Bilt World Elite Mastercard®
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The Bilt World Elite Mastercard® is a unique card designed to reward you for paying rent without paying transaction fees. You also earn elevated rewards on travel and dining, but Bilt is the only card we know of that rewards you for paying rent, up to 100,000 points per calendar year. You do need to make five transactions each month to be eligible to earn your full rewards. Otherwise, you’ll only earn 250 points for your rent payment. You can also earn double points on the first of each month, except on rent payments. If you can remember to use your Bilt card on the first of each month for five transactions, you can get 6x points on dining, 4x points on travel, 2x points on other purchases, and you’re eligible to earn your full rewards for the month. Ideally, your landlord is part of the Bilt Alliance, but if they’re not, Bilt can issue a check. And since it’s a World Elite Mastercard, you get some nice travel benefits and cell phone protection as well. We dive into the details and your approval odds in this Bilt review.

Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1x to 3x points
0% Intro on Balance Transfers
None
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Identity theft protection |
Contactless Payments | Apple Pay, Google Pay |
Benefits | Cell Phone Protection, Purchase Protection, 24/7 customer service |
Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Trip Delay Reimbursement, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 20.49%, 23.49%, or 28.49% (V) APR |
Insurance
Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Cell Phone Insurance
Purchase Protection
Car Rental Loss and Damage Insurance
What Credit Score Is Required to Get the Bilt World Elite Mastercard®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 719
Average Approved Credit Score: 744
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/10/2023 | Experian | ||
Approved | 07/20/2023 | Not Provided |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Earn rewards for paying rent
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?

Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0

Capital One Savor Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0

Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0