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How this card earns

  1. 3 points per dollar:
    HotelsIssuer portal
    Hotel bookings through Bilt Travel; rate combines the card base rate and the Bilt Travel bonus.
    Bilt TravelIssuer portal
    Lyft
    Eligible rides after linking Bilt and Lyft accounts; the total includes the Bilt member partnership bonus.
  2. 2 points per dollar:
    FlightsIssuer portal
    Bilt TravelIssuer portal
  3. 1 points per dollar:

    Everything else

Rent and mortgage payments

Housing-only: the billing-cycle everyday-spend-to-housing ratio sets the rate: 25% to under 50% earns 0.5X; 50% to under 75% earns 0.75X; 75% to under 100% earns 1X; 100% or more earns 1.25X. Below 25%, the primary cardholder receives 250 points per account per billing cycle with a qualifying Bilt housing payment, rather than a multiplier. Flexible Bilt Cash: redeem $0.03 per housing point, up to 1X. Pay housing through Bilt with an account in good standing and a connected bank account.

Dining and Bilt Neighborhood Dining

At participating Bilt Neighborhood Dining restaurants, the partner bonus uses the multiplier shown in the Bilt app at purchase. It stacks with the applicable card category rate.

Protections and other benefits

7 benefits
  • Mastercard ID Theft ProtectionEnroll for identity monitoring and help resolving identity theft.
  • Mastercard Travel & Lifestyle ServicesAccess qualifying travel offers, hotel amenities and rate or stay guarantees through Mastercard.
  • Mastercard ConciergeProvides 24-hour help with travel, dining and entertainment arrangements.
  • Mastercard Global ServiceProvides worldwide help with lost cards and emergency card replacement.
  • Cellular Wireless Telephone ProtectionCovers eligible phone theft or damage when the qualifying wireless bill is paid with the card.
  • Purchase AssuranceCovers eligible new purchases against covered theft or damage, subject to guide limits.
  • MasterRental CoverageCovers eligible rental-car collision or theft after paying with the card and declining the rental damage waiver.

Keep all your cards in one place.

The cards that do have credits get lined up by the day they end.

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Last checked
October 4, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced