When you’re all in on Bilt Rewards, you will need to pay attention to the Bilt Eating program.
Bilt Eating works like many different dining rewards programs, providing Bilt Factors to members after they use an enrolled card to pay at collaborating eating places.
Bilt Eating has quickly expanded to greater than 20,000 eating places throughout the U.S. since its launch in April 2023 and now contains unique experiences on choose dates every year. Plus, it is simpler to earn factors with Bilt Eating than chances are you’ll understand.
Let’s get into the small print of Bilt Eating and stroll you thru the best way to maximize your earnings.
Earn factors by means of Bilt Eating
Bilt members can earn an additional 1 to three Bilt factors per greenback spent at Bilt Eating eating places after they use an eligible card linked to their Bilt Pockets.
You need not have a Bilt cobranded card to earn with Bilt Eating. So long as you hyperlink an eligible Visa, Mastercard or American Specific card to your Bilt Pockets and use that card at a restaurant within the Bilt Eating program, you will earn the relevant factors multiplier.
For instance, in case you dine at a Bilt Eating location that earns 3 factors per greenback and have linked your American Express® Gold Card to your Bilt Pockets, you will earn 3 Bilt factors per greenback spent along with the 4 American Express Membership Rewards factors per greenback spent on that buy (on as much as $50,000 in spending every calendar yr, then 1 level per greenback spent).
And, in case you do have a Bilt card, you possibly can stack your bonus class earnings with the Bilt Eating multiplier. This is what you possibly can anticipate with every of the three Bilt playing cards, relying on the restaurant’s multiplier:
- Bilt Blue Card (see rates and fees): Earn as much as 4 factors per greenback spent at Bilt Eating eating places: 1 level per greenback spent from the cardboard and as much as 3 factors per greenback spent from Bilt Eating.
- Bilt Obsidian Card (see rates and fees): Earn as much as 6 factors per greenback spent at Bilt Eating eating places (if you choose eating as your Obsidian bonus class): 3 factors per greenback spent from the cardboard and as much as 3 factors per greenback spent from Bilt Eating.
- Bilt Palladium Card (see rates and fees): Earn as much as 5 factors per greenback spent at Bilt Eating eating places: 2 factors per greenback spent from the cardboard and as much as 3 factors per greenback spent from Bilt Eating.
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Observe that you just will not earn bonus Bilt Cash by means of Bilt Eating. (As much as $100 of Bilt Money earned rolls over to the following yr.)
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The best way to search Bilt Eating eating places
To see eligible Bilt Eating eating places, try the “Neighborhood” tab of the Bilt app or web site, then navigate over to the “Eating” part.
I’ve the Bilt Palladium and reside in midsize Greenville, South Carolina, however I nonetheless have a number of eating places to select from. Many of the selections in my space would earn 5 Bilt factors per greenback spent if I paid with my Bilt Palladium, combining the two factors I earn with the cardboard with 3 factors from Bilt Eating.
You may select from Bilt’s high picks or filter by location, ranking, delicacies and worth vary.
You may earn a vast variety of factors by means of Bilt Eating. Nevertheless, it might take as much as seven days after eating for bonus earnings to submit to your Bilt Rewards account.
You additionally will not earn Bilt Eating bonus factors if the transaction is made by means of a third-party market or an internet ordering platform.
The best way to use Bilt Pockets
When you have a Bilt card, it’ll routinely present within the “Pockets” tab of the Bilt app or web site. Nevertheless, members are usually not restricted to Bilt playing cards of their wallets. You may as well hyperlink different cost strategies to their Bilt Rewards account by means of this tab.
I’ve linked most of my playing cards to my Bilt Pockets and have sometimes seen Bilt factors submit once I did not even understand I used to be consuming at a Bilt Eating restaurant.
That is how my Chase Sapphire Preferred® Card (see rates and fees) seems in my Bilt Pockets.
When you share a card with others, you possibly can add the cardboard to a number of members’ Bilt Wallets. Nevertheless, solely the latest card added will obtain factors on Bilt Eating.
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Bilt Eating unique reservations
Bilt sometimes contains Bilt Eating in its month-to-month Rent Day promotions.
As an example, as a part of February 2026’s Hire Day, Bilt provided Neighborhood Eating experiences at 42 eating places in eight cities on Feb. 1. Bilt can also be internet hosting two particular launch occasions at Skewr in New York and Electrical Jane in Nashville on different dates in February.
In years previous, Bilt has provided a Hire Day promotion on unique Valentine’s Day dinner reservations at choose eating places in Boston, Los Angeles, Miami, New York, San Francisco and Washington, D.C. Members may pay for his or her reservations with Bilt factors or a card linked to their Bilt Pockets.
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Backside line
Bilt Eating has expanded since its preliminary rollout, now providing stable points-earning alternatives at greater than 20,000 eating places throughout the U.S.
Even when you do not have a Bilt card, it is free to start out a Bilt Rewards account and hyperlink your playing cards to your Bilt Pockets.
With the excessive worth of Bilt factors at 2.2 cents every, per TPG’s February 2026 valuations, it could make sense for a lot of sorts of spenders to get began on this program — particularly in case you reside in or ceaselessly go to a big metropolis with a number of Bilt Eating eating places.
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