Bilt World Elite Mastercard®

Yes, for renters who will actually use it to earn points on rent. That is the whole reason to get this card, and it is a meaningful one because few cards let you turn rent into transferable rewards without charging an annual fee. The dining rate is also solid, and the lack of foreign transaction fees makes it easy to keep in your wallet for travel.

It is less compelling if rent is not part of the plan. Without that use case, the card looks more like a decent no-annual-fee rewards card with a good dining category, but not an obvious front-runner for everyday non-bonus spending. The missing welcome bonus also means the value builds slowly, so this card makes the most sense for people who want long-term rent rewards more than a quick first-year payoff.