Bilt Rewards: Earn points on rent, transfer bonuse...

Since its launch in 2021, Bilt Rewards has been referred to as this system that awards factors for lease. By way of the years, Bilt has undergone a bevy of updates and modifications — maybe none fairly as splashy and newsworthy because the rollout of three all-new Bilt 2.0 cards in January 2026.

However there’s way more to Bilt than housing rewards and bank cards. And you do not have to make housing funds via Bilt or have a Bilt bank card to earn helpful Bilt Factors via the loyalty program.

These factors could be redeemed for journey via loyalty companions, put towards lease or future down funds on a home, buying on Amazon, and extra.

TPG’s February 2026 valuations deem Bilt factors to be essentially the most helpful foreign money in the marketplace, at 2.2 cents apiece. Nonetheless, there are many methods to get much more worth from them.

Bilt Palladium Card (see rates and fees): Earn 50,000 Bilt factors plus Gold standing after spending $4,000 on non-housing purchases within the first three months. You’ll be able to earn $300 of Bilt Money upon approval (as much as $100 of Bilt Money earned rolls over to the subsequent 12 months).

Let’s dive into all the small print of the Bilt Rewards loyalty program and discover the best way to earn and redeem factors for optimum worth.

What’s Bilt Rewards?

Bilt Rewards is a loyalty program that permits you to earn factors to redeem towards journey, a down cost on a house, reward playing cards, Lyft rides, Amazon purchases and extra.

You’ll be able to earn Bilt factors by merely changing into a member (at no cost), linking a qualifying card to your Bilt Rewards account and transacting with Bilt companions.

Maybe most notably, you’ll be able to earn Bilt factors on lease and mortgage funds and by spending on one of many issuer’s three cobranded playing cards:

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As talked about above, you do not have to be a renter, house owner or Bilt cardholder to be a Bilt Rewards member. You’ll be able to create a free rewards account, hyperlink your playing cards and earn Bilt factors any time you transact with one in every of Bilt’s companions (together with eating places, ride-hailing companies, pharmacies, health courses and extra).

Associated: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered

How do you earn Bilt Rewards factors?

There are a number of methods you’ll be able to earn Bilt factors. Here is a deep dive on every methodology.

Incomes Bilt factors with a Bilt card

Every Bilt card offers a novel points-earning construction. These playing cards additionally earn factors on lease and mortgage funds and provide the choice to earn Bilt Money (a separate rewards foreign money) on on a regular basis purchases, however we’ll dive into these earnings later. Proper now, let’s concentrate on what number of Bilt factors these playing cards earn on on a regular basis, nonhousing spending.

With the Bilt Blue, you may earn 1 level per greenback spent on on a regular basis purchases.

With the Bilt Obsidian, you may earn:

• 3 factors per greenback spent in your selection of grocery (as much as $25,000 per 12 months) or eating*
• 2 factors per greenback spent on journey
• 1 level per greenback spent on on a regular basis purchases

*Your class selection stays in impact for your entire calendar 12 months.

With the Bilt Palladium, you may earn 2 factors per greenback spent on on a regular basis purchases.

To be taught extra in regards to the Bilt playing cards, learn our full evaluations of the Bilt Blue, Bilt Obsidian and Bilt Palladium.

Incomes Bilt factors on lease and mortgage funds

You probably have the Bilt Blue, Bilt Obsidian or Bilt Palladium, you may make lease or mortgage funds via Bilt with out incurring a transaction price.

Nonetheless, it’s a must to observe your spending — and do some little bit of math — to unlock your housing factors via Bilt.

A word on Bilt Money: We’ll dive deeper into the ins and outs of Bilt Money, Bilt’s inner rewards foreign money, and the best way to redeem it later. For now, it is price noting that every one three Bilt playing cards earn 4% again on on a regular basis purchases within the type of Bilt Money** — so long as you decide in to earn Bilt Money while you determine in your housing rewards construction.

