Flex vs Bilt Rewards

Join 3.5 million customers using Flex. Split your rent into 2 payments—the first when it's due, the second on a date you choose during the month. When unexpected expenses hit, Flex gives you breathing room, whether you're paid weekly, biweekly, or have variable income. Your landlord or property gets paid upfront. Help build your credit history with on-time payments. Still have money left over on the 1st. HOW IT WORKS 1. Apply for Flex. If approved, set up your address and choose your payment schedule. 2. Your rent gets paid in full to your landlord or property. 3. You split rent payments in 2: half when rent is due, half before the end of the month. BUILD CREDIT FOR PAYING RENT Your on-time payments are reported to all major credit bureaus at no extra cost, so the rent you already pay can help to build credit history. SEE, SPLIT AND PAY YOUR BILLS IN ONE APP Flex is the app to split and pay your bills. Split your rent, car payment and everyday bills into smaller payments on dates that work for you. TRANSPARENT PRICING, BUILT TO GET YOU AHEAD What it costs: up to $5.99/month for the Flex membership, a 0.5% processing fee on the total bill amount, and a split fee of up to 3% of what you borrow (no reduction with early repayment). Debit card: no added charge. Credit card: 2.5% surcharge. FAQs - Can I pay rent, or my bills, in installments? Yes. One payment when your rent is due, a second later in the month, on a schedule you choose. - Is Flex a loan? No. Flex provides a line of credit through its bank partners, not a loan. - Does Flex report to credit bureaus? When turned on, on-time payments are reported to TransUnion, Experian, and Equifax, which helps build your credit history, included free with your Flex membership. *The #1 rent splitting app based on app store reviews, 2026. Disclosure Flexible Finance, Inc., together with its subsidiaries ("Flex"), is a financial technology company, not a bank. All loans, lines of credit , banking services, loan disbursements, and payment transmissions are offered by Lead Bank or Column N.A., Members FDIC. An application and credit assessment are required for approval. Availability of Flex services is subject to landlord and biller eligibility. Flex Rent users may pay a recurring monthly membership fee of $5.99; membership automatically renews until canceled. Flex Rent and Flex Bills users must pay a processing fee of 0.5% of your total rent or bill amount when paying your rent or bills through Flex services (an additional 2.5% surcharge applies when using a credit card). A split fee of up to 3% for each line of credit, based on how much you borrow each month, is also charged and cannot be reduced with early repayment. Flex Pay in Full users who are not extended a line of credit, are also subject to the 0.5% processing fee of their total rent amount (an additional 2.5% surcharge fee applies when using a credit card). Flex Pay in Full users who are not extended a line of credit are not subject to a recurring monthly membership fee. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. Your Flex payment history may impact your access to additional Flex services. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. Neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds. Brokering activities are performed by Flexible Finance Brokering, Inc. Servicing and collection activities are performed by Flexible Finance Servicing, Inc. Licenses Flexible Finance Brokering, Inc., Nationwide Multistate Licensing System ("NMLS") ID #2599800 Flexible Finance Servicing, Inc., NMLS ID #2256673 Please refer to NMLS Consumer Access for information on our licenses.

Bilt helps you transform your largest monthly expense—rent—into valuable rewards and unlock exclusive Neighborhood Benefits™. With Bilt, you can earn points on rent payments, build credit history, and unlock a world of rewards from travel to everyday redemptions. EARN REWARDS ON RENT Earn rewards on your largest monthly expense–rent. With every on-time rent payment, you'll earn Bilt Points – the industry's most valuable and flexible points currency. Plus, build credit history by automatically reporting your rent payments to all three major credit bureaus for free. ACCESS NEIGHBORHOOD BENEFITS™ Get even more at your favorite spots with exclusive Neighborhood Benefits™ at local restaurants, fitness studios, pharmacies, on Lyft rides, and more. Use any linked card with our neighborhood partners to stack Bilt Points, in addition to your usual card rewards. Unlock member benefits including complimentary items, member events, and more. REDEEM YOUR REWARDS Transfer your points 1:1 to your favorite airline miles and hotel points, use them for future rent payments, redeem for everyday purchases, or save them for a down payment on a home. Bilt offers the industry's most flexible and valuable redemption options. RENT DAY® REWARDS On the 1st of each month, we drop limited-time member benefits like unparalleled transfer bonuses, unique neighborhood dining experiences, a chance to win free rent through our Rent Free™ game, and more. Earn Points on Rent Payments: - Earn points on rent at any home, no matter where you live - Free credit building by reporting rent payments to all credit bureaus - No transaction fees on rent payments Unlock Neighborhood Benefits™: - Dining: Earn points and enjoy complimentary items at 20,000+ local restaurants - Fitness: Get complimentary add-ons at partner fitness studios like Barry's, SoulCycle, and more - Pharmacy: Apply automatic HSA/FSA savings at Walgreens - Lyft rides: Earn extra points on Lyft rides around your neighborhood Redeem the most flexible points: - Travel: Transfer points 1:1 to major airlines and hotels including United, American, Hyatt, and more, or use them in the Bilt Travel Portal - Rent: Use points towards future rent payments - Everyday Rewards: Redeem for Amazon purchases, gift cards, and more - Buy a Home: Save points for a down payment on a future home Earn Elite Status: - Earn status through points or eligible spend - Unlock increasingly valuable benefits across travel and everyday rewards - Customize your experience with Milestone Rewards at 25,000-point intervals Join over 4 million members who are transforming their largest monthly expense into their most rewarding one. Download the app today and start earning rewards on rent, in your neighborhood, and beyond.