Fee Protect is described as a way to prevent you from inadvertently paying fees for paying your rent with your Bilt Mastercard. Rent payments made through the Bilt app incur no fee. However, if you attempt to use your Bilt card to pay your rent through your landlord’s website or payment portal, Bilt will automatically decline the transaction “to save you the fees” that your landlord might charge for using a credit card. In reality, this is a clever way to make sure that Bilt controls the rent transaction and has the opportunity to sell the landlord on a Bilt Reward Alliance partnership, but since payments through the app are fee-free, this won’t be a problem for most people.