Maximize Points: New Bilt 2.0 Cards for Rent, Mortgages, and More
With the launch of Bilt 2.0, cardholders can now maximize points through rent, mortgages, and everyday spending. The new card portfolio brings significant changes, providing opportunities for users eager to earn Bilt Points.
Key Features of Bilt 2.0 Cards
The new Bilt credit cards include three tiers, each tailored to different spending habits and needs:
- Bilt Blue Card
– Annual Fee: $0
– Welcome Bonus: $100 Bilt Cash upon approval
– First Five Days Offer: Earn 5 points per dollar (up to 50,000 points)
– Points Earning: 1 point per dollar on everyday spending. Up to 1 point on mortgage and rent payments. - Bilt Obsidian Card
– Annual Fee: $95
– Welcome Bonus: $200 Bilt Cash upon approval
– First Five Days Offer: Earn 5 points per dollar (up to 50,000 points)
– Points Earning: 3 points per dollar dining or grocery, 2 points on travel, and 1 point on everyday spending. - Bilt Palladium Card
– Annual Fee: $495
– Welcome Bonus: 50,000 Bilt Points plus $300 Bilt Cash after spending $4,000 in three months
– First Five Days Offer: Earn 5 points per dollar (up to 50,000 points)
– Points Earning: 2 points per dollar on all purchases, with up to 1 point on mortgage and rent payments.
Understanding Bilt Cash and Rewards
Bilt Cash is a new feature that enables users to earn points on housing payments without transaction fees. Here’s how it works:
Users earn 4% Bilt Cash on non-housing purchases. To earn points on rent or mortgage payments:
- For every $30 in Bilt Cash, earn 1 point per dollar on $1,000 of rent or mortgage payments.
- Spending more on everyday purchases increases Bilt Cash and maximizes earning potential on housing transactions.
How to Maximize Earnings
For those looking to capitalize on the benefits of Bilt 2.0 cards, here are some strategies:
- Spend at least 75% of your housing payment amount on everyday purchases to earn points on the full amount.
- Consider which card suits your spending habits based on the points earning structures.
- Utilize the welcome bonuses effectively to jumpstart your rewards earnings.
For example, by using the Bilt Palladium Card, an individual could earn approximately 90,000 Bilt Points annually by spending $2,250 monthly on everyday purchases and paying a $3,000 mortgage.
Are Bilt 2.0 Cards Right for You?
Deciding whether to adopt the new Bilt 2.0 cards depends on your monthly spending and reward priorities. The flexibility in earning Bilt Points through rent and mortgage payments can yield substantial rewards. Evaluate personal spending habits to determine the best fit.
As Bilt evolves its offerings, there are valuable opportunities for maximizing point accumulation and enjoying the advantages of the Bilt ecosystem. With the new cards, users can leverage their largest monthly expense for rewards, making them a compelling option for those with significant rent or mortgage commitments.
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