Today we discover how the Bilt credit card will allow homeowners to earn points on mortgage payments. Imagine earning rewards on one of your biggest monthly expenses—your mortgage. Bilt Rewards is making this a reality, expanding its innovative loyalty program to let homeowners earn points on hypothec loan payments. Known for helping renters earn points on rent, Bilt is now shaking up the credit card space with a feature that’s set to redefine how homeowners think about their monthly bills. Here’s everything you need to know about this exciting update, packed with a human touch and insider insights.

What’s New with Bilt credit card mortgage Points in 2025?

Bilt Rewards, the brainchild of CEO Ankur Jain, has long been a favorite for renters who use the Bilt Mastercard to earn points on rent payments with no annual fee. Now, the company is turning its attention to homeowners. Starting in 2025, Bilt cardholders will be able to link their mortgage accounts—think big names like Wells Fargo or Rocket Mortgage—and earn points for every dollar spent on their monthly mortgage payments. It’s essentially a way to make your mortgage work harder for you, turning a routine expense into a rewards goldmine, thanks to the Bilt Mastercard offers.

While exact earning rates are still under wraps, Bilt has hinted that the program could offer 1X points per dollar on hypothec loan payments, similar to its rent model. For a $2,000 monthly mortgage, that’s 24,000 points a year—enough for a flight, fitness classes, or even a boost toward future home-related expenses. And the best part? You can use a credit card to earn points for rent! There’s no processing fee when you pay through Bilt’s app or card.

How Does It Work?

Using the Bilt Card to pay your mortgage is as simple as it sounds:

To keep earning points, you’ll need to use the card at least five times each statement period—a small requirement that ensures the card stays active. This applies to both rent and hypothec loan payments, so whether you’re a renter or homeowner, the value proposition remains strong, especially with Bilt Mastercard offers. Note: This feature is for primary residences only, not investment properties, and some smaller loan servicers might not be supported yet.

Why This Matters for Homeowners

For years, renters have enjoyed earning rewards on rent payments, while homeowners—despite juggling hefty mortgage bills—were left out. Mortgages are often the biggest financial commitment people make, yet no credit card issuer offered points for them until now. Bilt’s move levels the playing field, letting Mesa homeowners and beyond earn rewards on an expense that’s been untapped by loyalty programs, transforming their mortgage into a points earning opportunity.

Take this example: A $3,000 monthly mortgage at 1X points could net you 36,000 points annually. Redeem them for travel with partners like American Airlines or Hyatt, snag fitness perks, or save them for a down payment on your next property (a teased feature Bilt members are buzzing about). It’s a unique value that could even boost your credit score if you’re diligent with payments.

Key Benefits of Bilt’s Mortgage Points Program

What’s the Catch?

There’s no such thing as a free lunch, right? While Bilt’s program is groundbreaking, there are a few things to keep in mind:

• Annual Cap: Early reports suggest a limit (possibly $50,000 or $100,000) on points-earning for mortgage payments.
• Card Activity: You must make at least five transactions per statement period to unlock points—easy enough if you use the card for everyday purchases.
• Servicer Support: Not all mortgage providers may be on board yet, so check with Bilt as the rollout nears to see if your provider is approved or otherwise endorsed.

Still, with no transaction fees and a premium card offering like this, the perks far outweigh the fine print for most users.

What Homeowners Can Expect in 2025

Bilt hasn’t pinned down an exact launch date, but the buzz is building for a spring 2025 debut. The integration promises to be seamless—link your account, pay as usual, and earn Bilt points. There’s even talk of partnerships with hypothec loan lenders or real estate giants like eXp Realty, which may impact the rewards you can earn and sweeten the deal further. Imagine earning 2X or 3X points on special promotions or tying in with a hotel chain for bonus travel rewards, all while using your new card!

Also read: Maximize Your Rewards with the Fidelity® Rewards Visa Signature® Card

For current Bilt cardholders, this is a natural evolution of the rewards program. For newbies, it’s a reason to consider the Bilt Card 2.0 as a must-have in your wallet. Since Bilt offers 1X points on rent and 2X on travel already, adding points for hypothec loan payments makes it a powerhouse for anyone with a home or apartment.

