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Can You Pay Mortgage with Bilt Using a Credit Card?
July 1, 2025
Quick Answer
While the Bilt Mastercard® (see rates & fees) is designed for fee-free rent transactions, this benefit does not extend to mortgage payments.
Should You Pay Mortgage With Bilt With A Credit Card?
Let's examine the upsides and downsides of using Bilt for your mortgage payments.
Benefits
- Earn Rewards: You can earn valuable rewards points on one of your largest monthly expenses, which can be transferred to various airline and hotel partners.
- No Transaction Fees: Bilt does not charge the 2-3% processing fee that mortgage servicers typically levy for credit card payments.
- Payment Float: Using a credit card provides a short-term float, allowing you to delay the cash outflow from your bank account until your card's due date.
Costs
- Interest Charges: If you don't pay your credit card balance in full each month, the high interest accrued will likely outweigh any rewards you earn.
- Transaction Requirement: To earn points, you must make at least five transactions on the card per statement period, which could encourage unnecessary spending.
- Added Complexity: It introduces an extra step to your bill-paying routine, as you must remember to pay off the credit card balance after making your mortgage payment.
How to Pay Mortgage With Bilt With A Credit Card
Paying your mortgage with a credit card via Bilt can be a savvy way to earn rewards on your largest monthly expense. Here’s how to set it up.
- Sign Up for Bilt Rewards. Before anything else, you need an account with Bilt. This service acts as the intermediary, allowing you to pay your mortgage servicer with a credit card, even if they don't directly accept them.
- Select the Right Credit Card. Maximizing this strategy depends on your card. You want one that offers valuable rewards without charging high fees for the transaction. You can use a platform like the Kudos Explore Cards tool to compare options and find a card that fits your spending habits.
- Add Your Payment Information. In your Bilt account, link the credit card you plan to use. You will also need to add your mortgage servicer's details. Bilt uses this information to send a payment on your behalf, either through an ACH transfer or by mailing a physical check.
- Initiate and Schedule Your Payment. Submit your mortgage payment through the Bilt portal. It's crucial to do this several days before your due date to account for processing times, especially if Bilt is mailing a check. Consider setting up recurring payments for convenience.
- Monitor and Confirm. After scheduling the payment, verify that the funds are withdrawn from your credit card and that your mortgage servicer receives the payment on time. Keep an eye on your rewards balance to ensure you're earning points as expected.
Impact On Your Credit Score
Using the Bilt Mastercard to pay your mortgage can be a double-edged sword for your credit score. Here are a few key factors to consider before you decide to use this payment method.
- Credit Utilization Ratio: A large mortgage payment can dramatically increase your credit utilization ratio, potentially lowering your score. It's crucial to pay off the balance quickly to mitigate this negative impact.
- Payment History: Making consistent, on-time payments for your mortgage via the card can positively influence your payment history. This is the most significant factor in determining your overall credit score.
- Hard Inquiry: Applying for the Bilt card will result in a hard inquiry on your credit report. This can cause a temporary, minor dip in your credit score for a few months.
Alternative Ways To Pay Mortgage With Bilt
Pay with a Linked Bank Account
For those who prefer not to use their credit line for large payments, Bilt offers a solution called BiltProtect Debit. When this setting is enabled, any rent or mortgage payment made with your Bilt Mastercard will automatically pull the funds directly from your linked bank account. This allows you to earn points on your mortgage payment without affecting your credit utilization or accruing interest, effectively using the card as a debit vehicle for that specific transaction.
Select Your Payment Delivery Method
Another important consideration is how the payment reaches your lender. Bilt can facilitate the transaction by sending an ACH transfer or mailing a physical check on your behalf. You can select your preferred method within the Bilt app. It's essential to verify which payment type your mortgage servicer accepts to prevent delays. Some lenders may have a preference or only accept one method, so confirming this beforehand ensures a smooth and timely payment process.
Choose the Right Card to Pay Mortgage With Bilt
Finding the perfect credit card to handle your Bilt mortgage payments doesn't have to be a guessing game. The right card should align with your financial goals, whether that's maximizing rewards, minimizing fees, or building credit. Kudos’ Explore Tool offers a transparent way to compare nearly 3,000 cards, using a preference-matching feature to show you the best options for your needs. You can explore all cards and make an informed decision without the pressure of affiliate-driven recommendations.
For those looking to maximize their credit card benefits, Kudos is the ultimate free tool for online shopping. Plus, we are currently offering a $20 bonus after your first qualifying purchase when you sign-up for free with the code 'GET20'.
Frequently Asked Questions
Does paying my mortgage with the Bilt card affect my credit score?
Yes, it can impact your credit score by affecting your credit utilization ratio, just like any other transaction.
Are there fees for paying my mortgage with the Bilt card?
Bilt does not charge a fee, but your mortgage servicer or a third-party payment processor might add one.
Do I earn points on mortgage payments with the Bilt card?
Yes, you earn Bilt Points on mortgage payments - you must use the card 5 times each statement period to earn points.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
