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If you’ve ever looked at your biggest monthly expenses—like your mortgage, rent, or HOA—and thought, “It’s a shame I can’t earn points on this” … that’s exactly the problem Bilt is trying to solve. With Bilt 2.0 , that idea is now a reality—but the value isn’t automatic. You have to understand how it works. What Is Bilt 2.0? At a high level, Bilt 2.0 lets you earn points on housing expenses , including: Rent Mortgage payments HOA dues How it works: 👉 Bilt gives you a checkin