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. Via the years, Bilt has undergone a bevy of updates and adjustments — maybe none fairly as splashy and newsworthy because the rollout of three all-new Bilt 2.0 cards in January 2026.

However there’s far more to Bilt than housing rewards and bank cards. And you do not have to make housing funds by means of Bilt or have a Bilt bank card to earn beneficial Bilt Factors by means of the loyalty program.

These factors may be redeemed for journey by means of loyalty companions, put towards lease or future down funds on a home, purchasing on Amazon, and extra.

TPG’s February 2026 valuations deem Bilt factors to be probably the most beneficial foreign money available on the market, 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 earn and redeem factors for max worth.

What’s Bilt Rewards?

Bilt Rewards is a loyalty program that allows you to earn factors to redeem towards journey, a down fee 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 (without spending a dime), linking a qualifying card to your Bilt Rewards account and transacting with Bilt companions.

Maybe most notably, you possibly can 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, home-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 among 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 possibly can earn Bilt factors. This is a deep dive on every methodology.

Incomes Bilt factors with a Bilt card

Every Bilt card offers a singular 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 give attention to what number of Bilt factors these playing cards earn on on a regular basis, nonhousing spending.

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

With the Bilt Obsidian, you will 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 all the calendar 12 months.

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

To study extra in regards to the Bilt playing cards, learn our full critiques 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 by means of Bilt with out incurring a transaction price.

Nonetheless, it’s important to monitor your spending — and do some little bit of math — to unlock your housing factors by means of Bilt.

A notice on Bilt Money: We are going to dive deeper into the ins and outs of Bilt Money, Bilt’s inner rewards foreign money, and redeem it later. For now, it is price noting that each one three Bilt playing cards earn 4% again on on a regular basis purchases within the type of Bilt Money** — so long as you choose in to earn Bilt Money if 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

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

• Versatile Bilt Money possibility: Redeem Bilt Money to unlock Bilt factors in your housing fee on the following charge: $30 in Bilt Money equals incomes 1 level per greenback spent on $1,000 of your housing fee (sustaining the flexibility to earn 4% Bilt Money on all nonhousing purchases).
• Housing-Solely (no Bilt Money possibility): Earn Bilt factors mechanically 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 fee throughout that billing cycle.

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

• Should you spend at the least 25% of your month-to-month housing fee(s) on on a regular basis purchases on the Bilt card, you will earn 0.5 factors per greenback spent in your lease or mortgage fee that month.
• Should you spend at the least 50% of your month-to-month housing fee(s) on on a regular basis purchases on the Bilt card, you will earn 0.75 factors per greenback spent in your lease or mortgage fee that month.
• Should you spend at the least 75% of your month-to-month housing fee(s) on on a regular basis purchases on the Bilt card, you will earn 1 level per greenback spent in your lease or mortgage fee that month.
• Should you spend the quantity of your month-to-month housing fee(s) or extra in on a regular basis purchases on the Bilt card, you will earn 1.25 factors per greenback spent in your lease or mortgage fee that month.

To study extra about these incomes constructions, learn our full article on earning housing rewards through Bilt.

You could possibly additionally use a bank card that is not a Bilt card to pay lease, although it will not be the best choice. Should 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. Nonetheless, you will incur a 3% transaction price with this selection.

Incomes Bilt factors by means of Bilt Eating

Bilt additionally has its personal eating rewards program known 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 if 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, when you pay with the Bilt Palladium, you possibly can 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 decide to earn 3 factors per greenback spent on eating purchases, you would probably 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 possibly can earn by means of Bilt Eating.

To study extra about incomes Bilt factors this manner, 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 by means of the portal and a couple of factors per greenback spent on lodge bookings made by means of the portal.

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

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

Incomes Bilt factors with Lyft

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

As with incomes on the Bilt Journey portal, these factors additionally stack with what you will 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 telephone 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 possibly can 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

You too can earn as much as 3 factors per greenback spent if you guide sure health courses by means of 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, sneakers, towels or smoothies, if you guide by means of Bilt.

Incomes Bilt factors with referrals

Earlier than Bilt’s 2.0 card revamp, you would earn referral bonuses for sharing hyperlinks with your folks 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 possibly can share with pals, can be coming quickly.”

