If you are a Bilt card holder, see your email. The tenant’s favorite rewards program sent a survey to receive comments on the possible future changes in the alignment of the Bilt Card, and there is much to get excited … especially if you have been waiting for a way to obtain rewards while paying your mortgage.
When the BILT MASTERCARD® (see rates and rates) Launched in 2021, made a splash like the first card that allows tenants to win rent rewards (up to 100,000 points in a calendar year) without paying a credit card processing rate. From there, the Bilt Rewards ecosystem has only grown, and the card is now just a piece of that bigger world.
Specifically looking at the card for now, the opportunity to GAN POINTS IN THE RENTAL It was enough to sell us many of us, but that’s not all it offers. It has revenue rates similar to fans favorite CHASE SAPPHIRE PREFERRED® card that wins transferable travel points that are currently linked to Chase Ultimate Rewards as the most valuable type of rewards, according to the TPG in February 2025 Valuations. The biggest difference? Bilt Mastercard offers these benefits not to have annual fee (see rates and rates).
Even so, Bilt Mastercard has received some skepticism in his time in the rewards card scene. Without a traditional welcome offer and a real way so that those who do not rent win rewards in their home, some enthusiasts of the rewards credit cards simply have not seen the card as worthy of occupying the space in their wallets, despite that the rewards are quite valuable.
Bilt has been listening and working to create more options for card holders. And this week, we are going to take a look at the next step in that process and where Bilt’s plans could be directed.
Are the possible changes in your alignment of cards enough to make those in the surrounding fence, or are the risk of alienating those who love the card as it is? This is what TPG employees have to say about the possibilities we saw in the survey.
General description of the survey
This week, Bilt sent an email to card holders with a survey on possible aspects of a future card (or card alignment).
Richard Kerr, Vice President of Travel at Bilt Rewards, states that these survey questions are not a promise of a final product.
“I want to be clear that they are not blocked in options, they are not finished, they are not rigid, we have not committed to them and that there will be many more reviews,” he said in an email.
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Even so, there are many speculative changes established in the survey for Bilt members, and those who have been clinging to the request, to have great opinions about thinking about what this valuable program could do for them in the future.
The survey asks the card holders to choose between two versions of three different cards: annual annual rate, annual rate of $ 95 and annual rate of $ 550. In addition, it asks the card holders to indicate their categories of Preferred rewards and card benefits and what cards are currently using as their daily card if it is other than Bilt.
TPG employees assume Bilt’s survey options
One of our favorite hobbies in TPG is to analyze possible changes in a credit card or rewards in the ecosystem. When we saw the possibilities described in the Bilt Survey, we did not waste the time to discuss the merits of each option and play the role of consultant of rewards cards for the day.
Mortgage rewards
In TPG, the most cited reason for not having the Bilt Mastercard is that it does not offer benefits for mortgage holders. Although it is not a guaranteed future card benefit, the inclusion of points of gaining points for mortgages in all the options that appear in the survey is a great signal for housing owners who disburse thousands of dollars per month in that category of bills.
Could we really be on the cusp to unlock a good way to gain valuable rewards in such a large amount of monthly expenses? If so, that will be one of the most important stories in the rewards coins throughout the year. If this could really happen, the Bilt Rewards program could be dramatically more interesting for many in TPG halls.
Even so, some of us are a bit skeptical of the devil that could stalk in those details.
TPG Manager Editor Erica Silverstein He is interested in obtaining one of the Bilt cards, as long as the mortgage holders are not charged with the processing rate. In the same way, we are interested in seeing if all mortgages will be eligible to obtain rewards or if there will be restrictions, such as limitations in eligible mortgage suppliers or the requirements of certain level levels within the Bilt program that will continue to prevent many from gain rewards your mortgage payments in a way that makes financial meaning for them as a card holder.
Profit rates
The income rates listed in this survey are possibly the most divisive potential changes in the alignment of Bilt cards.
Personally, I love the current profit structure of 3 points per dollar spent on dinner and 2 points per dollar spent on travel purchases (the card must be used five times each period of the statement to gain points; see Rewards and benefits), and I was disappointed not to see an option to maintain these income rates in any of the survey options. Similarly, TPG manager editor Madison Blancaflor It was disappointed to see more restrictive bonus categories in the survey options, such as limiting food for the dining room to the Bilt neighborhood food instead of general meal purchases.
