Pay your Bilt Mastercard through the Bilt app, their website, or by phone — the method you choose depends on how quickly you need the payment to post
Bilt is a Mastercard designed around rental payments, and you pay it the same way you'd pay any other credit card: through their online portal, mobile app, or by calling their customer service line. The fastest way is usually the app or website, where you can see your balance when ready and schedule a payment for today or a future date. If you prefer to speak with someone or need help troubleshooting a payment, you can call the number on the back of your card.
The key difference with Bilt is that you can also pay your rent directly through the Bilt app and earn rewards points on that rent payment — which is the main reason most people get the card in the first place. That's a separate transaction from paying your credit card bill itself, though both happen through the same app.
Key Takeaways
- You can pay your Bilt bill online through their website, through the mobile app, or by calling customer service at the number on your card.
- Payments made online or through the app typically post within one to two business days, while phone payments may take slightly longer depending on the time of day you call.
- You can schedule a payment in advance through the app or website, which is useful if you want to make sure a payment posts by your due date without having to remember on the day itself.
- Paying rent through the Bilt app earns you rewards points, but that's different from paying your monthly credit card bill — both are possible through the app.
Paying through the Bilt mobile app
The Bilt app is available on iOS and Android. Once you log in with your username and password, you'll see your current balance and due date on the home screen. Tap the "Pay" button or "Make a Payment" option, and you'll be asked to enter the amount you want to pay and the date you want it to post.
You can pay your full balance, the minimum payment, or any amount in between. If you want the payment to post when ready, select today's date; if you want to schedule it for later, choose a future date. The app will confirm the payment details before you submit, so you can catch any errors before they go through.
Payments made through the app typically post within one to two business days. If you're close to your due date and worried about a late payment, it's safer to pay a few days early rather than waiting until the last day.
Paying through the Bilt website
Go to the Bilt website and log into your account using the same credentials you use for the app. Navigate to the payments section, which is usually labeled "Pay My Bill" or "Make a Payment." Enter your payment amount and the date you want it to post, just as you would in the app.
The website works the same way as the app, and payments posted through either method go to the same account. Some people prefer the website on a computer for a larger screen, while others find the app faster on their phone — it's entirely your preference.
Paying by phone
Call the customer service number on the back of your Bilt card. A representative will ask for your account information and the amount you want to pay. They can process the payment when ready over the phone and give you a confirmation number on the spot.
Phone payments may take an extra day or two to post compared to online payments, depending on what time you call and how the payment is routed. If you're calling close to your due date, mention that to the representative so they can note it in your account.
Understanding your due date and payment important date
Your Bilt statement will show a due date, which is the last day you can pay without risking a late fee or damage to your credit score. Payments posted through the app or website typically take one to two business days, so if your due date is a Friday, you should pay by Wednesday at the latest to be safe.
If you miss your due date, Bilt will report the late payment to the credit bureaus, which will lower your credit score. A single late payment can stay on your credit report for up to seven years, though its impact on your score decreases over time. If you do miss a payment, contact Bilt as soon as possible — sometimes they can work with you on a one-time courtesy, especially if it's your first late payment.
Setting up automatic payments
If you want to remove the risk of forgetting to pay, you can set up automatic payments through the Bilt app or website. You can choose to pay your full statement balance, your minimum payment, or a fixed amount each month on a date you select.
Automatic payments are especially useful if you have multiple credit cards and want to make sure at least one of them gets paid on time every month. You can change or cancel automatic payments at any time through your account settings, so there's no long-term commitment.
Paying rent through Bilt and earning rewards
Bilt's main feature is the ability to pay your rent with the card and earn rewards points — typically 3 points per dollar spent on rent, with no cap on how much rent you can charge. This is separate from paying your credit card bill itself.
When you pay rent through the Bilt app, you're charging your rent to the card, which increases your balance. You then pay that balance (plus any other purchases you've made) through the payment methods described above. The rewards points post to your account after the rent payment is processed, and you can redeem them for statement credits, gift cards, or other rewards depending on what Bilt offers at the time.
Frequently Asked Questions
What happens if I pay late?
A late payment will be reported to the credit bureaus and will lower your credit score. Bilt will also charge you a late fee, which varies depending on how late the payment is. The longer you wait, the higher the fee. Contact Bilt when ready if you miss a payment to discuss your options.
Can I pay my Bilt card with another credit card?
No, credit card companies do not allow you to pay your bill with another credit card. You can pay with a bank account (debit), wire transfer, or check, but not with another card. Paying with another credit card would also count as a cash advance on that card, which comes with higher fees and interest rates.
Is there a fee to pay my Bilt bill?
No, Bilt does not charge a fee for making a payment through their app, website, or phone line. If you pay by check or wire transfer, there may be fees depending on your bank, but those are not Bilt fees.
How do I know if my payment went through?
After you submit a payment through the app or website, you'll see a confirmation screen with a confirmation number. You can also check your account balance in the app or on the website to see if it has been reduced by your payment amount. Payments typically post within one to two business days.
Can I pay more than my minimum payment?
Yes, you can pay any amount up to your full balance. Paying more than the minimum reduces the interest you'll owe if you carry a balance, and it lowers your credit utilization ratio, which can help your credit score. There's no penalty for paying more than the minimum.