BILT Mastercard

Annual Fee: $0

No official welcome bonus, but some people see a targeted offer to earn 5x points for the first 5 days after being approved for this card.

Our thoughts: The Bilt card is the only no annual fee card that allows you to transfer points to airline and hotel partners. It is a great card for renters, as it allows you to earn points on rent (if you have at least 5 transaction each month), even if your landlord does not accept credit cards as rent payment. We also love that it gives you great point multipliers and boasts some of the best transfer partners (Hyatt, United, American Airlines, Turkish Airlines, Aeroplan, and more). 

How to earn points:

Double points on the 1st of each month (6x dining, 4x travel, 2x all purchases except rent)

3x Dining

3x Lyft

2x Travel

1x Unlimited on all other purchases.

Notable Notable rebates and perks:

Incredible rent day promotions (for example a 100% transfer bonus to Flying Blue)

Travel Insurance

Primary car rental insurance

Purchase Protection