Yearly, the TPG Awards honor excellence in bank cards, loyalty applications and journey. Please click here to learn extra about our winner choice course of and methodology for the 2024 TPG Awards.
In case you’re searching for a loyalty program superb for renters, Bilt Rewards is a stable possibility. As a member, you will earn Bilt Factors while you pay lease and make your common on a regular basis purchases. The factors you earn could be redeemed for journey by way of loyalty companions, lease or future down funds, health lessons, and extra.
Plus, there are not any transaction charges (see rates and fees) on lease funds while you use the Bilt Mastercard®. You possibly can earn as much as 100,000 factors on lease per calendar 12 months.
We’re celebrating the Bilt Mastercard (see rates and fees) for profitable the Greatest No-Annual-Charge Journey Rewards Credit score Card award on the 2024 TPG Awards. This card is a powerhouse for renters, who can earn useful Bilt factors on their lease funds with no transaction charge. You will need to make at the least 5 transactions on the cardboard each assertion interval to earn factors (see rewards and benefits).
Whereas we love this card, you need not have it to earn and redeem factors within the Bilt Rewards program.
TPG’s Could 2025 valuations place Bilt factors at 2.05 cents apiece, although there are many methods to get extra worth from them. Let’s delve into all the main points of the Bilt Rewards loyalty program and discover the right way to earn and redeem factors for max worth.
What’s Bilt Rewards?
Bilt Rewards is a loyalty program that permits you to earn factors to redeem towards journey, Amazon purchases, residence decor, health lessons and extra. You possibly can earn Bilt factors by merely turning into a member, linking a qualifying card to your Bilt Rewards account and transacting with Bilt companions.
Maybe most notably, you possibly can earn Bilt factors by paying your lease. With the Bilt Mastercard, you possibly can earn factors on lease with no transaction charge (see rates and fees).
How do you earn Bilt Rewards factors?
You do not essentially have to have the Bilt Mastercard or pay lease to earn Bilt factors. There are 9 major methods to earn Bilt factors.
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1. Incomes Bilt factors by paying lease
You possibly can earn 1 level per greenback spent on lease at any residence (as much as 100,000 factors per calendar 12 months) by paying your lease with the Bilt Mastercard.
You possibly can pay your lease together with your Bilt Mastercard by way of the Bilt app, but when your landlord solely accepts bodily checks, do not fret. You possibly can nonetheless pay your lease with the Bilt Mastercard on the app, after which Bilt will mail your landlord a lease verify every month, permitting you to earn factors on lease with out incurring any extra transaction charges (see rates and fees). If relevant, you may also course of funds by way of Venmo and your landlord’s on-line lease portal.
As of April 2025, now you can use a bank card that is not a Bilt Mastercard to pay lease, although it might not be the best choice. In case you use a Visa, Uncover or Mastercard, you will earn 1 Bilt point per dollar spent on rent. Utilizing an American Specific card, you will earn 1 Bilt level for each $2 spent. Nevertheless, you will incur a 3% transaction charge with this route.
2. Incomes Bilt factors with the Bilt Mastercard
Talking of the Bilt Mastercard, it presents a easy incomes construction:
- 5 factors per greenback spent with Bilt Eating companions and Lyft, when you hyperlink your Bilt and Lyft accounts and pay with the Bilt Mastercard
- 3 factors per greenback spent on eating
- 2 factors per greenback spent on journey booked straight with the supplier or by way of the Bilt Journey Portal and on Walgreens purchases and prescriptions
- 1 level per greenback spent on lease funds (as much as 100,000 factors per calendar 12 months) and all different purchases
You will need to use your card at the least 5 instances throughout every assertion interval to earn factors.
This no-annual-fee card (see rates and fees) presents spectacular perks, together with an Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, and No Foreign Transaction Fees (see rates and fees).
You don’t want to pay lease to use for the Bilt Mastercard.
Associated: Should you pay your rent with Bilt? We crunch the numbers
3. Incomes Bilt factors by way of Bilt Eating
Bilt additionally has its personal eating rewards program known as Bilt Dining.
You possibly can hyperlink any Visa, Mastercard or American Specific bank card to the Bilt Eating program to earn as much as 3 factors per greenback spent at Bilt Eating eating places while you pay with any eligible card in your Bilt Pockets.
