If you pay rent, YOU NEED THIS CREDIT CARD. For most people, rent is one of their biggest expenses, so the opportunity to earn points here is huge! You are probably thinking, “my landlord doesn’t let me pay my rent with a credit card.” By getting this card, you can continue to pay rent through direct debit or a physical paper check. If your landlord prefers direct debit, you just simply switch to the routing number and account number provided by BILT and your landlord will continue to receive payment from you the same way. If you pay by mailing a check, there is a feature on the BILT app where you simply type in amount of your rent and the mailing address for where the check needs to go then BILT writes a check and mails it for you. If you pay by check, this honestly makes it easier and you earn points in the process.

With this card you earn 1x points on rent (up to 100k per year), 3x points on dining, and 2x points on travel. You also earn 5x on Lyft rides and BILT dining partners. There is a ‘Rent Day’ promotion on the 1st of each month where all earning rates (expect rent) are doubled! So on the first of each month, you can earn 6x points on dining and 4x points on travel! There is no annual fee, but they require you to have at least 5 transactions per statement cycle to earn points (and rent counts, so only 4 additional). One of the best parts of this card are the amazing transfer partners. They have a ton of options when it comes to transfer partners where you can get significant value. This card also has no foreign transaction fees, provides trip cancellation/interruption protection, primary auto damage collision waiver for car rentals, and cell phone protection if you pay your bill with the card.