MastercardBilt Mastercard
The only card that earns points on rent with no fee.
Welcome Bonus
None
No public welcome bonus, value is in rent earning
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xRent (no processing fee, up to 100k pts/yr)
- 3xDining
- 2xTravel
- 1xOther purchases (5 transactions/mo required)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Rent Day promos (double points on the 1st)
- ✦Transfers to Hyatt, United, AA and more
- ✦Trip protections, no FTF
Why it earns its spot
- +Rent is most people's biggest unbonused expense
- +Hyatt + AA transfers on a no-fee card
Where it costs you
- −Must swipe 5x/month to earn
- −Program economics keep evolving, watch for changes
The Compound Verdict
If you rent, this is found money: points on a payment you were making anyway, transferable to Hyatt. Set five small recurring charges on it and collect.
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