filipino travelers, finding creative ways to earn travel points is essential to fulfilling those wanderlust dreams. Typically, you earn points from spending on flights, hotels, or dining out. But imagine if you could rack up valuable travel points just by paying your rent every month? That’s where the Bilt Mastercard® comes in—a game-changer in the credit card world. This unique credit card allows you to earn points for paying your rent, turning one of your largest monthly expenses into travel rewards.
In this blog, I’ll provide a comprehensive review of the Bilt Mastercard® and why it’s an incredible option for Filipino travelers. We’ll explore its key features, the benefits of earning points through rent, and how those points can help you travel more for less.
What is the Bilt Mastercard®?
The Bilt Mastercard® is the first credit card of its kind that allows you to earn points for paying rent with no extra fees. If you're renting, you know that rent payments take up a significant portion of your monthly budget, and being able to earn points from this expense is a massive perk. Plus, it works like a regular credit card, meaning you can earn points on other purchases like dining, travel, and everyday spending.
Key Features:
No Annual Fee: Unlike many other rewards credit cards, the Bilt Mastercard® charges no annual fee.
Earn Points on Rent: Pay your rent via the Bilt Rewards app or portal and earn 1 point per dollar on rent payments without incurring transaction fees.
Bonus Points on Dining and Travel: Earn 3 points per dollar spent on dining and 2 points per dollar on travel purchases.
Bilt Rewards Program: You can redeem your points for travel, rent credits, fitness classes, or even home down payments.
How Does the Bilt Mastercard® Work for Rent?
Here’s the best part: you don’t need your landlord to accept credit cards to use the Bilt Mastercard®. The way it works is simple—Bilt will send a check to your landlord on your behalf, and you’ll pay your rent with the card. No additional fees, no fuss!
This feature makes the card perfect for Filipino renters, whether you’re renting a condo in Makati, a house in Cebu, or even an apartment abroad. Imagine earning rewards on rent while saving up points to book your next flight to Boracay, Bali, or beyond.
Pro Tip: If you’re paying rent to a landlord that accepts online payments via credit card, you can still use the Bilt Mastercard® to avoid any additional fees usually associated with using a card for rent payments.
Earning Points with the Bilt Mastercard®
While rent payments are the highlight of the Bilt Mastercard®, you can also earn points on various other categories. Here’s a breakdown of how you can maximize your points:
1x Points on Rent Payments: You can earn 1 point per dollar spent on rent payments each month (up to 50,000 points per year).
3x Points on Dining: Every time you dine out or order food delivery, you’ll earn 3 points for every dollar spent.
2x Points on Travel: Book flights, hotels, or rideshares with the card and earn double points on these purchases.
1x Points on All Other Purchases: For everything else, you’ll earn 1 point per dollar spent.
Redeeming Points for Travel
What makes the Bilt Mastercard® especially appealing to Filipino travelers is how easily you can redeem your points for travel. The Bilt Rewards Program has several travel partners, including airlines, hotels, and even home-sharing platforms.
Some of the notable airline transfer partners include:
American Airlines AAdvantage
Cathay Pacific Asia Miles
Air France/KLM Flying Blue
Turkish Airlines Miles & Smiles
This means that by using your Bilt points, you can book flights on international airlines like Cathay Pacific and Turkish Airlines, both of which offer routes to and from the Philippines. You can transfer your Bilt points to these airline loyalty programs, allowing you to book flights to destinations across Asia, Europe, and beyond.
For accommodation, you can also redeem points with World of Hyatt, which has hotel properties all over the world, including popular destinations like the United States, Thailand, Japan, and Australia.
Pro Tip: Keep an eye out for promotions and bonuses when transferring points to airline partners. Some programs offer bonus miles during specific periods, which can maximize your travel redemption.
Other Redemption Options: Rent, Fitness, and More
While travel is the most appealing redemption for many, the Bilt Rewards program offers other ways to use your points:
Pay Your Rent with Points: If you prefer to save money on rent, you can redeem your points as rent credits.
Down Payment on a Home: Planning to settle down in the Philippines or abroad? You can use your Bilt points towards the down payment on a home.
Fitness Classes: You can redeem your points for fitness classes at select studios, perfect for health-conscious travelers.
No Foreign Transaction Fees – A Big Plus for Filipino Travelers
One of the best features of the Bilt Mastercard® is that there are no foreign transaction fees. For Filipino travelers exploring countries like Japan, the United States, or anywhere abroad, this means you won’t have to worry about paying extra fees when using the card overseas.
Most traditional credit cards charge a 2-3% fee on foreign purchases, but with Bilt, you can spend freely without incurring extra charges. This makes it an excellent choice for international travel, whether you're booking accommodations or dining abroad.
Additional Perks for Bilt Mastercard® Users
Beyond points and travel rewards, the Bilt Mastercard® comes with other valuable perks:
Travel Insurance: You’ll receive trip cancellation/interruption insurance, trip delay coverage, and baggage delay insurance, giving you peace of mind when you travel.
Purchase Protection: Get purchase protection on new items, with coverage against theft or damage.
Cell Phone Protection: Pay your phone bill with the Bilt Mastercard® and receive coverage for stolen or damaged phones.
Is the Bilt Mastercard® Right for You?
If you're a Filipino traveler who rents and loves earning travel points, the Bilt Mastercard® is an excellent option. Its unique ability to earn points on rent payments, combined with generous rewards for dining and travel, make it a fantastic tool for saving on future travel adventures.
Plus, with no foreign transaction fees and a robust travel rewards program, it's perfect for international trips. Whether you're saving up for a dream vacation in Europe or using your points to reduce monthly rent costs, the Bilt Mastercard® is a valuable addition to your wallet.
Final Thoughts
The Bilt Mastercard® is not just another credit card—it’s a game-changer for renters who want to maximize their travel rewards. Filipino travelers who are currently renting can turn one of their biggest expenses into free flights, hotel stays, or rent credits. With no annual fee, no foreign transaction fees, and solid travel perks, it’s worth considering for anyone who wants to make the most out of their everyday expenses.
So, if you're ready to start earning points for your rent and other purchases, it might be time to consider adding the Bilt Mastercard® to your travel toolkit!
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