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

Incomes Bilt factors by taking part in the ‘Hire Free’ sport

Bilt gives a sport 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” if you decide a top-three reply, you accurately rank that reply (double factors) and when the superstar 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 following 600 top-scoring members will get Bilt factors. Should you tie, the tie can 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 by means of spending in your Bilt card and inside the Bilt ecosystem.

When you will not earn fast-track standing on lease and mortgage funds, you possibly can earn standing by means of:

• Bilt Eating restaurant purchases made with any card linked to your Bilt Pockets
• Health courses booked by means of Bilt
• Lyft rides when Bilt is ready 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.

This is a fast overview.

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

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

Irrespective of if 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.

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

Methods to use Bilt factors: Finest-value possibility

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 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 airline and lodge companions.

Switch your Bilt factors to journey companions

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

By transferring your Bilt factors to the precise packages, you possibly can simply get 2.2 cents per level in worth (in keeping with TPG’s valuations) — and maybe far 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 customary award charts for award flights and lodge nights, which means you will pay a predictable charge and may typically get outsize worth out of your factors.

Certainly 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 finest switch bonuses we have seen throughout Hire 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 not out there).

Associated: The best airline award chart sweet spots

Methods to use Bilt factors: Medium-value choices

The next redemption choices provide first rate worth, with a redemption charge of at the least 1 cent per level.

Use your factors to avoid wasting up for a down fee on a house

Bilt gives the distinctive potential for customers to avoid wasting up their factors towards a down fee on a house.

Should 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 price $150 towards your down fee.

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.

Methods to use Bilt factors: Decrease-value choices

If you wish to extract most worth out of your Bilt Rewards factors, you will possible wish to keep away from a few of these much less beneficial 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 suggest this selection.

Use factors for Amazon purchases

You’ll be able to choose your Bilt card on Amazon as a fee 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 manner.

For instance, you will 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 the most effective 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 really useful redemption possibility.

Store the Residence Design Assortment

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

The worth per level will differ, but it surely hardly ever 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 out there by means of 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 probably attractive possibility along with your factors is to avoid wasting them to assist cowl your subsequent lease fee. Nonetheless, the redemption worth is simply 0.55 cents per level, so this isn’t the best-value selection.

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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.

Methods to earn Bilt Money

Should you select the Versatile Bilt Money housing rewards possibility, you will 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 if you apply and are accredited.
• Bilt Obsidian: Earn $200 in Bilt Money if you apply and are accredited.
• Bilt Palladium: Earn 50,000 bonus factors and Bilt Gold standing (by means of 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 working 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 will 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 possibly can redeem $200 in Bilt Money to obtain a degree accelerator on on a regular basis spending.

You may earn 1 additional 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 couple of factors per greenback spent on on a regular basis purchases.

This can be a unbelievable use of Bilt Money when you have both of these playing cards, and you’ll apply the purpose accelerator as quickly as you get the cardboard, since each playing cards present at the least $200 in Bilt Money if you’re accredited.

Redeem Bilt Money for elevated switch bonuses

You too can redeem Bilt Money to unlock one greater standing tier on Hire Day switch bonuses.

This can be a stable possibility if an particularly profitable switch bonus comes throughout your radar, and you are not a top-tier Bilt standing holder. As an illustration, when you’re a Gold member, you possibly can unlock a Platinum-level bonus by redeeming Bilt Money.

Bilt supplied an instance price of $75 to unlock a better standing tier for switch bonuses, however labeled that that is topic to vary.

Different Bilt Money redemption choices

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

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

Continuously requested questions

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

No, you’ll not pay a transaction price if 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 should not have to carry a Bilt card to enroll in Bilt Rewards and earn Bilt factors in this system.

Does my landlord/administration firm should 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 loads occurring with Bilt Rewards, which could be a good factor when you’re able to go all-in on this system — however is also a detractor for vacationers in search of one thing simpler.

There’s a whole lot of worth to be discovered within the Bilt program, particularly since you do not have to have a Bilt card or use Bilt to your housing bills to earn factors. The one factor it’s important 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 the most effective housing rewards incomes construction and dealing towards elite standing is the perfect possibility.

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

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