Guía de emisor y programa
Tarjetas de crédito Bilt Rewards — guía 2026
The only major card that earns transferable points on rent without a 3% fee. Best for renters and mortgage-payers.
Respuesta rápida
Bilt Rewards is the only US credit card that lets you pay rent (or mortgage) with a credit card without the typical 2.5–3% processing fee, AND earns transferable points on that payment. Points transfer 1:1 to 5+ airlines and 5+ hotels including Hyatt — making rent-paying earn at ~3.5 cpp realised value for skilled redeemers. The card is no-annual-fee, requires 5 transactions per statement period to earn points on rent, and is issued by Wells Fargo (so it carries WF's standard underwriting).
Todas las tarjetas Bilt Rewards (3)
Ordenadas por el valor estimado del bono de bienvenida (mayor primero). Toca cualquier tarjeta para ver la reseña completa y la oferta vigente.
Bilt
Bilt Palladium
Valor de bienvenida
~$1,100
Cuota anual
$495
Bilt
Bilt Obsidian
Valor de bienvenida
~$200
Cuota anual
$95
Bilt
Bilt Blue
Valor de bienvenida
~$100
Cuota anual
$0
En qué destaca Bilt Rewards
- ✓Only US credit card that earns transferable points on rent without a 3% fee.
- ✓Points transfer 1:1 to Hyatt, American AAdvantage, Air France/KLM, Alaska, Virgin Atlantic, Hilton, Marriott, IHG, and more.
- ✓No annual fee — rare for a card with this points-transfer roster.
- ✓Bilt Day (1st of each month) doubles category multipliers — 6× dining, 4× travel.
Las desventajas
- ⚠Need 5 transactions per statement period to earn ANY points (including rent) — easy to hit but a watchout.
- ⚠Wells Fargo underwriting — approvals can be choppy if you're thin-file or have recent inquiries.
- ⚠Base earn (1× / 2× / 3×) modest outside Bilt Day; the rent earn is the real lever.
- ⚠No premium-tier card yet (Bilt Reserve was rumored 2025 → still unreleased as of mid-2026).
Comparaciones populares de Bilt Rewards
Los enfrentamientos que nuestros lectores realmente buscan, ordenados por volumen de búsquedas.
Preguntas frecuentes sobre Bilt Rewards
How does Bilt let me pay rent without a 3% fee?
Bilt has direct partnerships with major property managers (Greystar, AvalonBay, etc.) for in-network ACH. For out-of-network landlords, Bilt generates a paper check or ACH on your behalf — the cost is absorbed by Bilt as a customer acquisition cost. You earn 1× points (3× on Bilt Day) on the rent amount.
Do I need 5 transactions per month to earn rent points?
Yes — 5 transactions per statement period are required to earn ANY points that month, including the rent earn. Small transactions count (coffee, parking) so it's easy to clear if you actively use the card. If you don't hit 5, the rent payment still goes through but earns 0 points.
Bilt vs Chase Sapphire Preferred — which one?
See /compare/bilt-rewards-vs-chase-sapphire-preferred for the full breakdown. Short version: if you rent, Bilt earns ~$15–$50/month MORE in points than CSP (depending on your rent), no annual fee, and transfers to most of the same partners (including Hyatt). CSP wins on welcome bonus value, broader merchant categories (3× dining always, not just Bilt Day), and the Sapphire ecosystem benefits.
Can I pay mortgage with Bilt?
Yes — Bilt added mortgage payments in 2024 (capped at $100k/year, $200k/year cap on the Bilt Card). Earn rate matches rent (1× / 3× on Bilt Day). For mortgage-payers this is a quiet but huge lever.
Does Bilt have a welcome bonus?
Bilt is famously SUB-light — historically 2.5k–5k Bilt points (~$50–$100 value) compared to $750–$1,200 from competing transfer cards. The card's value is ongoing rent-earn, not the welcome bonus.
Are Bilt points worth chasing as a non-renter?
Probably not. If you don't rent and don't carry a mortgage, the only way to earn Bilt points is 1× / 2× / 3× on dining, travel, groceries — comparable rates to CSP / Amex Gold, with worse welcome bonuses. The value lever is rent / mortgage.
Haz los cálculos para tu situación
Estas calculadoras usan los mismos datos que este guía.
Guías relacionadas
Explicaciones detalladas que profundizan en la estrategia de Bilt Rewards.
Bilt Card 2.0: cómo funciona la regla de 5 transacciones (guía 2026)
Bilt cerró la tarjeta original en febrero 2026 y la reemplazó por tres nuevas — Blue, Obsidian y Palladium — que ahora también acumulan en pagos de hipoteca. Aquí está exactamente cómo funciona el nuevo sistema, cuánto necesitas gastar, y cuál tarjeta es la correcta para ti.
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Cómo Alquilar un Apartamento en EE. UU. Sin Historial Crediticio (2026)
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Cómo transferir Bilt Rewards a World of Hyatt (guía 2026)
La transferencia instantánea 1:1 que da a los titulares Bilt el segundo (de dos) camino a Hyatt — Park Hyatt Tokio a 25K points/noche, tabla fija, sin AF.
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Otros ecosistemas a considerar
La mayoría de las estrategias de puntos combinan 2-3 de estos programas.
World of Hyatt
The transferable-points sweet spot — Chase UR + Bilt both transfer 1:1, peak award nights run 3–5 cpp at Park Hyatt / Andaz properties.
Abrir
Chase
The transferable-points programme with the best hotel redemption — Ultimate Rewards transfers 1:1 to World of Hyatt. Best for travellers under 5/24.
Abrir
American Express
The premium-perks issuer — Centurion Lounges, FHR hotel credits, 21+ transfer partners. Best for travelers willing to pay for credits.
Abrir
Última revisión
2026-05-30
Fuentes de datos
Páginas de emisores, tablas públicas de premios, valoraciones mensuales de TPG.
Metodología
Nota editorial: CreditPoints puede ganar una comisión cuando solicitas a través de algunos de los enlaces de esta página, pero el orden del directorio, los pros/contras y la Respuesta rápida son algorítmicos e idénticos para todos los lectores. Nunca aceptamos pagos para cambiar el orden.