These earnings come along with what you earn together with your bank card. For instance, in the event you pay together with your Bilt Mastercard, you will earn 3 extra factors per greenback spent*, for a complete of as much as 6 Bilt factors per greenback spent. Put otherwise, that is a 12.3% return in your eating purchases, in keeping with TPG’s Could 2025 valuations.
Bilt states you could earn as much as 10 factors per greenback spent on consuming at a Bilt Eating restaurant and paying with any eligible card on file in your Bilt Pockets. Plus, there is no such thing as a cap on what number of factors you possibly can earn by way of Bilt Eating.
4. Incomes Bilt factors on the Bilt journey portal
Expedia powers Bilt’s travel portal, the place you possibly can earn factors on flights, resort stays, automobile leases and issues to do. As a Bilt member, you earn 1 level per greenback spent on journey booked by way of the portal.
As a Bilt Mastercard holder, you earn 2 factors per greenback spent on journey booked by way of the portal and a couple of extra factors per greenback by charging your buy to the cardboard*. That could be a complete of 4 Bilt factors per greenback spent.
5. Incomes Bilt factors with referrals
You will earn 2,500 factors every time you refer a buddy to the Bilt Mastercard, on as much as 50 complete referrals. For each 5 referrals, you earn 10,000 bonus factors. You possibly can refer associates to the cardboard by way of the web site or app.
6. Incomes Bilt factors with Lyft
You possibly can earn 2 Bilt factors per greenback spent on Lyft rides while you hyperlink your accounts. Whenever you pay on your experience with the Bilt Mastercard*, you will additionally obtain an extra 3 Bilt factors per greenback spent.
7. Incomes Bilt factors with health studios
You possibly can earn as much as 10 factors per greenback spent on health lessons booked by way of the Bilt app.
These studios embrace SoulCycle, Pure Barre, Barry’s and Rumble Boxing.
8. Incomes Bilt factors by taking part in the Hire Free recreation
Bilt presents a recreation show-style alternative for members to earn additional factors on Bilt Rent Day (the primary of the month): Hire Free.
Hire Free is ready up like “Household Feud,” with a brand new creator or character taking part in the sport every month. As a Bilt member, you possibly can earn factors with Hire Free while you decide a top-three reply, while you appropriately rank that reply (double factors) and when the superstar visitor picks the identical reply as you (triple factors).
On high of incomes factors, the highest 10-scoring gamers will win free lease for a month (as much as $2,500). The following 600 top-scoring members will get Bilt factors. In case you tie, the tie might be damaged primarily based on who performed the sport first.
9. Incomes Bilt factors on residence shopping for
In 2024, Bilt launched a brand new approach to earn factors: residence shopping for. The loyalty program partnered with eXp Realty, and while you work with an eXp agent, Bilt members will earn 1 level for each $2 of a house buy value. For instance, if you buy a house for $500,000 utilizing an eXp Realty agent, you possibly can earn as much as 250,000 Bilt factors. In response to TPG’s Could 2025 valuations, these factors can be value $5,125.
*You will need to use your card at the least 5 instances throughout every assertion interval to earn factors.
Associated: Bilt considering new credit card products to pair with points for mortgage payments — here are our thoughts
Bilt Rewards elite standing tiers
Bilt presents 4 standing tiers. You possibly can attain Bilt elite standing in two methods: incomes Bilt factors and receiving fast-track standing with spending on the Bilt Mastercard and inside the Bilt ecosystem.
Whilst you will not earn fast-track standing on lease spending, you possibly can earn it by way of SoulCycle lessons booked within the Bilt app, Bilt Eating restaurant purchases made with any card linked in your Bilt Pockets, Lyft rides when Bilt is ready as your rewards accomplice, and bookings made by way of Bilt’s journey portal.
Each member of Bilt Rewards begins within the Blue tier.
Here is a fast overview.
| Blue | Silver | Gold | Platinum | |
|---|---|---|---|---|
| Possibility 1: Bilt factors qualification | All Bilt Rewards members | 50,000 factors | 125,000 factors | 200,000 factors |
| Possibility 2: Quick observe with spending | All Bilt Rewards members | $10,000 spent | $25,000 spent | $50,000 spent |
| Earn curiosity in your factors (at the FDIC-published national savings rate) | ✓ | ✓ | ✓ | |
| Blade advantages | ✓ | ✓ | ✓ (together with a complimentary Blade flight) | |
| Entry to complimentary homeownership concierge | ✓ | ✓ | ||
| Hire Day switch bonuses | Larger switch bonuses | Gold-level switch bonuses | Platinum-level switch bonuses |
Your member standing relies on the full factors earned in a calendar 12 months. You will obtain the upper of the 2 statuses by way of qualifying factors or by way of spending on the fast-track standing path.
