travel, rent credits, fitness classes, or even towards student loan and home purchase costs. The program reports rent payments to all three credit bureaus at no cost, helping users build credit history. Through its co-branded Bilt Mastercard®, users can earn additional points on categories like dining, travel, and ridesharing. It also offers Neighborhood Benefits™, connecting users with partner merchants—such as restaurants, fitness studios, pharmacies, and rideshare services—where linked cards earn bonus points and perks.