The Bilt Master is a personal credit card from Bilt Master. The annual fee is $0. The ongoing APR is 21.24%–29.99% variable. Approval typically requires a credit score of 670 or higher. Rewards: 3x points on dining, 2x on travel, 1x on rent and all other purchases. No transaction fee on rent payments. Transfer to 15+ airline and hotel partners including AA, United, Hyatt, IHG. No annual fee..