Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain.
While the Bilt Mastercard® is primarily popular for its rent rewards program, it also offers cardholders a way to maximize rewards on dining purchases.
The Neighborhood Dining benefit offers Bilt Members a chance to earn up to 10X points per dollar spent at participating restaurants — and that's on top of the rewards they earn with a linked credit card.
Bilt Mastercard®
This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.
- Our Rating 4.5/5 How our ratings work
- APRSee site for details.
- Annual Fee$0
The Bilt Mastercard is absolutely worth it if you’re a renter interested in maximizing your rewards potential. Being able to earn points on rent without paying transaction fees is huge. But what makes “points” valuable is how you use them. Bilt’s loyalty program is comparable to Chase Ultimate Rewards because it has 10 travel partners in common with Chase. Just be sure you can use the card 5 times each statement period to qualify for earning points.
Overview
The Bilt Mastercard has quickly gained popularity since it launched and it’s easy to see why. The card has been dubbed a game-changer because it offers rewards on rent payments, without transaction fees. Between generous category bonuses and premium travel perks, Bilt has created a card that appeals to frequent travelers and those who want a simple rewards card.
Pros
- Earn points on rent without the transaction fee
- Generous earnings on dining and travel
- Strong rental car and purchase protections
Cons
- Doesn't earn points on mortgages
Here's how it works and what you can do to make the most of your dining purchases.
How Bilt Neighborhood Dining Works
Bilt made its name as the
The Neighborhood Dining program offers between
Become a Bilt Member: If you're not already a Bilt Member, you sign-up via its app or website. - Link your eligible card: In the Bilt mobile app or on the website, link any Visa, Mastercard, or American Express credit or d
ebit car d in the Wallet tab. If you have the Bilt Mastercard®, it'llbe automat ically linked. - Enable restaurant rewards: In the Neighborhood tab, toggle the "Enable all restaurant rewards
" feature to ensure you don't miss out on any bonus rewards opportunities. - Look for restaurants in your area: Check out the Dining section in the Neighborhood tab to find participating restaurants in your area. The mobile app and website allow
you to filter your options by location, cuisine, and price range. You may even be able to get reservations directly in the app. - Dine out: Once you've found the restaurant you want to visit, simply use your linked card when you pay the bill, and you'll earn the promised rewards.
You'll typically receive your points wit
Bilt Mastercard Review: Earn Rewards on Rent Without Annual Fees
Bilt Neighborhood Dining vs. Other Dining Programs
Bilt is just one of many loyalty programs that offers a dining rewards program. In fact, many airline and hotel loyalty programs offer bonus rewards when you eat at participating restaurants. Examples include:
- Alaska Mileage
Plan ™ Dining - Delta
SkyMiles ® Dining - United
MileagePlus Dining℠ - Southw
est® Rap id Rewards Dining® - IHG One Rewards Dine and Earn
- Marriott
Bonvoy Eat Around Town - Hilton
Honors Dining
It's possible that these more estab
With Bilt, you can use your poi
Best Rewards Credit Cards
Visit the MarketplaceThe Best Dining Credit Cards to Maximize Your Rewards With Bilt
Regardless of which dining rewards program you use, it's a good idea to get a credit card that offers bonus rewards on your restaurant purchases. Here are some of our top
Recommended Rewards Credit Cards
Credit Card | Rewards Rate | Annual Fee | Intro Bonus | Learn More |
---|---|---|---|---|
|
1x- 5xPoints
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. |
$95 |
60,000Chase Ultimate Rewards Points
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. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base) |
Apply Now |
|
1.5% - 5%Cashback
Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
$0 |
1.5%Extra Cash Back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase TravelSM, 4.5% on dining and drugstores, and 3% on all other purchases. |
Apply Now |
|
1x - 3xPoints
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. |
$0 |
20,000Points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Dollar Equivalent: $200 (20,000 Points * 0.01 base) |
Apply Now Rates & Fees |
|
1X-10XPoints
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases |
$95 |
70,000Citi ThankYou® Points
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base) |
Apply Now Rates & Fees |
Best Credit Cards for Dining and Restaurants
Visit the MarketplaceThe Bottom Line
If you consider yourself a foodie, Bilt's Neighborhood Dining rewards program is a great way to earn valuable points on your dining purchases, and you don't have to jump through several hoops to do it.
To maximize your points or cash back earnings, make sure you link a credit card that offers bonus rewards on dining purchases.