Bilt Credit Card: Earn Up to 50,000 Bonus Points Before Jan. 1 Deadline

Bilt is overhauling its rewards program in 2027, but savvy renters and credit card enthusiasts can still lock in generous benefits by acting before Dec. 31. The Bilt Mastercard currently earns 4% Bilt Cash on rent payments with no transaction fees, plus valuable transfer partners like American Airlines and Hyatt. New applicants can earn up to 50,000 bonus points during the limited-time offer, while existing cardholders keep the 4% earning rate if they enroll by year-end. This matters because Bilt Cash is among the most flexible rewards currencies for renters, and the upcoming changes may reduce earning potential or shift to less valuable redemptions. With rent often the largest monthly expense, the card turns a fixed cost into travel or statement credits. The deadline is firm: after Jan. 1, new applicants may face different terms, and existing users who miss the cutoff could lose the elevated rate. If you've been considering the Bilt card, now is the time to apply or confirm your enrollment. Waiting could mean leaving thousands of points on the table.