It's now official! Bilt cards start earning rewards on mortgage payments and so much more!

Bilt has announced that starting February 7th, 2026, you will start earning rewards when paying mortgage loans with your Bilt card. Many people have used Bilt to pay their mortgage loans even before this change is put into effect but it's good to know that Bilt is making it official.

How many rewards will you earn on mortgage payments?

Bilt has not confirmed how many rewards you will earn but it's most likely going to be that same amount that you earn on rent which is 1 point per $1.

Bilt has also announced a few months ago a partnership with UWM so potentially UWM mortgages will earn more rewards than others. Again, these are all predictions, and nothing is confirmed yet by Bilt.

Bilt is moving over to Cardless

Bilt is ending its partnership with Wells Fargo and will be moving over to Cardless. Starting February 7, 2026, there will be new Bilt 2.0 cards which will be issued by Cardless.

Three new Bilt credit cards coming

Another thing confirmed but without much detail is that there will be 3 different types of the Bilt card. A basic ($0 annual fee), mid-tier ($95 annual fee), and luxury ($495 annual fee). But there is no word yet on exactly which benefits and features each card will come with.

Existing Bilt cardholders

Once the three new Bilt 2.0 cards will be released, the old Bilt cards will be discontinued. Existing cardholders will have the choice to convert their cards to any of the three new Bilt cards with only a soft pull on their credit. The transition will be seamless, and your credit card number will stay the same. You will also be able to transfer your balance to the new card.

As of now the Bilt card is no longer available for new applicants.

Due to these changes Bilt has pulled their card from being available for new applicants. The card is no longer available until February 7, 2026. 💯🙏🏽

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