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Bilt Rewards to Launch Mortgage Points Earning in 2025: What Homeowners Need to Know
July 1, 2025
In a major expansion of its rewards program, Bilt has announced plans to let homeowners earn points on their monthly mortgage payments starting in 2025. This groundbreaking move follows the success of their rent-payment rewards program and signals Bilt's evolution beyond just serving renters.
Current Bilt Mastercard Benefits
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The existing Bilt Mastercard, which carries no annual fee (see rates & fees), offers an impressive rewards structure:
- 1X Bilt points on rent payments (up to 100,000 points in a calendar year)
- 3X points on dining
- 2X points on travel
- 1X points on all other purchases
Use the card 5 times each statement period to earn points. Points can be transferred to various travel partners at a 1:1 ratio, making them particularly valuable for travel redemptions.
Bilt's Expanding Housing Focus
Bilt has been expanding its housing-related offerings beyond traditional rent payments. Recent developments include:
eXp Realty Partnership: Bilt has partnered with eXp Realty to offer points on home purchases, providing 1 point per $2 in property value for qualifying transactions.
Down Payment Redemption: Members can redeem Bilt points toward a future home down payment at 1.5 cents per point value, making homeownership more accessible.
Neighborhood Benefits: The program has expanded local merchant partnerships to provide additional earning opportunities in members' neighborhoods.
What This Means for Members
These developments demonstrate Bilt's commitment to creating a comprehensive housing rewards ecosystem. The company has positioned itself as an innovator in helping people earn rewards on their largest monthly expenses.
For current members, these expansions provide additional value beyond the core rent payment rewards. The ability to earn points on home purchases and redeem them for down payments creates a pathway from renting to homeownership within the same rewards program.
Looking Ahead
As Bilt continues to evolve its program, members can expect the company to explore additional ways to provide value around housing-related expenses. The company has indicated interest in further expanding its housing ecosystem, though specific details about future offerings have not been finalized.
Why This Matters
This development represents a significant shift in the credit card rewards landscape, as mortgage payments have traditionally been off-limits for points earning. It also positions Bilt as a pioneer in housing-related rewards, expanding their unique value proposition beyond their original renter-focused model.
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