Current Bilt Mastercard Benefits

The Bilt Mastercard has already won over renters with its no-annual-fee perk, letting them earn 1X points per dollar on rent payments (up to $50,000 annually) and 2X points on travel. It’s a card that allows you to pay rent without transaction fees—a rarity among credit card products, making it a valuable annual fee card. Add in 3X points on dining and a flexible redemption system (think flights with American Airlines or stays at Hyatt), and it’s clear why Bilt members love it. But the real kicker? You need to use the card at least five times each statement period to earn points, a small hurdle for big rewards. Now, Bilt is taking this winning formula and applying it to homeowners too, allowing them to earn points for rent and hypothec loan payments.

A Personal Take: Why I’m Excited

As someone who’s watched credit card products evolve, I can’t overstate how big this is. Paying rent with a credit card was a game-changer, but extending that to mortgages? That’s next-level. I’ve already got my Bilt Mastercard ready to test this out—maybe I’ll finally take that trip I’ve been dreaming of, all thanks to my monthly hypothec loan payments and the points earning potential. Have you tried using Bilt for your rent or mortgage yet? I’d love to hear your thoughts below!

The Bigger Picture

Bilt Rewards isn’t just launching a feature—it’s challenging other card issuers to step up. Will we see competitors offer points on hypothec loan payments too? Only time will tell. For now, Bilt’s bold move positions it as a leader in the credit card space, serving different member needs with a card that allows you to pay rent or hypothec loan payments while earning rewards.

With no annual fee, a robust rewards program, and a mission to make every home rewarding, Bilt is proving it’s more than just another credit card issuer. Terms apply, of course, but the opinions expressed by users and experts alike suggest this could be a turning point for financially savvy homeowners.

Bilt Rewards Now Offers Points on Home Purchases Too

Starting in now, Bilt cardholders can link their mortgage accounts—think big players like Wells Fargo or Rocket Mortgage—and earn points for every dollar spent on monthly mortgage payments. It’s essentially a way to make your hypothec loan work harder for you, turning a routine expense into a rewards goldmine. While exact earning rates are still under wraps, Bilt has hinted at offering 1X points per dollar, much like its rent model. For a $2,000 monthly hypothec loan, that’s 24,000 points a year—enough for a flight, fitness classes, or even a boost toward future home-related expenses. And yes, there’s no processing fee when you pay through Bilt’s app or card.

Here’s how it works: you can transfer points for mortgage payments to travel rewards.: Link your mortgage servicer in the Bilt app, pay with the Bilt Mastercard or via ACH, and watch the points roll in—likely one point per dollar spent, capped annually (possibly $50,000–$100,000). This feature is for primary residences only, not investment properties, and some smaller loan servicers might not be supported yet.

Bilt Plans Changes to Its Wells Fargo Credit Card

Bilt’s partnership with Wells Fargo, the issuer behind the Bilt Mastercard, is getting a glow-up. The company is tweaking its Wells Fargo credit card to support this hypothec loan points feature, ensuring a seamless experience for users. CEO Ankur Jain has hinted at a spring rollout, with plans to integrate major mortgage providers like Chase and Rocket Mortgage into the app. There’s even buzz about potential tie-ins with real estate platforms like eXp Realty or hotel chains for bonus rewards. While the current Bilt cardholder requirement—make at least five transactions per statement period to earn points—will likely stay, the expanded functionality could see Bilt tweak its earning rates or introduce a premium card down the line. Stay tuned for the letter to members with all the juicy details!

Get Ready for 2025

Whether you’re a homeowner eager to earn points on mortgage payments or a renter curious about the Bilt Mastercard is shaping up to be a rewarding year. Keep an eye out for Bilt’s letter to members with final details, and don’t sleep on signing up early to maximize your points. Have a $1,500 hypothec loan? That’s 18,000 points a year at 1X—more if earning rates climb to 1.5X or beyond.

So, will you be using Bilt credit card to pay your mortgage? Let’s chat about it! This is one credit line worth tapping into.

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Disclaimer

The information in this article is based on current announcements and speculation about Bilt Rewards mortgage points program. Details like earning rates, caps, and supported mortgage servicers may change—check Bilt’s official website for the latest updates. Products and brands mentioned (e.g., Wells Fargo, Mr. Cooper) are examples and not approved or endorsed by Bilt Rewards or xAI. This content is for informational purposes only and does not constitute financial advice. Terms apply; consult your lender or Bilt for specifics before making decisions.

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