Bilt

The company operates a two-sided fintech and loyalty ecosystem built around housing payments. On the consumer side, it provides a rewards programme linked to rent, mortgage and everyday card spend, accessible through a payments centre, mobile/web app and a tiered credit card portfolio. On the enterprise side, it integrates with property-management systems to power digital rent and mortgage payments, credit-reporting features and resident engagement, and with local merchants and POS providers to attribute neighbourhood spend.

Value is created for consumers by turning high-value, recurring housing costs and nearby purchases into redeemable points and cash-like rewards, and for partners by driving resident retention, higher payment digitisation, and targeted local customer acquisition. The business captures value primarily through financial-transaction economics (interchange, funding subsidies, interest income, payment fees) and through B2B relationships with property owners/managers and merchants that pay to access the network and its loyalty and marketing tools.

Bilt Rewards is a US-based fintech and loyalty platform focused on housing payments. It enables renters and homeowners to earn points on rent, mortgages and local merchant spend via a payments hub, co-branded credit cards and a neighbourhood loyalty network, and then redeem those points for travel, statement credits and housing-related rewards.

The company partners with banks, property owners/managers and local merchants. It earns revenue from card interchange and bank subsidies, annual card fees, transaction and processing fees on rent and mortgage payments, merchant commissions and marketing fees, and property manager fees for resident engagement and payments tools. Recent acquisitions in commission management and receipt-level data infrastructure extend its capabilities in travel rewards and item-level transaction data.