**As much as $100 of Bilt Money earned rolls over to the subsequent 12 months.

Associated: I earned points paying my mortgage via Bilt — how to set up your account to do the same

Whenever you set up your Bilt card, you’re prompted to pick out between two housing rewards buildings. These are as follows:

• Versatile Bilt Money choice: Redeem Bilt Money to unlock Bilt factors in your housing cost on the following charge: $30 in Bilt Money equals incomes 1 level per greenback spent on $1,000 of your housing cost (sustaining the flexibility to earn 4% Bilt Money on all nonhousing purchases).
• Housing-Solely (no Bilt Money choice): Earn Bilt factors routinely in your housing funds every billing cycle primarily based on how a lot you spend on on a regular basis purchases along with your Bilt Card (forgoing the flexibility to earn 4% Bilt Money on all nonhousing purchases). The variety of factors you earn is determined by how a lot on a regular basis spending you do in comparison with your month-to-month housing cost throughout that billing cycle.

In the event you select the Housing-Solely system of incomes (and forgo incomes Bilt Money), these are your incomes tiers:

• In the event you spend not less than 25% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 0.5 factors per greenback spent in your lease or mortgage cost that month.
• In the event you spend not less than 50% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 0.75 factors per greenback spent in your lease or mortgage cost that month.
• In the event you spend not less than 75% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 1 level per greenback spent in your lease or mortgage cost that month.
• In the event you spend the quantity of your month-to-month housing cost(s) or extra in on a regular basis purchases on the Bilt card, you may earn 1.25 factors per greenback spent in your lease or mortgage cost that month.

To be taught extra about these incomes buildings, learn our full article on earning housing rewards through Bilt.

You might additionally use a bank card that is not a Bilt card to pay lease, although it will not be the best choice. In the event you use a Visa, Uncover or Mastercard, you may earn 1 Bilt point per dollar spent on rent. Utilizing an American Specific card, you may earn 1 Bilt level for each $2 spent. Nonetheless, you may incur a 3% transaction price with this selection.

Incomes Bilt factors via Bilt Eating

Bilt additionally has its personal eating rewards program referred to as Bilt Eating.

You’ll be able to 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 along with your bank card.

For instance, for those who pay with the Bilt Palladium, you’ll be able to earn as much as 3 further factors per greenback spent on prime of the two factors per greenback spent earned on on a regular basis spending with the Palladium — for a complete of as much as 5 Bilt factors per greenback spent. That is an 11% return in your eating purchases, in keeping with TPG’s valuations.

You probably have the Bilt Obsidian and choose to earn 3 factors per greenback spent on eating purchases, you might doubtlessly earn as much as 6 complete Bilt factors per greenback spent at Bilt Eating eating places, a return of 13.2%, per TPG’s valuations.

There is no such thing as a cap on what number of factors you’ll be able to earn via Bilt Eating.

To be taught extra about incomes Bilt factors this fashion, learn our full Bilt Dining guide.

Incomes Bilt factors on the Bilt Journey portal

The Bilt Travel portal permits members to earn factors on flights, lodge stays, automotive leases and actions.

As a Bilt Rewards member, you earn 1 level per greenback spent on flights booked via the portal and a pair of factors per greenback spent on lodge bookings made via the portal.

These factors additionally stack with what you may earn utilizing a Bilt card, ensuing within the following incomes charges:

• Bilt Blue: 3 factors per greenback spent on lodge stays booked via the Bilt Journey portal, 2 factors per greenback spent on flights booked via the portal
• Bilt Obsidian and Bilt Palladium: 4 factors per greenback spent on lodge stays booked via the portal, 3 factors per greenback spent on flights booked via the portal

Incomes Bilt factors with Lyft

You’ll be able to earn 2 Bilt factors per greenback spent on Lyft rides while you hyperlink your accounts.

As with incomes on the Bilt Journey portal, these factors additionally stack with what you may earn utilizing a Bilt card, ensuing within the following incomes charges:

Incomes Bilt factors with Walgreens

Bilt Rewards members additionally earn bonus factors once they use a linked card of their Bilt Pockets or a cellphone quantity related to their Bilt account at Walgreens checkout. These charges stack with on a regular basis spending charges on Bilt playing cards.

