Sally French

This really depends on how much of your spending you're doing on other things.

And there's even another tier that we haven't even talked about yet, which is if you're spending the same amount on your credit card on other stuff that's not housing.

So for that $4,000 rent example we've been using, if you're also spending $4,000 a month on other things, on going out to eat, on vacations, and you're putting it all on your built card,

you could earn 1.25 points per dollar on your rent.

So for the $4,000 a month rent, you'd earn an additional 5,000 points on your rent.

That's just a lot of spending.

Let's talk about what happens if you do not spend even 25% on your rent.

Will you earn any built points under this option if you're spending, let's say, only a couple hundred dollars on this card and that's not even 25% of your rent payment?

There is a minimum number of points you'll get just for paying rent with this one of these build cards, and that's 250 points.

If you don't spend at least 25% of your rent or mortgage payment on other things, you'll at least earn 250 points, which like pennies.

It's like really not a lot of money.

Yeah.

Honestly, maybe in that case, you just think about the second option for earning it.

This is just one of the earning schemes of how to earn points on rent or mortgage payments.

So let's move on to the next one, option two.

I've done a lot of math in the past couple of days.

Okay, option two, you can choose to earn the standard number of points on all the purchases.

And then as far as earning on rent, you will basically earn a 4% back in this new currency called Bilt Cash.

on all of your purchases that are not rent or mortgages.

And then you can apply that 4% back in built cash towards a 3% fee to earn points on your rent or mortgages.