Must you pay your hire or mortgage with Bilt? We crunch the numbers

One of many greatest month-to-month bills for a lot of customers is their hire or mortgage fee. Some landlords and mortgage suppliers might settle for bank card funds. However, since Bilt Rewards provides a fee-free method to pay most hire and mortgage funds and earn Bilt Factors in your funds, it is value contemplating.

Not a member? Be a part of Bilt Rewards now to start out incomes and redeeming Bilt factors.

Bilt factors are a invaluable forex primarily based on TPG’s February 2026 valuations. So this is what it’s good to find out about incomes Bilt factors on hire and mortgage funds, together with whether or not it is a good suggestion to take action.

Tips on how to earn Bilt factors on housing funds with out utilizing a Bilt card

You’ll be able to earn Bilt factors on hire and mortgage funds even when you do not have a Bilt card.

Particularly, in case you pay hire by means of Bilt with a non-Bilt Visa, Mastercard, American Categorical or Uncover bank card, you will normally earn 1 level per $2 spent (excluding hire fee charges).

Nevertheless, in case you pay your hire by means of Bilt utilizing an eligible Atmos Rewards card, you will earn 3 Atmos Rewards factors per greenback spent on every hire fee (on as much as $50,000 per yr). And in case you pay your hire by means of Bilt utilizing an eligible United MileagePlus card, you will earn 2 United Airways miles per greenback spent on every hire fee (on as much as $50,000 per yr).

If you happen to pay hire by means of Bilt with a debit card or another kind of bank card, you will earn 250 factors per month-to-month hire fee.

In the meantime, in case you pay your mortgage by means of Bilt with out utilizing a Bilt card, you will earn 100 factors per contractual mortgage fee made through automated clearing home switch, 250 factors per fee made with a debit card and 1 level per $2 spent per fee with a non-Bilt Mastercard (excluding mortgage fee charges).

Non-Bilt playing cards incur a 3% processing price, although, whereas debit card funds incur a flat $9.95 price.

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Associated: New Bilt 2.0 playing cards have arrived: How one can earn factors on hire, mortgages and extra

Utilizing a Bilt card to earn factors on housing funds

Fortunately, you possibly can earn extra factors on housing funds and keep away from charges by utilizing a Bilt card.

When you’ve got the Bilt Blue Card (see charges and costs), Bilt Obsidian Card (see charges and costs) or Bilt Palladium Card (see charges and costs), you will earn Bilt factors on nonhousing purchases together with your card.

However cardholders additionally earn bonus rewards, and these rewards can allow you to earn Bilt factors on housing funds with none transaction charges. The bonus rewards are Bilt Money or housing-only rewards, and you will need to select considered one of these while you activate your card. Nevertheless, you possibly can change your bonus rewards alternative every month.

This is a take a look at every possibility, together with how every enables you to earn Bilt factors on housing funds. No matter your alternative, needless to say your hire or mortgage fee won’t be utilized to your Bilt card’s credit score line. As a substitute, Bilt will robotically debit the hire or mortgage prices out of your checking account through an automatic clearing home switch.

The Bilt Money pathway to incomes Bilt factors on housing funds

If you happen to go for the Bilt Money pathway to incomes Bilt factors on housing funds, you will earn 4% again in Bilt Money on all nonhousing purchases together with your Bilt card. You’ll be able to then redeem Bilt money for numerous rewards, together with unlocking Bilt factors on housing funds. You’ll be able to redeem Bilt Money at a charge of three cents per level to unlock as much as 1 level per greenback spent on Bilt housing funds every month.

So, in case your month-to-month housing fee is $1,000, you could possibly redeem as much as $30 of Bilt Money per 30 days to unlock as much as 1,000 Bilt factors per 30 days. You’d must spend $750 on nonhousing purchases together with your Bilt Card to earn $30 of Bilt Money.

Associated: Every little thing it’s good to know to arrange your Bilt card for paying hire

The housing-only rewards pathway to incomes Bilt factors on housing funds

If you happen to go for the housing-only rewards pathway to incomes Bilt factors on housing funds, you will not earn Bilt Money on nonhousing purchases together with your Bilt card. Nevertheless, you’ll robotically earn Bilt factors on Bilt housing funds with no transaction price.