Here’s what you’ll be able to count on to earn:

• 2 factors per greenback spent on Walgreens-branded merchandise
• 1 level per greenback spent on different purchases made at Walgreens
• 100 factors per prescription refill with Walgreens (on as much as 26 refills per calendar 12 months)

Incomes Bilt factors with health studios

It’s also possible to earn as much as 3 factors per greenback spent while you ebook sure health courses via Bilt and use any linked card from the Bilt app or web site. These incomes charges additionally stack with on a regular basis spending bonuses on Bilt playing cards.

Listed here are some instance companions:

• Barry’s
• BFT
• CorePower Yoga
• CycleBar
• Pure Barre
• Rumble Boxing
• SoulCycle
• YogaSix
• Y7

Many health studio companions additionally present complimentary gadgets, resembling mats, footwear, towels or smoothies, while you ebook via Bilt.

Incomes Bilt factors with referrals

Earlier than Bilt’s 2.0 card revamp, you might earn referral bonuses for sharing hyperlinks with your pals to enroll in Bilt Rewards.

I requested a Bilt help agent what the present incomes charge is for these referrals. They wrote, “Extra particulars in regards to the Bilt Card referral program, together with a referral hyperlink you’ll be able to share with associates, might be coming quickly.”

So, for now, we’ll have to attend and see how a lot you’ll be able to earn with referrals.

Incomes Bilt factors by enjoying the ‘Lease Free’ recreation

Bilt gives a recreation show-style alternative for members to earn further factors on Bilt Rent Day (the primary of the month): “Lease Free.”

“Lease Free” is about up like “Household Feud,” with a brand new creator or character enjoying the sport every month. As a Bilt member, you’ll be able to earn factors with “Lease Free” while you decide a top-three reply, you appropriately rank that reply (double factors) and when the celeb visitor picks the identical reply as you (triple factors).

On prime of incomes factors, the ten top-scoring gamers will win free lease for a month (as much as $2,500). The subsequent 600 top-scoring members will get Bilt factors. In the event you tie, the tie might be damaged by who performed first.

Associated: Bilt 2.0 transition questions answered: What you need to know

Bilt Rewards elite standing tiers

Bilt gives 4 standing tiers: Blue, Silver, Gold and Platinum.

You’ll be able to attain Bilt elite standing in two methods: incomes Bilt factors and receiving fast-track standing via spending in your Bilt card and inside the Bilt ecosystem.

Whilst you will not earn fast-track standing on lease and mortgage funds, you’ll be able to earn standing via:

• Bilt Eating restaurant purchases made with any card linked to your Bilt Pockets
• Health courses booked via Bilt
• Lyft rides when Bilt is about as your rewards accomplice
• Nonhousing spending in your Bilt card
• Purchases made within the Bilt Journey portal
• Walgreens spending with any card linked to your Bilt account

Each Bilt Rewards member begins within the Blue tier.

Here is a fast overview.

Your member standing is predicated on the overall factors earned in a calendar 12 months. You will obtain the upper of the 2 statuses via qualifying factors or by way of spending on the fast-track path.

You will not earn Bilt factors towards standing via referrals, courtesy factors, factors from member surveys or incremental marketing campaign bonus factors.

Irrespective of while you earn standing in a calendar 12 months, it is good for the remainder of that 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 or KLM award flight.

Flying Blue Gold standing will give Bilt members further airline perks and qualify them for SkyTeam Elite Plus standing, which incorporates advantages on different SkyTeam airways, resembling Delta Air Strains.

Study 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 way to use Bilt factors: Finest-value choice

The Bilt Rewards loyalty program provides you some ways to make use of your factors, however not each methodology carries equal worth.

Let’s begin with the easiest way so that you can redeem your Bilt factors. Nothing beats the outsize worth of transferring your factors to Bilt’s airline and lodge companions.

Switch your Bilt factors to journey companions

Becoming a member of these loyalty packages is free, even for those who’ve by no means flown with the airline or stayed with the lodge model.

