Bilt

Bilt is a fintech platform that operates the Bilt Rewards program, designed to reward renters and aspiring homeowners. The company provides a mobile app and a Mastercard-branded card that work together to let users earn points on rent payments and everyday purchases, and to redeem those points across travel, experiences, and home‑ownership related options.

Bilt Rewards points can be earned when paying eligible rent through the platform and on purchases made with the Bilt Mastercard. Points can be redeemed for travel bookings, experiences, or merchandise through the Bilt ecosystem, or transferred to partner loyalty programs such as airline and hotel programs.

A distinguishing feature is the availability of options to apply Bilt Rewards toward home ownership goals, including down payments, through partner programs. This positions Bilt within a growing segment of consumer fintechs that link everyday spending to real estate goals.

The Bilt Mastercard is issued by a partner financial institution and linked to the Bilt Rewards program, enabling users to earn points on a wide range of purchases and to accumulate points via rent payments.

Geographically, Bilt's services are focused on the United States, with ongoing efforts to expand partnerships and offerings within the U.S. housing and travel ecosystems.

History and context: Bilt was founded in the early 2020s and has grown as part of a broader trend of rent-focused rewards and rent-payment fintechs. It competes with other rewards programs that aim to convert routine living expenses into perks and potential home-ownership support.