Regardless of while you earn standing every calendar 12 months, it is good for the remainder of the 12 months and the next 12 months.
Bilt Platinum members can apply for an Air France-KLM Flying Blue standing match
Bilt Platinum members can obtain 12 months of Flying Blue Gold standing. To activate this standing match, members should go to the Bilt app and choose “Elite Standing Match.” Then, members should switch 10,000 Bilt factors to Flying Blue to formally activate their Gold standing. Fortunately, these 10,000 factors can be utilized towards a future Air France-KLM award flight.
After requesting standing, it could take as much as three enterprise days on your Flying Blue Gold standing to turn out to be formally lively.
Flying Blue Gold standing will give Bilt members extra airline perks and qualify them for SkyTeam Elite Plus standing, which incorporates advantages on different SkyTeam airways like Delta Air Traces.
Be taught extra about particular Flying Blue Gold standing perks on Flying Blue’s tier benefits page and the added advantages of getting SkyTeam Elite Plus standing on SkyTeam’s FAQ page.
Associated: How to earn ‘interest’ on your points balance with Bilt Rewards
The best way to use Bilt factors: Greatest-value possibility
The Bilt Rewards loyalty program provides you some ways to make use of your factors, although not all carry equal worth.
Let’s begin with one of the best ways so that you can redeem your Bilt factors. Nothing beats the outsize worth of transferring your factors to Bilt’s 20 airline and resort companions.
Switch your Bilt factors to journey companions
Becoming a member of these loyalty applications is free, even in the event you’ve by no means flown the airline or stayed with the resort model.
By transferring your Bilt factors to the fitting applications, you possibly can simply get 2.05 cents per level in worth — and maybe rather more — and rating a lie-flat airplane seat or an expensive resort keep.
| Program | Switch ratio | Switch time |
|---|---|---|
| ALL — Accor Stay Limitless | 3:2 | ** |
| Aer Lingus AerClub | 1:1 | Inside minutes |
| Air Canada Aeroplan | 1:1 | Inside 24 hours |
| Air France-KLM Flying Blue | 1:1 | Inside minutes |
| Alaska Airways Mileage Plan | 1:1 | Inside minutes |
| Avianca LifeMiles | 1:1 | As much as 72 hours |
| British Airways Membership | 1:1 | Inside minutes |
| Cathay Pacific Asia Miles | 1:1 | Inside minutes |
| Emirates Skywards | 1:1 | Inside minutes |
| Hilton Honors | 1:1 | Inside minutes |
| Membership Iberia Plus | 1:1 | Inside minutes |
| IHG One Rewards | 1:1 | Inside minutes |
| Japan Airways Mileage Financial institution | 1:1 | ** |
| Marriott Bonvoy | 1:1, with 5,000 bonus factors for each 20,000 factors you switch in a single switch | Inside 48 hours |
| Southwest Airways Fast Rewards | 1:1 | ** |
| TAP Miles&Go | 1:1 | ** |
| Turkish Airways Miles&Smiles | 1:1 | Inside minutes |
| United Airways MileagePlus | 1:1 | Inside minutes |
| Virgin Atlantic Flying Membership | 1:1 | Inside minutes |
| World of Hyatt | 1:1 | Inside minutes |
**TPG has not but examined transferring Bilt factors to those applications.
Greatest-value switch companions
Bilt Rewards companions with a few of our favourite airline and resort loyalty applications, together with Alaska Airlines Mileage Plan, Air Canada Aeroplan, Air France-KLM Flying Blue, Virgin Atlantic Flying Club and World of Hyatt. These applications have largely stored normal award charts for award flights and resort nights, that means you will pay a predictable fee and may usually get outsize worth out of your factors.
Switch bonuses
Bilt Rewards has traditionally supplied a few of the greatest switch bonuses we have seen throughout Hire Day (the primary of each month).
