United + Bilt: Earn 2X United Miles on Rent Payments — Here’s When It’s Worth It

Bilt now lets most United MileagePlus consumer cardholders earn 2 total miles per $1 when paying rent through the Bilt app — up to $50,000/year and Bilt will add 0.5× Bilt points (that’s 1 Bilt point per $2 of rent) even when using a non-Bilt credit card. One mile posts from Bilt and one from your United card. There’s a 3% processing fee for paying rent with a non-Bilt credit card, so this only makes sense if the miles (and any Bilt points you also earn) are worth more than the fee for your situation. 

Details of the offer

Pay your rent with your United MileagePlus Chase Card through Bilt and earn 2 miles for every dollar you spend. You’ll see one mile per dollar in your MileagePlus account under Bilt Rent Cardmember Bonus Miles, and the other mile will show up on your credit card statement under United MileagePlus Award Miles Summary.

Here are the cards that are part of this program:

• The United Gateway Card
• The United Explorer Card
• The United Quest Card
• The United Club Card
• The United Presidential Plus Card

This is a Bilt–United arrangement, not a new Chase category. Your rent charge still counts as regular card spend for any Premier Qualifying Points (PQP) you earn from spend on your United card, subject to each card’s rules and caps. (Example: some cards earn PQP from purchases up to an annual maximum.) Check the current PQP accrual on your specific United card page. 

When you pay rent in Bilt with a non-Bilt credit card, Bilt currently awards 1 Bilt point per $2 (i.e., 0.5×) on that rent payment.

Paying rent in Bilt with a non-Bilt credit card carries a 3% processing fee. Bilt’s help center notes you’ll typically earn Bilt points even on third-party cards (currently 1 Bilt point per $2 on rent; Amex also 1 per $2). Terms can change—always confirm in-app. 

When Does Paying the 3% Fee Make Sense?

Let R = monthly rent.

• Fee cost: 0.03 × R
• Value back:
  • United miles: 2 × R × (your UA cents-per-mile)
  • Bilt points: (R / 2) × (your Bilt cents-per-point)

Example (illustrative):

• Rent $1,500 → fee $45
• UA miles = 3,000; at 1.3¢ value ≈ $39
• Bilt points = 750; at 1.6–2.0¢ ≈ $12–$15
• Total value ≈ $51–$54 vs. $45 fee → small positive ROI

If your combined value (2× UA + 0.5× Bilt) is >3%, it’s a win. If not, stick to Bilt Mastercard (no fee, 1× Bilt on rent) or ACH.

Who Should Consider This

• Rent charges are card spend and can help you earn PQP per your card’s rules (up to card-specific caps). Great if you’re short on PQP. 
• If you redeem UA miles at strong value (e.g., long-haul partner awards) and you’ll use Bilt points, 2X UA + some Bilt can beat the 3% fee.
• Temporarily routing rent through this channel can be a smart, controlled way to meet spend.

If you rarely redeem UA miles, don’t value Bilt points, or your landlord has other low-cost options, the 3% fee likely isn’t worth it.

How to Set It Up (1 Minute)

1. Open Bilt → Add your United card → set as rent payment method.
2. Pay rent via Bilt as usual.
3. Confirm two mileage postings (Bilt + card). 

Should You Do This?

• Yes if you’re a United flyer who redeems at >1.3¢ per mile and you’ll use Bilt points—especially if you’re also chasing PQP or a welcome bonus.
• Probably no if you don’t value UA miles/Bilt points or you have cheaper rent options.
• If your employer reimburses rent (relocation) or you’re temporarily boosting spend for a sign-up bonus, the 3% fee can be a tactical expense.

Bottom line

The United and Bilt rent trick only makes sense if the combined value you get from 2x United miles and the extra 0.5x Bilt points is more than the 3% fee. I’m talking about using those miles for high-value partner awards, getting closer to spending caps, or hitting a welcome bonus. If you rent a lot and often use United miles, this could be good for you. But if you only fly sometimes, it probably won’t be worth it. Just so you know, there’s a $50,000 per year limit (for consumer cards only). You’ll get your miles in two parts (1x from Bilt and 1x from your card). Bilt points show up separately at 1 point per $2.