A Comprehensive Review of Bilt Credit Card

There are two remarkable things about credit cards, among other things. The first is that they offer a temporary credit facility, meaning that you can initially make purchases without making out-of-pocket payments.

Secondly, a lot of them offer perks that make using them worth your while. For more on their benefits and even downsides, you can check: https://www.finder.com/.

However, a thorough review must be done before choosing. Playing by this rule ensures that you make the right choice. Furthermore, these reviews fill you in on credit cards in the following areas:

  • Comparative Analysis
  • Assessment of Creditworthiness
  • Error Identification
  • Current Market Trends
  • Consumer Advocacy
  • Financial Management

Against this backdrop, a brief review of the Bilt Credit Card will be done here. So, keep reading to find out what there is to know about it.

Pros of Bilt Credit Card

Bilt Card Review

It can be considered cardholder-worthy for several reasons. Some of them include the following:

No Annual Fees

There is often a figure for annual fees when these reviews are being conducted. Well, this is one of the few exceptions, as this one does not require annual fees. It is one of the proofs that it is budget-friendly.

Zero Transaction Fees

For the record, this is mostly for rent payments. So, you may notice that this advantage does not apply to some other transactions. However, this is still fair enough, especially when you compare it to some other alternatives.

Liability Coverage Benefits

Cardholders are entitled to a few noteworthy liability coverage plans. Some of them include:

  • Trip Cancellation
  • Travel Insurance
  • Vehicle Rental Collision Waiver
  • Reimbursement for Delayed Trips

These are liability coverage perks that even some supposed expensive-to-maintain credit cards do not offer. So, it goes to show how cardholder-worthy this option is.

Partnership with Significant Players

Cardholders can redeem their accumulated points in so many ways. One such is transferring these points for certain services with any of a host of partners. Some of the industry partners in question, mostly hotel or airline partners, include:

  • Air Canada
  • Aer Lingus
  • Alaska Airlines
  • Air France
  • British Airways
  • Avianca
  • American Airlines
  • Cathay Pacific
  • Iberia Plus
  • Hyatt
  • IHG Hotel & Resorts
  • Hawaiian Airlines
  • United Airlines
  • Virgin Atlantic
  • Turkish Airlines
  • Marriott Bonvoy

However, you should know that industry alliances with some of these partners are usually on a contract basis. So, staying updated is important for doing a Bilt Card Review as this ensures that you know current partners and otherwise. So, people considering this credit card and several others need to make this an important selection yardstick.

Purchase Protection Privileges

It offers a reasonable amount of purchase protection privileges. A lot of these apply when purchased goods are damaged or stolen. By the way, there is also a cell phone protection clause, which is quite reasonable.

Impressive Earning Potential

Getting rewarded for using credit cards is usually tied to how many points you can amass, especially within a period. On this note, you should know that the earning potential for Bilt credit cardholders is impressive. This is given how as much as 100,000 points can be earned in a year.

Bilt Credit Card’s Earning Rates

Transportation with Lyft – 5X Points

Using your Bilt Credit Card as a payment option for Lyft rides offers the biggest points (as of the time of writing this article). This is especially true when you pay directly with your card, rather than just using a connected Bilt account.

Using your card directly grants you 5x points for every dollar spent. On the contrary, you only get 2x points for every dollar spent if you merely use a connected Bilt account for payment.

Travel-Related Purchases – 3X Points

Travel-related purchases will earn you 3x points for every dollar spent. For the sake of clarity, travel-related expenses include flight, hotel, and rental car purchases.

While dining should count for travel-related expenses, cardholders do not get as much as 3x points for every dollar spent. Rather, the issuer only offers 2x points for dining purchases.

Rent & Other Purchases

These purchases are the least rewarding when it comes to earning points. The issuer only offers a point for every dollar spent on these purchases. Of course, there are days when special offers mean that cardholders can earn more.

Cons of Bilt Credit Card

While there are undeniable benefits of being a Bilt credit cardholder, there are a few cons involved. Some of them include the following:

No Welcome Bonus

This is quite unusual and a disadvantage. The best that is done in the spirit of welcoming new cardholders is offering increased points reward. However, even this is just for a brief period, which is usually no more than a few days.

Low Rewards for Non-Bonus Purchases

The reward for non-bonus purchases is set at a point for every dollar spent. This is quite low.

Unimpressive Point Accumulation Criteria

To stand a chance of earning rewards, 5 purchases (at least) are supposed to be made using the card within a statement period. Most review analysts and experienced credit cardholders would consider this unimpressive.


There are various options for redeeming points earned through the use of a Bilt credit card. Options include making Amazon purchases, transferring points for services offered by partners, as well as flight & hotel redemptions. You can check here for a general take on redeeming credit card points.

Overall, this credit card offers a reasonable amount of value and flexibility for its cardholders. However, some more can be done in the areas of offering incentives and improving criteria for earning rewards.