These have included 150% switch bonuses to some carriers, comparable to Emirates Skywards, and as much as a 100% switch bonus to Alaska Airways Mileage Plan for July 2024 Hire Day. Moreover, Bilt has beforehand supplied a 100% switch bonus to Flying Blue.
Associated: The best airline award chart sweet spots
The best way to use Bilt factors: Medium-value choices
The next redemption choices will get you respectable worth with a redemption fee of at the least 1 cent per level.
Use your factors to save lots of up for a down fee on a house
Bilt presents the distinctive potential for customers to save lots of up their factors towards a down fee on a house.
In case you go for this route, your Bilt factors are valued at 1.5 cents every towards a down fee. This implies 10,000 Bilt factors are value $150 towards your down fee.
Redeem for journey on the Bilt journey portal
You should utilize the Bilt journey portal to offset the price of flights, stays, rental vehicles and actions at a fee of 1.25 cents per level.
The best way to use Bilt factors: Poor-value choices
If you wish to extract most worth out of your Bilt Rewards factors, you will seemingly wish to keep away from a few of these much less useful redemption choices.
Use factors for Amazon purchases
You possibly can choose your Bilt Mastercard on Amazon as a fee technique and redeem your factors to cowl all or a portion of your buy at checkout. Nevertheless, Bilt factors are value 0.7 cents every when used this fashion.
For instance, you will want roughly 14,300 Bilt factors to cowl a $100 Amazon buy. Evaluate that to TPG’s Could 2025 valuation of two.05 cents per Bilt level, and it isn’t essentially one of the best deal.
Store the Bilt Assortment
The Bilt Assortment is a curated listing of things, together with artwork, residence decor and attire. The worth per level will differ, however because it hardly ever exceeds greater than 1 cent per level, you must seemingly move on this feature.
Redeem your factors for health lessons
Fitness enthusiasts can redeem their Bilt factors to attend name-brand lessons like SoulCycle, Solidcore, and Y7 Studio. The worth will depend upon the category you choose, nevertheless it hovers round 1 cent per level.
Redeem your factors for lease
A probably engaging possibility together with your factors is to save lots of them to assist cowl your subsequent lease fee. Nevertheless, the redemption worth is simply 0.55 cents per level.
Associated: Ways college students can meet credit card minimum spending requirements
Ceaselessly requested questions
Does the Bilt Mastercard cost a charge to pay lease?
No, the Bilt Mastercard doesn’t cost a transaction charge (see rates and fees) while you use it to pay lease by way of Bilt Rewards. Nevertheless, you possibly can solely earn 100,000 factors on lease every calendar 12 months, and you need to make at the least 5 transactions with the cardboard in every assertion interval to earn factors.
Can you utilize Bilt with out the Bilt Mastercard?
Sure. You shouldn’t have to carry the Bilt Mastercard to enroll in Bilt Rewards and earn Bilt factors in this system.
Does my landlord/administration firm need to have a partnership with Bilt?
No, you should utilize Bilt to pay lease even when your landlord doesn’t accomplice with this system.
What are Bilt factors value?
TPG’s Could 2025 valuations deem Bilt factors as value 2.05 cents per level. Relying on the way you redeem your factors, nonetheless, you possibly can get a a lot larger or decrease worth for them.
Is the Bilt Mastercard value it?
The Bilt Mastercard might be value it if you wish to earn factors on lease with out incurring a transaction charge (see rates and fees). The cardboard additionally options common bonus classes and might be an excellent possibility in the event you discover worth in this system’s switch companions.
Nevertheless, the cardboard would not function a conventional welcome bonus, and a few options aren’t as helpful in the event you stay in a much less populated space. So, as with every resolution, you must contemplate what you need in a card earlier than you apply.
Associated: Bilt Mastercard review: No-transaction-fee rent payments
Backside line
Bilt Rewards presents an distinctive worth proposition for each renters and nonrenters. Bilt has established partnerships with a few of the extra profitable airline and resort loyalty applications, enabling you to extract extraordinary worth out of your factors. Your factors switch seamlessly at a simple 1:1 ratio (besides when transferring to Accor), and most applications course of the transfers immediately.
Even in the event you aren’t renting or do not wish to apply for the Bilt Mastercard, you possibly can earn plenty of factors by linking your Lyft account, enrolling in Bilt Eating and reserving journey by way of the Bilt portal.
See Bilt Mastercard charges and charges here.
See Bilt Mastercard rewards and advantages here.
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