A New Era of Rewards for Homeowners with Bilt in 2025

What if your mortgage could earn you a free vacation? In 2025, Bilt Rewards is making that dream a reality by letting homeowners earn points on mortgage payments. Famous for rewarding renters, Bilt is now stepping into the homeowner arena with a groundbreaking update. Here’s the scoop on how this could change your financial game.

Current Bilt Mastercard Benefits

The Bilt Mastercard is already a renter’s best friend—no annual fee, 1X points per dollar on rent (up to $50,000 yearly), 2X on travel, and 3X on dining. You just need to use the card at least five times per statement period to unlock those points. Pair that with redemption options like flights or fitness classes, and it’s a solid deal. Now, Bilt’s bringing that same magic to homeowners, expanding its rewards reach.

Bilt Rewards Now Offers Points on Home Purchases Too

Starting in 2025, homeowners can link their mortgage accounts—like those with Wells Fargo or Chase—to the Bilt app and earn points on every dollar of their monthly mortgage payments. While specifics on earning rates are hush-hush, whispers suggest 1X points per dollar, capped annually (maybe $50,000–$100,000). For a $1,800 mortgage, that’s 21,600 points a year—hello, weekend getaway! Pay via the Bilt Mastercard or ACH with no fees, and you’re set. It’s for primary homes only, though, so investment properties won’t qualify yet.

Bilt Plans Changes to Its Wells Fargo Credit Card

Bilt’s teaming up with Wells Fargo, its card issuer, to roll out this mortgage feature in 2025. Expect a spring launch with easy integration—link your mortgage, pay as usual, and rack up points. CEO Ankur Jain’s hinted at potential partnerships, maybe with real estate players like eXp Realty or hotel chains for bonus perks. The catch? You’ll still need to make at least five transactions per statement period to earn points, but that’s a breeze if you’re using Bilt daily.

Competition Heats Up for Homeowners in the Credit Card Space

Homeowners have been sidelined in the rewards game—until now. Renters have long earned points on rent, but mortgages, a massive expense, stayed point-less. Bilt’s move could spark a credit card issuer showdown. Will others follow suit? With no annual fee and a chance to earn rewards on mortgage payments, Bilt’s setting a high bar. Picture this: a $2,500 mortgage earning 30,000 points yearly—redeemable for travel or even a future down payment. It’s a win for Mesa homeowners and beyond.

Featured Snippet: Why Bilt’s Mortgage Points Rock

• Points: Earn 1X per dollar on mortgage payments (up to a cap).

• No Fees: Pay with Bilt, no extra costs.

• Redemption: Flights, fitness, or home perks.

• Setup: Link your mortgage in the app.

• Rule: Use the card five times per statement period.

My Two Cents

I’ve been a Bilt fan since it revolutionized rent payments. Now, as a homeowner, I’m thrilled to earn points on my mortgage. That dream trip to Hawaii? It’s closer than ever. What about you—tried Bilt yet? Let’s swap stories!

Get Pumped for 2025

Mark your calendars for 2025—this is big. Whether you’re a renter or homeowner, Bilt’s got you covered. Stay tuned for updates and jump in early to max out those points!