Bilt lets you pay your bill online, by phone, or through automatic payments from your bank account

The Bilt Mastercard is issued by Customers Bank, and you can send a payment through their online portal, their mobile app, by calling their customer service line, or by setting up automatic payments. You do not mail a check to Bilt — all payments go through Customers Bank's payment system. The card itself is designed around rent payments, so Bilt also lets you use your card to pay rent to a landlord without a fee, which is unusual for credit cards.

Payments are due by the statement due date shown on your monthly statement. If you pay after that date, you will be charged a late fee and your payment history will be reported to credit bureaus. Paying at least the minimum amount by the due date keeps your account in good standing.

Key Takeaways

  • You can pay Bilt through the Customers Bank website, the Bilt mobile app, by phone at the number on your statement, or by setting up automatic payments from your bank account.
  • Payments made online or through the app usually post within one business day, but phone payments may take longer depending on the method you choose.
  • Setting up automatic payments ensures you never miss a due date, and you can choose to pay the full balance, the minimum, or a custom amount each month.
  • Bilt allows you to pay rent to your landlord using the card without a transaction fee, which is a feature most credit cards do not offer.
  • Late payments trigger a fee and are reported to credit bureaus, which can lower your credit score.

Paying online through the Customers Bank website

Go to the Customers Bank login page and enter your username and password. If you do not have an online account yet, you will need to create one by providing your card number, Social Security number, and other identifying information. Once you are logged in, look for the "Make a Payment" or "Pay My Bill" option in the main menu.

You can pay from a checking or savings account linked to your bank, or use a debit card. Enter the amount you want to pay, choose your payment date, and confirm. Payments made before 5 p.m. Eastern Time on a business day usually post the next business day. If you schedule a payment for a future date, Customers Bank will process it on that date.

Keep your confirmation number for your records. The website will show your payment history and upcoming due dates so you can track what you owe.

Paying through the Bilt mobile app

Download the Bilt app from the Apple App Store or Google Play Store, then log in with the same credentials you use for the Customers Bank website. The app shows your current balance, available credit, and recent transactions on the home screen.

Tap "Make a Payment" or the payment icon, then enter the amount and choose your payment method. You can pay from a linked bank account or debit card. Select your payment date and review the details before confirming. The app will send you a confirmation and a receipt you can save.

The mobile app is often faster than the website if you are paying on the go, and you can check your balance and recent activity anytime without logging into a computer.

Paying by phone

Call the customer service number on the back of your Bilt card. A representative will verify your identity by asking for your card number, Social Security number, or other information. Tell them you want to make a payment and provide the amount.

You can pay from a checking or savings account by providing your routing number and account number, or use a debit card. The representative will confirm the payment date and give you a confirmation number. Phone payments may take one to two business days to post, depending on the method you use.

Phone payments are useful if you have questions about your account or if you are not comfortable paying online, but they are slower than online or app payments.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. Log into your Customers Bank account online or through the app, find the automatic payment or recurring payment section, and choose how much you want to pay each month. You can set it to pay your full balance, your minimum payment, or a fixed amount you choose.

Select the date you want the payment to come out each month — many people choose a date shortly after they get paid or shortly before their statement due date. Customers Bank will pull the payment from your linked bank account on that date every month until you cancel it.

You can change or cancel automatic payments anytime through your online account. If your balance changes or you want to pay extra one month, you can always make an additional payment on top of your automatic payment.

Paying rent with your Bilt card

Bilt's main feature is the ability to pay rent without a fee. Most credit cards charge a fee (usually 2 to 3 percent) when you use them to pay rent, but Bilt does not. To pay rent, use the Bilt app or website and select "Pay Rent" instead of "Make a Payment."

Enter your landlord's name and address, the rent amount, and the payment date. Bilt will send the payment to your landlord, usually within one to two business days. Your landlord will receive the money in their bank account, and the payment will show on your Bilt statement as a charge to your card.

This feature is useful if you want to build credit history through rent payments — most landlords do not report rent to credit bureaus, but paying rent with Bilt counts as a credit card purchase and does show up on your credit report.

What happens if you miss a payment

If your payment does not arrive by your statement due date, Bilt will charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.

More importantly, a late payment is reported to the three major credit bureaus — Equifax, Experian, and TransUnion — and will lower your credit score. A single late payment can drop your score by 50 to 100 points or more, depending on your current score and credit history. Late payments stay on your credit report for seven years.

If you think you will miss a due date, contact Customers Bank customer service as soon as possible. They cannot erase a late fee, but they may be able to work with you on a payment plan or discuss your options.

Frequently Asked Questions

How long does it take for a payment to show up on my account?

Online and app payments usually post within one business day if you submit them before 5 p.m. Eastern Time on a weekday. Phone payments may take one to two business days. Payments submitted on weekends or holidays will post on the next business day.

Can I pay my Bilt card with another credit card?

No. Customers Bank only accepts payments from checking accounts, savings accounts, or debit cards. Paying a credit card with another credit card is not allowed and would be treated as a cash advance, which carries a higher interest rate and an upfront fee.

What if I pay more than I owe?

If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also request that Customers Bank refund the overpayment to your bank account, though this may take a few business days to process.

Is there a minimum payment amount?

Yes. Your minimum payment is shown on your monthly statement and is usually 1 to 3 percent of your total balance plus any fees and interest. Paying only the minimum means you will pay interest on the remaining balance, but it keeps your account in good standing as long as you pay by the due date.

Can I change my payment due date?

You can contact Customers Bank customer service to request a due date change. They may be able to move your due date to a different day of the month, which can help if your due date does not line up with when you get paid. Changes usually take effect on your next billing cycle.