One of the non -annual rates options includes an income rate of 1.5 points per dollar for all Nonbonus expenses, which TPG content director Carly Helfand shared that she is more excited. She currently uses it CHASE FREEDOM UNLIMITED® Card to win 1.5 points per dollar in Nonbonus’s expend Chase Ultimate Rewards needles
Gordon TPG copies editor loves the idea of winning 1.25 points per dollar spent on rental or mortgage payments, which appears as one of the premium card options on the survey. Even so, many of us would not obtain enough value of that additional gain on its own to justify a premium annual rate on the level of 1 point per dollar offered on lower rate cards without obtaining a unique value of other gains categories.
Related: The best rewards credit cards for each bonus category
Declaration credits
Medium level and premium card options included declaration loans for Trips to Bilt Hotels, Fitness Bilt and Walgreens.
For those who do not mind adding to their declaration loans that they must remember, the credits of Bilt Hotels and Walgreens seem quite easy to exchange. For those who have expensive recipes that can fill through Walgreens, that credit could be a real asset.
I am among the many card holders who do not have Bilt’s physical conditioning options near me, so I could only take advantage of those credits when I travel. This could prevent some possible applicants from obtaining the total value of any of the Annual rate card options.
Hopes and fears
In addition to what we see in this survey, many of us have hopes and fears about things that are not approached directly.
For example, a great obstacle to justifying adding the Mastercard to our wallets has been that it does not come with a traditional Welcome offer. While it seems reasonable to wait for one on new cards with higher annual rates, Bilt has not officially commented if a welcome offer is part of the conceptual plans for these new cards. This could be an important factor in the decision to obtain any of the new Bilt cards, especially at the upper levels.
In addition, there are no indications of how exactly the mortgage income rate is structured, so it is difficult to cancel true value in that.
Finally, would these new products affect any of the current Bilt Rewards? At this time, you must make at least five purchases per month to earn points in the rent (see Rewards and benefits) – Would this be updated with a more diverse card portfolio? And existing card holders (such as me) love the current promotion of the rental day that allows us to gain double points in all purchases the first day of the month. If these cards reach the market, it will be interesting to see how they interact with the current value proposal.
Related: Promotion of the rental of bilt
Change game or not?
So, the question remains: are these potential changes a change of play for those who until now have been on the sidelines of Bilt? Could the addition of winning points in mortgages become one of the greatest and most exciting stories of 2025?
In short, it depends. Somehow, the possible changes described in the survey could be good news for those who are newer in the rewards credit card and look for a rewards card all in one. Income rates at each level offer decent yield for many card holders, and the benefits described seem to be relatively simple.
However, the general consensus among TPG employees specifically is that we would still opt for a non -annual card version of the card instead of paying for one of the premium products we saw in the survey while they presented themselves. In addition to obtaining rewards in housing payments, most of us have other cards with rates and benefits of similar or better income, and the appetite to administer more declaration credits was not high.
Our senior vice president of Content Jamie Page would prefer to see Bilt Bonus profits in home -related purchases, such as plumbing or services of electricians, insurance, grass equipment and hardware.
TPG Senior Content Director Summer helmet Okay, saying: “What I really want from a Bilt card is something different that you cannot replicate elsewhere … not just a different color card.”
End
Bilt Rewards has done some incredibly exciting things in recent years, so there is a lot of buzzing about the potential so that this trend continues and expands.
But while these possibilities are fun to consider as Bilt survey their card holders about possible new card products, it is too early to be too worked, positively or negatively, about any of them. Bilt has emphasized that these are far from the guarantees, promising only that future card products will suffer multiple reviews. But it is a good time to complete that survey and let Bilt know what he wants to see. We are certainly doing the same here.
For more details about the current bilt card, see Our full review of The Bilt Mastercard.
Apply here: Bilt Mastercard
See Tariffs and Tariffs of Bilt Mastercard here.
See Bilt Mastercard Rewards and Benefits here.
