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Bilt · Credit cards

Bilt World Elite Mastercard

Revolutionary $0 annual fee rewards card that earns points on rent with no transaction fee, plus 3X on dining and 2X on travel.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0

Rewards rate

3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month)

What it does well

  • Earn 1X points on rent payments up to 100,000 points per calendar year with $0 transaction fees
  • $0 annual fee and no foreign transaction fees
  • Valuable 1:1 transfer partners including Hyatt, United Airlines, and Air France/KLM

Where it gives ground

  • Must make at least 5 transactions each billing cycle to earn points
  • No traditional upfront sign-up welcome bonus

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards6 differing specs

American Express Gold Card

$325/yr

Bilt World Elite Mastercard

$0/yr

Bilt leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Bilt World Elite Mastercard

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Bilt World Elite Mastercard

$0/yr

Blue Cash Everyday Card from American Express

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards8 differing specs

Bilt World Elite Mastercard

$0/yr

Blue Cash Preferred Card from American Express

$95/yr

Bilt leads on 2 of 3 rankable specs and charges less a year.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
20.74% – 28.74% Variable APR
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month)
Sign-up bonus
None (earn points on monthly rent with no fee)
Intro APR offer
0% intro APR for 0 months (none)
Lounge access
No (No airport lounge access)

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Mastercard World Elite
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Bilt World Elite Mastercard terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Frequently asked

How much does Bilt World Elite Mastercard cost?

Bilt World Elite Mastercard has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Bilt World Elite Mastercard’s key specs?

Key specifications for Bilt World Elite Mastercard include annual fee ($0) and rewards rate (3X dining, 2X travel, 1X rent (up to 100k pts/yr), 1X other (double on Rent Day 1st of month)).

What does Bilt World Elite Mastercard compare against?

Bilt World Elite Mastercard is compared head to head against American Express Gold Card vs Bilt World Elite Mastercard, The Platinum Card from American Express vs Bilt World Elite Mastercard, Bilt World Elite Mastercard vs Blue Cash Everyday Card from American Express, Bilt World Elite Mastercard vs Blue Cash Preferred Card from American Express, Bilt World Elite Mastercard vs Capital One Venture Rewards Credit Card, and Bilt World Elite Mastercard vs Chase Freedom Flex.