Bilt Rewards and Rakuten — certainly one of our favourite online shopping portals — simply introduced a brand new partnership. By means of this partnership, you may redeem cash-back rewards from Rakuten for Bilt Factors.
Bilt founder and CEO Ankur Jain wrote in a press launch, “We’re thrilled to launch this partnership at present, simply as the vacation procuring season kicks into excessive gear. Beginning proper now, whether or not you are furnishing your house, looking for the vacations, or checking objects off your weekly to-do listing, you are incomes factors that may e-book you a flight to Tokyo, assist to cowl subsequent month’s lease, or unlock unique experiences. The combination is seamless: hyperlink your accounts, store as you usually would by means of Bilt or Rakuten, and accumulate your rewards. That is the reward that retains on giving.”
As Jain stated, you may uncover and store Rakuten presents straight inside the Bilt app, or you may store by means of Rakuten’s web site, browser extension or app. No matter the way you store Rakuten presents, you may earn cash-back rewards that you could then redeem for Bilt factors.
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Nonetheless, you have to to hyperlink your Rakuten account by means of the Bilt app. When you achieve this, choose “Bilt Factors” as your Rakuten fee technique after which store by means of Rakuten as you usually would. Since Bilt factors are your Rakuten fee technique, you will get Bilt factors robotically every quarter (since Rakuten has a quarterly payout schedule).
To be clear, you will solely have the ability to get Bilt factors as your Rakuten payout technique for purchases when you hyperlink your accounts and choose Bilt factors as your fee technique. And there are some limited-time presents to get members to hyperlink their accounts and choose in to earn Bilt factors when utilizing Rakuten.
For the primary six months, all Bilt member status tiers will get pleasure from a 1:1 conversion ratio. This 1:1 conversion ratio means $10 in Rakuten money again will equal 1,000 Bilt factors. After that time, Bilt members with Blue standing will obtain 50 Bilt factors per greenback in Rakuten money again, and Bilt members with Silver standing or greater will proceed to get 100 Bilt factors per greenback of Rakuten money again.
Moreover, Bilt members will earn 2,500 bonus Bilt factors in the event that they join Rakuten by means of the Bilt app after which make a qualifying buy of $25 or extra. Word that this bonus applies to new Rakuten members solely.
Must you choose to hyperlink your Rakuten and Bilt Rewards accounts?
Rakuten permits you to earn cash-back rewards at 1000’s of on-line retail retailers. Nonetheless, for many factors and miles fans, opting to earn Amex factors as an alternative of Rakuten money again has been a profitable rewards-earning possibility. You’ll earn 100 Amex factors per greenback spent in Rakuten money again.
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Since TPG values Amex factors at 2 cents apiece, per our November 2025 valuations, 100 Amex factors equals $2.
However, with Rakuten’s new partnership with Bilt, do you have to change your incomes possibility?
For the primary six months, Bilt members will earn 100 factors per greenback spent in Rakuten money again. Subsequently, 100 Bilt factors equals $2.20, per our November 2025 valuations, by which we worth Bilt factors at 2.2 cents apiece. Nonetheless, following the six-month promotional interval, Bilt’s Blue standing members (entry-level tier) will solely earn 50 Bilt factors per greenback spent, which is valued at $1.10.
Whereas incomes Membership Rewards factors by means of Rakuten could yield a better worth for non-Bilt standing holders, the latter has 22 airline and lodge switch companions in comparison with Amex’s 20 companions. Moreover, to earn Membership Rewards factors, you should have an present eligible Amex card, whereas Bilt doesn’t require members to be cardholders to earn rewards factors.
Subsequently, if incomes Amex factors is not an possibility as a non-eligible cardholder, for many who worth journey rewards factors over money again, incomes Bilt factors could possibly be a extra profitable possibility.
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Backside line
When you have Bilt standing and worth Bilt factors greater than American Categorical Membership Rewards factors (as TPG’s November 2025 valuations do), then you definately’ll probably wish to arrange a cash-back rewards Rakuten account and choose Bilt factors as your fee technique. And for the six months that each one Bilt members get pleasure from a 1:1 conversion ratio, it is a good time to hyperlink your accounts and earn Bilt factors by means of Rakuten.
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