Bilt Credit Cards for Family Points Travel
For current welcome bonus amounts, check our Current Best Offers page — those numbers change too often to keep accurate here.
Bilt is the one card on this list that isn’t about a sign-up bonus — it’s about something most points content ignores entirely: turning your rent or mortgage payment into points, with no transaction fee. For a lot of families, that’s the single biggest “free” points opportunity available, since it’s money you’re spending anyway.
Why Chase works well for families
Earns points on rent or mortgage — most cards either don’t allow rent payments or charge a ~3% fee to do so. Bilt doesn’t.
Bilt Points transfer to a strong list of airline and hotel partners, similar in usefulness to Chase or Amex transfer partners. Strong transfer partners include Hyatt and Japan Airlines
Bilt links to Rakuten which helps to maximize points earnings and offers increased transfer bonuses on Rent Day
The card I’d start most families on: Bilt Palladium
Annual fee: $495. *(See our Current Best Offers page for today’s exact welcome bonus — this card’s offer is pretty firm at 50k points.
Highlights for families:
– 2x points on $1 on everything
– 1x point per $1 on rent/mortgage
– 4% back in Bilt Cash on everyday non-housing purchases, or points on dining/travel depending on the rewards option you select
– $400 annual hotel credit
Application Tips
Bilt is one of the only cards where the *habit* matters more than the bonus. If you rent, this card alone can generate enough points for a meaningful redemption every year just from a payment you’re already making — no extra spending required. For homeowners with a mortgage, check whether your mortgage servicer is eligible before counting on this benefit, as not all are supported.
The Points Parents 
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