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kardfolio

Credits by reset window

Open a row for its terms. Each amount is the most the credit is worth in one period.

Twice a year

1 credit

Bilt Travel Hotel Credit$200 each half

Up to $200 each half-year for Bilt Travel hotel bookings of at least two nights. Opt in during booking.

Each period ends at midnight, GMT-08:00.

Yearly

1 credit

Annual Bilt Cash$200 a year

$200 each calendar year, deposited at opening and each January 1. Up to $100 can roll into the next year. Up to $100 of unspent credit rolls into the following calendar year.

$600 a year, before anything is used.

The most these credits are worth.

$200 ends twice a year.

Credits with calendar reset dates. Each ring is a day a credit ends, whether or not it was used.

  • Twice a yearBilt Travel Hotel Credit
    $200 twice a year

2026 amounts from the kardfolio catalog, before anything is used. Not drawn because rollover rules change when the balance expires: Annual Bilt Cash. These credits are included in the yearly total.

How this card earns

  1. 4 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. 3 points per dollar:
    FlightsIssuer portal
    Bilt TravelIssuer portal
  3. 2 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

14 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 claim limits.
  • Extended WarrantyExtends eligible manufacturer warranties, subject to the guide limits and exclusions.
  • Trip Cancellation and InterruptionCovers eligible nonrefundable common-carrier fares for covered cancellation or interruption.
  • Trip DelayReimburses qualifying expenses after a covered common-carrier delay.
  • Priority Pass Airport Lounge AccessEligible cardholders receive Priority Pass access with two complimentary guests; activation may be required.
  • Price ProtectionEligible purchases may receive reimbursement for a qualifying lower advertised price.
  • MasterRental CoverageCovers eligible rental-car collision or theft after paying with the card and declining the rental damage waiver.
  • Lost or Damaged LuggageCovers eligible baggage loss or damage on qualifying common-carrier travel, subject to exclusions.
  • Baggage DelayReimburses qualifying essential purchases after a covered baggage delay, subject to guide limits.

Track it only when it belongs to you.

kardfolio starts from cards you choose. What you have used this month stays in your account.

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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