By transferring your Bilt factors to the proper packages, you’ll be able to simply get 2.2 cents per level in worth (in keeping with TPG’s valuations) — and maybe way more — and rating a lie-flat airplane seat or an opulent lodge keep.

***TPG has not but examined transferring Bilt factors to those packages.

Finest-value switch companions

Bilt Rewards companions with a few of our favourite airline and lodge loyalty packages, together with Air Canada Aeroplan, Air France-KLM Flying Blue, Atmos Rewards and World of Hyatt.

These packages have largely saved normal award charts for award flights and lodge nights, that means you may pay a predictable charge and may typically get outsize worth out of your factors.

Considered one of my favourite methods to redeem Bilt factors is transferring them to Atmos Rewards to book short-haul domestic American Airlines flights for 4,500 to six,000 factors one-way.

Switch bonuses

Bilt Rewards has traditionally provided a few of the greatest switch bonuses we have seen throughout Lease Day (the primary of each month).

These have included 150% switch bonuses to some packages, resembling Emirates Skywards, and a 100% switch bonus to Flying Blue (gives now not accessible).

Associated: The best airline award chart sweet spots

The way to use Bilt factors: Medium-value choices

The next redemption choices provide first rate worth, with a redemption charge of not less than 1 cent per level.

Use your factors to save lots of up for a down cost on a house

Bilt gives the distinctive skill for customers to save lots of up their factors towards a down cost on a house.

In the event you go for this route, your Bilt factors are valued at 1.5 cents every towards a down cost. This implies 10,000 Bilt factors are price $150 towards your down cost.

Redeem for journey on the Bilt Journey portal

You need to use the Bilt Journey portal to offset the price of flights, stays, rental automobiles and actions at a charge of 1.25 cents per level.

The way to use Bilt factors: Decrease-value choices

If you wish to extract most worth out of your Bilt Rewards factors, you may possible wish to keep away from a few of these much less helpful redemption choices.

Purchase reward playing cards

Bilt factors are price about 0.7 cents every when redeemed for reward playing cards, so we do not sometimes advocate this selection.

Use factors for Amazon purchases

You’ll be able to choose your Bilt card on Amazon as a cost methodology and redeem your factors to cowl all or a portion of your buy at checkout. Nonetheless, Bilt factors are price 0.7 cents every when used this fashion.

For instance, you may want roughly 14,300 Bilt factors to cowl a $100 Amazon buy. Examine that to TPG’s valuation of two.2 cents per Bilt level, and it isn’t essentially one of the best deal if you wish to maximize your factors.

Redeem for Lyft rides

Whereas Bilt Rewards members can use their points for Lyft rides, the usual redemption charge is about 0.7 cents per level, so this is not a beneficial redemption choice.

Store the House Design Assortment

The Bilt House Design Assortment is a curated checklist of things, together with artwork, house decor and attire.

The worth per level will fluctuate, but it surely not often exceeds greater than 1 cent per level.

Redeem your factors for health courses

Fitness enthusiasts can redeem their Bilt factors to attend name-brand courses like these accessible via Pure Barre, SoulCycle and Y7. The worth will depend upon the category you choose, but it surely hovers round 1 cent per level.

Redeem your factors for housing funds

A doubtlessly engaging choice along with your factors is to save lots of them to assist cowl your subsequent lease cost. Nonetheless, the redemption worth is simply 0.55 cents per level, so this isn’t the best-value selection.

Associated: 10 ways college students can meet credit card minimum spending requirements

What’s Bilt Money?

Bilt Money is a completely separate rewards foreign money from Bilt factors and can be utilized for sure purchases and upgrades inside the Bilt ecosystem.

The way to earn Bilt Money

In the event you select the Versatile Bilt Money housing rewards choice, you may earn 4% Bilt Money on all on a regular basis purchases made with the Bilt Blue, Bilt Obsidian or Bilt Palladium.

