Bilt Mortgage Rewards: Earn Points on Home Loans

Bilt mortgage rewards now allow homeowners to actually earn points on mortgage payments, and this is through a groundbreaking partnership between Bilt Rewards and United Wholesale Mortgage. The UWM Bilt partnership was announced on October 14, 2025, and it enables mortgage holders to earn points on what’s typically their largest monthly expense. This program works through the Bilt Card 2.0, and it represents a significant shift in how rewards card benefits are being offered right now.

How Bilt Mortgage Rewards Make Homeownership More Rewarding

Bilt Rewards platform showing earning opportunities – Source: BiltBilt Rewards platform showing earning opportunities – Source: Bilt### The UWM Bilt Partnership Delivers New Benefits

The partnership between UWM and Bilt Rewards gives the homeowners a chance to gain points on the payments of their house and this is something that has also not been present all along. At the time of writing, this represents one of the first times that such a large housing expense can also generate rewards.

UWM and Bilt partnership announcement – Source: BiltUWM and Bilt partnership announcement – Source: BiltMat Ishbia, CEO of UWM, said:

“We’re excited to partner with Bilt Rewards to offer our clients an exclusive opportunity to earn points on their mortgage payments. This partnership reflects our commitment to innovation and providing added value to homeowners across the country.”

“We’re excited to partner with Bilt Rewards to offer our clients an exclusive opportunity to earn points on their mortgage payments. This partnership reflects our commitment to innovation and providing added value to homeowners across the country.”

Bilt executives Mat Ishbia and Ankur Jain – Source: Fox BusinessAnkur Jain, Founder and CEO of Bilt Rewards, said:

“Homeownership is the largest monthly expense for most Americans, and until now, it’s been an expense that provided no rewards. Through our partnership with UWM, we’re changing that dynamic and making every mortgage payment more valuable.”

“Homeownership is the largest monthly expense for most Americans, and until now, it’s been an expense that provided no rewards. Through our partnership with UWM, we’re changing that dynamic and making every mortgage payment more valuable.”

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Real estate for sale sign Bilt mortgage rewards – Source: Fox BusinessThe Bilt Card 2.0 serves as the main tool for earning Bilt rewards on housing expenses, along with other purchases. Homeowners can link their UWM mortgages to earn points on mortgage payments. They can also use the mortgage rewards card for everyday spending too.

The program also enables the redemption of points to be used in such items as traveling and fitness club memberships. That said, it can even work as future down payment. Mortgage payments are rewarding in a system that monitors and provides an automatic award of the points in the UWM Bilt partnership.

This program is currently enabling eligible UWM borrowers to convert their monthly housing expenses to valuable and multi-purpose rewards.

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