Yes, the Bilt World Elite Mastercard® is made of metal. It’s one of many metal credit cards on the market today.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Our take: With bonus rewards on travel and dining — plus rewards on rent — the Bilt World Elite Mastercard® is one of the best no-annual-fee travel cards on the market.
The Bilt World Elite Mastercard® is worth it for cardholders who will take advantage of its unique features — especially renters who wish to get richly rewarded for paying their rent. But it’s also a good option for others seeking a no-annual-fee travel card.
Bilt World Elite Mastercard® benefits include bonus rewards for dining and travel and double rewards on the first day of each month (up to 10,000 bonus points). You’ll earn flexible points that you can transfer 1:1 to more than 10 travel partners, including United Airlines. You also get travel insurance and shopping protection, which is one reason the Bilt World Elite Mastercard® made our list of best Wells Fargo credit cards. And as one of the few no-annual-fee cards without foreign transaction fees, it’s great for international travel.
There are a few drawbacks to the Bilt World Elite Mastercard®, including a lack of sign-up bonus and the requirement to use the card at least five times to earn rewards in a given statement period. The card might not be worth it if those are deal breakers for you.
→ Not the right card for you? See more top no-annual-fee travel cards
One of the standout features on the Bilt World Elite Mastercard® is the ability to earn rewards on your rent. This makes the card a game changer for renters, especially those in high-cost-of-living areas.
Keep in mind, you must use your card at least five times in a statement period to earn the full rewards rate on your rent. Otherwise, you earn just 250 points for paying your rent that month.
If your landlord allows you to pay your rent through an online portal that normally charges a transaction fee for paying with a card, the Bilt World Elite Mastercard® allows you to avoid that transaction fee. And here’s a unique twist: You can redeem your Bilt rewards points toward a down payment on a home if you’re aiming to move from renting to homeownership. The Bilt app allows you to calculate how much home you can afford and more.
→ On the fence about buying a new home? Check out our guide to renting vs. buying a house
The Bilt World Elite Mastercard® doesn’t offer a traditional sign-up bonus. However, if you’re a renter, the ability to earn points on your rent with no transaction fee more than makes up for this downside. The average rent is $1,300 according to the U.S. Census Bureau. This amounts to more than 15,000 points a year. Since Bilt points are worth about 2 cents per point by our estimates, that’s more than $300 in value, beating the value of a sign-up bonus for a typical no-annual-fee card. And you get this value each year. If you have a higher-than-average rent payment, this card may be even more lucrative for you.
Earning points (4.7 out of 5)
How do you earn points with the Bilt World Elite Mastercard® You can earn points with the Bilt World Elite Mastercard® by using it for at least five transactions per month. You can earn an impressive 3X points on dining and 2X points on travel, and you get double rewards in those categories and on everyday purchases (except rent) on the first day of each month (up to 10,000 bonus points).
Those elevated earnings, combined with the card’s travel protections and no foreign transaction fees, make it a great addition to any traveler’s wallet — not just renters.
The card offers excellent overall rewards value. Given the high value of Bilt points, the card has the highest potential earning rate of any no-annual-fee rewards card in our study.
Rewards earned per $1 spent*
Redeeming points (4 out of 5)
How do you redeem Bilt World Elite Mastercard® points? Bilt points are some of the most flexible and valuable points around, with a variety of redemption options. Here are some of the ways you can redeem Bilt points:
To get the best redemption value, you’ll want to redeem points for travel through the Bilt World Elite Mastercard® portal or transfer your Bilt points to one of Bilt’s airline or hotel transfer partners.
You can transfer Bilt points in multiples of 1,000 points through the Bilt app. You must be a member of the airline or hotel loyalty program you wish to transfer to, and you must have linked that loyalty program account with your Bilt account.
The transfer option allows you to maximize your Bilt points by searching for high-value redemptions in those partner programs. Generally, you can get the most value from your points by looking for a redemption that requires a low number of points or miles but would cost a high amount if you were to pay cash. By using this strategy, we estimate you may be able to get 2 cents or more in value out of every Bilt point.