Bilt Money can also be included in all three of the Bilt playing cards’ welcome gives:

• Bilt Blue: Earn $100 in Bilt Money while you apply and are accredited.
• Bilt Obsidian: Earn $200 in Bilt Money while you apply and are accredited.
• Bilt Palladium: Earn 50,000 bonus factors and Bilt Gold standing (via the remainder of the calendar 12 months by which it was earned and the next calendar 12 months) after spending $4,000 on non-housing purchases within the first three months from account opening. Moreover, cardholders obtain $300 in Bilt Money upon approval and $200 in further annual Bilt Money.

The Bilt Palladium offers $200 in Bilt Money every calendar 12 months as a operating card profit. As much as $100 of Bilt Money earned rolls over to the subsequent 12 months.

No matter whether or not or not you’ve got a Bilt card, you may earn $50 in Bilt Money for each 25,000 Bilt factors earned towards elite standing.

Associated: What is Bilt Cash? How to earn and redeem this new reward currency

Redeem Bilt Money for greater on a regular basis spending incomes charges on Obsidian and Palladium

You probably have the Bilt Obsidian or Bilt Palladium, you’ll be able to redeem $200 in Bilt Money to obtain some extent accelerator on on a regular basis spending.

You will earn 1 further level per greenback spent on all on a regular basis purchases for the subsequent $5,000 in spending after you activate. This can be utilized for as much as 5 activations per 12 months, and expires after $5,000 in spending or on the finish of the 12 months.

This successfully boosts the Bilt Palladium to a card that earns 3 factors per greenback on on a regular basis spending. It additionally means the Bilt Obsidian earns 4 factors per greenback spent on both eating or grocery (on as much as $25,000 per 12 months), 3 factors per greenback spent on journey, and a pair of factors per greenback spent on on a regular basis purchases.

It is a unbelievable use of Bilt Money when you’ve got both of these playing cards, and you’ll apply the purpose accelerator as quickly as you get the cardboard, since each playing cards present not less than $200 in Bilt Money while you’re accredited.

Redeem Bilt Money for elevated switch bonuses

It’s also possible to redeem Bilt Money to unlock one greater standing tier on Lease Day switch bonuses.

It is a stable choice if an particularly profitable switch bonus comes throughout your radar, and you are not a top-tier Bilt standing holder. For example, for those who’re a Gold member, you’ll be able to unlock a Platinum-level bonus by redeeming Bilt Money.

Bilt offered an instance value of $75 to unlock the next standing tier for switch bonuses, however labeled that that is topic to alter.

Different Bilt Money redemption choices

There are an enormous variety of different redemption choices on your Bilt Money, together with health credit, lodge stays booked via the Bilt Journey portal, Lyft credit, Blade helicopter rides and extra.

To be taught extra, learn our full article on how to redeem Bilt Cash.

Incessantly requested questions

Do the Bilt playing cards cost a price to pay lease or mortgage?

No, you’ll not pay a transaction price while you use the Bilt Blue, Bilt Obsidian or Bilt Palladium to make lease or mortgage funds.

Nonetheless, you’ll have to put some nonhousing spending in your card to obtain factors for these purchases, as outlined within the part on “Incomes Bilt factors on lease and mortgage funds.”

Can you employ Bilt with out a Bilt bank card?

Sure. You shouldn’t have to carry a Bilt card to enroll in Bilt Rewards and earn Bilt factors in this system.

Does my landlord/administration firm must have a partnership with Bilt?

No, you should utilize Bilt to pay lease even when your landlord doesn’t accomplice with this system.

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Backside line

There’s rather a lot occurring with Bilt Rewards, which is usually a good factor for those who’re able to go all-in on this system — however may be a detractor for vacationers on the lookout for one thing simpler.

There’s numerous worth to be discovered within the Bilt program, particularly since you do not have to have a Bilt card or use Bilt on your housing bills to earn factors. The one factor it’s a must to do to earn Bilt factors with companions is open a free account and hyperlink eligible playing cards.

After all, if you wish to maximize your Bilt Rewards expertise and incomes and redemption choices, including a Bilt card, selecting one of the best housing rewards incomes construction and dealing towards elite standing is the perfect choice.

With such helpful rewards on the desk, Bilt Rewards is price a search for many vacationers.

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