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Bilt Rewards’ Big 2025 Move: Points for Your Mortgage

  • Writer: Govind sansanwal
    Govind sansanwal
  • Mar 22
  • 2 min read

What if paying your mortgage felt like a win? Bilt Rewards is making it happen in 2025, adding points on mortgage payments to its lineup. Known for renter perks, Bilt’s now giving homeowners a reason to cheer. Here’s what’s on the horizon.

The Bilt Mastercard shines for renters: no annual fee, 1X points on rent (up to $50,000 yearly), 2X on travel, and 3X on dining. Use it five times per statement period, and you’re earning. Redeem for flights or gym memberships—it’s a no-brainer. Soon, homeowners get to join the party.

Bilt Rewards Now Offers Points on Home Purchases Too

Starting in 2025, connect your mortgage—say, with Wells Fargo or Chase—to the Bilt app and earn points on every mortgage payment. Word is, it’s 1X points per dollar, capped at $50,000–$100,000 a year. A $1,500 mortgage could net 18,000 points annually—perfect for a trip or home tweak. Pay via Bilt Mastercard or ACH, no fees, but it’s only for primary homes.

Bilt Plans Changes to Its Wells Fargo Credit Card

Bilt’s upgrading its Wells Fargo card for this 2025 feature. Link your mortgage, pay through the app, and watch points stack up—likely launching in spring. CEO Ankur Jain’s hinting at partnerships, maybe with eXp Realty or travel brands. The five-transaction rule stays, keeping Bilt cardholders active.

Competition Heats Up for Homeowners in the Credit Card Space

Renters have racked up points, but homeowners? Nada—until Bilt stepped in. Mortgages are a goldmine for rewards, and Bilt’s tapping it first. A $2,800 mortgage at 1X points means 33,600 points a year—think travel or a down payment boost. Other card issuers might feel the heat and jump in.

Featured Snippet: Bilt Mortgage Points at a Glance

  • Points: 1X per dollar on mortgage payments.

  • Free: No payment fees with Bilt.

  • Options: Travel, fitness, or home rewards.

  • Setup: App-based mortgage linking.

  • Rule: Five uses per statement period.

My Take

I’ve loved Bilt for rent, and now my mortgage gets love too? I’m already planning my points splurge. You tried it? Let’s talk!

Gear Up for 2025

2025’s looking bright with Bilt. Homeowner or renter, get ready to earn big—stay tuned for the full scoop!

 
 
 

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