BLT-CHA · No annual-fee rent hack
Rent doesn't usually earn points. Bilt changes that math — here's how it stacks up against a household already running the Chase trifecta.
Boarding pass
Bilt earns points on rent with no transaction fee — the one recurring expense most points strategies can't touch. Palladium adds a step-up multiplier on top of the free tier.
The math
Working example table — swap in your video's real figures before publishing.
| Source | Annual points | Value/pt | Annual value |
|---|---|---|---|
| Bilt on rent (1x) | 28,800 | $0.018 | $518 |
| Bilt on dining/travel (2x-3x) | 18,000 | $0.018 | $324 |
| Chase trifecta equivalent spend | 32,000 | $0.020 | $640 |
Verdict
Bilt doesn't replace the Chase trifecta — it adds to it. The rent points alone don't outearn a well-run trifecta on category spend, but rent is money you're already sending out the door, so Bilt's real value is capturing points on a bucket other cards never touch. Run both, and rent stops being dead spend.
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