Other benefits (2 out of 5)
What other benefits does the Bilt World Elite Mastercard® offer? This card offers some notable travel perks for a no-annual-fee card, including travel insurance and no foreign transaction fees. However, it’s missing a few of the more substantial travel protections and perks that come with many annual fee travel cards, such as lost or delayed luggage coverage and a Global Entry/TSA PreCheck® credit.
Here’s what it does include:
You can use your spending on the Bilt World Elite Mastercard® to help fast-track your way to Bilt elite status. Benefits include special transfer bonuses, priority event access and the ability to unlock special offers as you work your way up to the next tier. These offers may include extra points on dining, points toward gifts from the Bilt Collection and more.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Bilt World Elite Mastercard®
 Apply Now
on Bilt Rewards's secure site Rates & Fees |
$0 | Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points | Bilt cardholders can earn double points on purchases made on the first of the month (excluding Rent) up to 1,000 bonus points. You must use the card 5 times each statement period to earn points. |
Apply Now
on Bilt Rewards's secure site Rates & Fees |
|
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site |
$95 | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. | Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year. |
Apply Now
on Chase's secure site |
|
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
$95 | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening |
Apply Now
on Capital One's secure site Rates & Fees |
|
Amex EveryDay® Credit Card from American Express*
|
$0 | 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases | 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months |
The card offers a similar rewards structure and earning rate to the Bilt World Elite Mastercard®, with bonus categories in dining and travel, and the ability to transfer points to similar partners. But the Chase Sapphire Preferred® Card offers 5X points on travel purchased through Chase Travel plus a $50 annual Chase Travel hotel credit. And it boasts a solid sign-up bonus that can help pay for your next trip. Plus, you get more robust benefits and protections, including baggage delay coverage and extended warranty protection.
The Capital One Venture Rewards Credit Card lets you earn an excellent sign-up bonus and offers a simple rewards structure with 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. The Capital One Venture includes a TSA PreCheck®/Global entry application fee credit, which can help to make even occasional travel a much more pleasant experience. It also offers basic travel insurance benefits, including trip cancellation/interruption coverage, lost or damaged luggage protection and no foreign transaction fees.
The card offers 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases. It also gives you a 20% point boost if you use it more than 20 times per month, which means you could earn up to 2.2 points on U.S. supermarket purchases. Plus, the Amex membership rewards program includes a larger set of airline and hotel programs, including Delta Air Lines. Not to mention, the card is a good choice if you’re looking to finance a trip or other big purchase, since it includes an intro APR on purchases and balance transfers.
On the downside, it’s an Amex card with limited acceptance abroad, and it charges foreign transaction fees, so it’s not a good card for international travel.
Renters looking to earn rewards on their rent payments and anyone else looking for a no-annual-fee travel credit card may want to apply for the Bilt World Elite Mastercard®. Also, if you already own an annual fee card and you’re looking for a backup card that doesn’t charge foreign transaction fees, the Bilt World Elite Mastercard® could be a great addition to your wallet.
But frequent travelers should consider an annual fee travel card, which will come with better benefits. If this describes you, you should check out our list of the best travel credit cards.
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Yes, the Bilt World Elite Mastercard® is made of metal. It’s one of many metal credit cards on the market today.
You can’t use the Bilt World Elite Mastercard® to pay a mortgage just yet. However, there is good news on the horizon for homeowners. In January 2024, the company announced in a press release that “Bilt plans to venture into mortgage payment rewards.” So, stay tuned.
The Bilt World Elite Mastercard® does not have foreign transaction fees. It’s one of the few cards on the market with no annual fee and no foreign transaction fees, making it a good choice for budget-conscious travelers who travel moderately. Because it has no annual fee, it also makes a good backup credit card for international travel for frequent travelers.
The Bilt World Elite Mastercard® comes from Wells Fargo, Mastercard and Bilt Rewards, a loyalty platform specializing in rent and neighborhood rewards. Wells Fargo is the official card issuer of the Bilt World Elite Mastercard® .
The Bilt World Elite Mastercard® requires Good / Excellent credit. That means that if you plan to apply for the Bilt World Elite Mastercard®, you’ll want to make sure you have a credit score of 660 or higher for the best chances of getting approved.
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Amex EveryDay® Credit Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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