The speed at which you earn factors on Bilt housing funds is predicated in your on a regular basis spending as a proportion of your month-to-month hire or mortgage, as follows:

• Lower than 25%: 250 Bilt factors per billing cycle
• Not less than 25%, however lower than 50%: 0.5 factors per greenback spent on Bilt housing funds
• Not less than 50%, however lower than 75%: 0.75 factors per greenback spent on Bilt housing funds
• Not less than 75%, however lower than 100%: 1 level per greenback spent on Bilt housing funds
• Not less than 100%: 1.25 factors per greenback spent on Bilt housing funds

So, in case your month-to-month housing fee is $1,000, you’d must spend at the very least $1,000 per 30 days in nonhousing bills in your Bilt card to earn 1.25 factors per greenback spent in your Bilt housing fee (which might be 1,250 factors). In the meantime, in case you spent at the very least $750 however lower than $1,000 per 30 days, you’d earn 1 level per greenback spent in your Bilt housing fee (1,000 factors). In fact, the quantity you’d must spend on nonhousing bills adjustments relying in your month-to-month housing fee.

Associated: I earned factors paying my mortgage through Bilt — how you can arrange your account to do the identical

Must you select Bilt Money or housing-only rewards?

The calculation of whether or not to decide on Bilt Money or housing-only rewards is predicated in your month-to-month housing fee, how you will redeem Bilt Money and the way a lot you spend on nonhousing purchases together with your Bilt card.

I extremely advocate utilizing our Bilt Calculator to see what’s greatest for you. However, in case you favor, you can too try the next situations to see how the maths performs out. In every state of affairs, we give attention to month-to-month nonhousing spending quantities across the thresholds for housing-only rewards, as that is the place you possibly can see the most important variations.

Month-to-month housing fee of $500

Assuming you will have a month-to-month housing fee of $500, this is how the maths would work out for each Bilt Money and housing-only rewards.

Month-to-month housing fee of $1,000

Assuming you will have a month-to-month housing fee of $1,000, this is how the maths would work out for each Bilt Money and housing-only rewards.

Month-to-month housing fee of $2,000

Assuming you will have a month-to-month housing fee of $2,000, this is how the maths would work out for each Bilt Money and housing-only rewards.

Month-to-month housing fee of $4,000

Assuming you will have a month-to-month housing fee of $4,000, this is how the maths would work out for each Bilt Money and housing-only rewards.

Takeaways

• Select housing-only rewards for the 250 Bilt factors per billing cycle in case you plan to spend lower than $137.50 ($187.50 in case you’d redeem factors to unlock Bilt factors on housing funds) on nonhousing purchases together with your Bilt card every month.
• It is usually higher to pick housing-only rewards in case you’ll purpose your month-to-month nonhousing spending in your Bilt card to barely surpass the 25% or 50% thresholds for the ratio of nonhousing spending to housing spending.
• When you surpass the 50% threshold for the ratio of nonhousing spending to housing spending, you will normally be higher off incomes Bilt Money.

Take into account that the calculation additionally will depend on whether or not you will redeem Bilt Money to unlock factors on housing funds. In any case, whereas TPG’s February 2026 valuations peg the worth of Bilt factors at 2.2 cents every, you possibly can solely unlock Bilt factors on housing funds by redeeming Bilt Money at a charge of three cents per level.

Associated: How good are Bilt’s first-ever welcome provides? Earn as much as 50,000 factors

Must you pay your hire or mortgage with Bilt?

When you’ve got month-to-month hire or mortgage funds, it might make sense to get a Bilt card and use it to pay your hire or mortgage. In any case, you do not have to pay transaction charges on housing funds when you will have one of many three Bilt playing cards and also you let Bilt debit the hire or mortgage prices out of your checking account through an automatic clearing home switch. Plus, you possibly can earn Bilt factors in your housing funds.

Alternatively, when you’ve got an eligible Atmos Rewards card, you could wish to use it when paying hire by means of Bilt as you will earn 3 Atmos Rewards factors per greenback spent on every hire fee (on as much as $50,000 per yr). You may must pay a 3% transaction price, however this price could also be value paying in case you get good worth when redeeming Atmos Rewards factors.

Briefly, think about your different choices for paying your hire or mortgage and assess how a lot worth you will get from every pathway within the Bilt Rewards program. Particularly contemplating that the no-annual-fee Bilt Blue Card (see charges and costs) unlocks the flexibility to pay hire or mortgages by means of Bilt with no transaction charges, it might be your greatest path towards incomes rewards on housing funds.

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