Earn Mortgage Points with Bilt Card 2.0 Launching in 2026
Bilt Rewards has officially announced the launch of the Bilt Card 2.0, set to debut on February 7, 2026. This innovative card will revolutionize how users earn rewards, allowing points on eligible mortgage payments, regardless of the mortgage provider.
Overview of Bilt Card 2.0 Launch
The Bilt Card 2.0 rollout will feature three new cards, replacing the existing Bilt Mastercard®. Current Bilt Mastercard® holders don’t need to take any immediate action. However, applications for new Bilt Mastercard® accounts closed on November 5, 2025.
Key Features of Bilt Card 2.0
- Launch Date: February 7, 2026.
- Eligibility for Mortgage Points: Users can earn points on mortgage payments from any lender.
- Card Options: Three new card types will be introduced.
- Seamless Transition: Current cardholders will keep their existing card numbers, making the transition smooth.
- Payment Integration: Apple Pay and Google Pay will automatically update with the new card information.
Cardholder Options
Current Bilt Mastercard® users will have the opportunity to choose one of the new card options after details are revealed in early January 2026. Selecting a new card will result in a soft credit pull. If holders opt not to switch, they can close their Wells Fargo account or convert their Bilt Mastercard® to a Wells Fargo Autograph® Card.
The Importance of Earning Mortgage Points
The inclusion of mortgage payment points is particularly noteworthy. This unique feature makes the Bilt Card 2.0 attractive not only to renters but also to homeowners. It marks a significant development in the rewards credit card space, offering benefits to a wider audience.
As customers await further details in January, they should consider signing up for notifications on the new cards at bilt.com/card. This will ensure they are among the first to learn about the exciting offerings in 2026.
