If you live in a property that has a partnership with Bilt (https://www.biltalliance.com, they claim 4M+ properties), I think you can pay directly with the app without the credit card. I don’t live in one so maybe someone else can provide more color.

You can also link your non-Bilt credit or debit card to Bilt and earn purchases on restaurants. Similarly, you can also earn points on Lyft.

Lastly, you can pay rent with a non-Bilt credit card and pay a 3% fee. You earn 250 points by doing this but it isn’t advisable.