Bilt is a program in which you can earn points by paying your rent, dining out, shopping, and/or using the Bilt Mastercard. You can then use those points in a variety of ways, including transferring them to one of Bilt’s industry-leading portfolio of travel partners.
Bilt: a points program built for renters, expanding to full Neighborhood Rewards
Bilt is a program originally designed to enable those who rent their homes to earn points on the rent. This makes the program and associated card unique in offering an easy way to earn points on what is the largest monthly expenditure for those living in many markets.
Over the past couple of years, Bilt has continued to expand through partnerships with neighborhood restaurants, fitness centers, Walgreens, and more businesses to create the opportunity to earn rewards on many types of neighborhood purchases.
There are several ways to earn and redeem Bilt points, each covered below.
Bilt Elite Status
Bilt has an elite status program that offers the chance to earn interest on rewards points, among other benefits. One of the biggest perks to elite status is having access to better offers on Bilt’s monthly Rent Day promotion, where transfer bonuses and various other opportunities will be more generous depending on your elite status level.
Here’s the current summary of Bilt elite levels:
You can qualify for elite status by total points earned or through the “Fast Track” via non-rent spend in several different channels, including:
- Bilt Mastercard (excluding rent)
- Neighborhood Fitness classes booked through Bilt
- Bilt Dining at restaurants with any card linked to your Bilt account
- Spend at Walgreens with any card linked to your Bilt account
- Booking trips through the Bilt Travel Portal
- Linking your Lyft account and using it for rideshare
Elite status thresholds are as follows:
- Blue – anyone enrolled in Bilt Rewards with under 50,000 points
- Silver – 50,000 points earned or $10K in qualifying non-rent spend
- Gold – 125,000 points earned or $25K in qualifying non-rent spend
- Platinum – 200,000 points earned or $50K in qualifying non-rent spend
Benefits as you move up status tiers include:
- Silver and higher
- Earn interest in the form of points to a member’s Bilt Rewards account every month based on the average daily points balance for each 30-day period (rate is based on the FDIC published national savings rate)
- Bilt will deposit up to 50% bonus points on top of points issued by landlords to
members for signing for new tenant leases and lease renewal, depending on
member status. - Match to Virgin Voyages Blue Extras status.
- 10% discount on Blade flights booked through the Bilt app
- Minimum transfer of 1,000 points when transferring to partners (Note: Blue members have a minimum transfer of 2,000 points)
- Gold and higher
- All Silver benefits, plus:
- Access to Home Away from Home Benefits
- Bilt Homeownership Concierge: Members who redeem Bilt Points toward a home down payment can get help from a dedicated concierge who will walk the member through the home buying process.
- Access to BLADE lounges (even when not flying BLADE, although you’re limited to two beverages in that case).
- Match to Virgin Voyages Blue Extras status.
- Priority access to Rent Day experiences (for example, an earlier booking window for Neighborhood Comedy / Bilt Dining experiences)
- Platinum
- All Silver & Gold benefits, plus:
- Members will receive a complimentary gift from the Bilt Collection (apparently some type of home decor / art).
- One free BLADE helicopter ride each time you qualify (or re-qualify) for status.
- Air France/KLM Flying Blue Gold Status: Platinum members can receive 12 months of Flying Blue Gold status by registering and transferring 10,000 points to Flying Blue. This also get you Sky Team Elite Plus, which can be beneficial for partner lounge access.
- Match to Virgin Voyages Deep Blue Extras status.
Bilt Milestone Rewards
Note: Beginning on January 1, 2026, current Milestone Rewards will be replaced by Bilt Cash. From January 1, 2026 onward, members will earn $50 in Bilt Cash for every 25,000 points accumulated. That Bilt Cash will be redeemable across the Bilt ecosystem, such as for home delivery, at Bilt Dining-affiliated restaurants, with local merchants, and more.
The following applies to Milestone Rewards for the remainder of 2025 only:
In addition to elite status, Bilt awards a series of “Milestone Rewards” after reaching various levels of points-earning within a calendar year. There’s not much to them, but they’re (barely) better than a kick in the pants:
- After earning 25,000 points, you can select one of:
- 2x at grocery stores with Bilt Mastercard for 30 days, up to 1,000 points
- 2x at gas stations with Bilt Mastercard for 30 days, up to 1,000 points
- 2x at event tickets with Bilt Mastercard for 30 days, up to 1,000 points
- 1,000 points towards the Bilt Collection
- 2x points on Bilt Dining for 7 days, up to 1,000 points
- After earning 75,000 points, you can select one of:
- any of the 25K options
- 2x on digital wallet purchases with Bilt Mastercard for 30 days, up to 1,000 points
- 10x on up to 3 Lyft rides (or $25 total in spending)
- After earning 100,000 points, you can select one of:
- any of the 75K options
- 5,000 (non-redeemable) points towards elite status
- After earning 150,000 points, you can select one of:
- any of the 100K options
- $10 towards a fitness class
- After earning 175,000 points, you can select one of:
- any of the 150K options
- 4x at grocery stores with Bilt Mastercard for 30 days, up to 3,000 points
- 4x at gas stations with Bilt Mastercard for 30 days, up to 3,000 points
- After earning 225,000 points (and every 25K increment afterwards), you can select one of of the 175K options.
How to earn Bilt points
Pay rent (non-cardholders)
Almost anybody with a credit card can now earn 1 point/mile per dollar when paying rent via Bilt. However, non-cardholders will pay a 3% fee to do it. The earnings vary slightly depending on what type of card you use:
- Rent payments made via a Visa, Mastercard, or Discover earn 1 point per $2 spent (in addition to credit card rewards)
- Rent payments made via an American Express® credit card earn 1 Bilt Point per $2 spent (in addition to credit card rewards)
- Alaska Airlines / Atmos Rewards consumer cardholders will earn 3x Alaska miles per dollar, but DO NOT earn additional Bilt points
- There is a 100K yearly maximum earning limit for Bilt points across all payment methods.
Essentially, you can look at it as though you are buying points for 3 cents per dollar when paying rent. In most normal cases, that won’t be worth it. However, it could be worthwhile when meeting a new credit card welcome offer or when using a credit card which offers rewards that outweigh the 3% fee.
Non-Bilt Mastercard cardholders are limited to paying rent via the Bilt portal or by ACH. Check payments are not an option if you don’t hold the Bilt Mastercard.
Pay Rent ( Bilt cardholders)
Even if your landlord doesn’t accept a credit card, Bilt Mastercard cardholders can pay rent via check or ACH and still earn 1x points on rent (up to 100,000 points per year). Whether you pay by check, ACH, or with your Bilt Mastercard, you’ll pay your rent through the Bilt app (or use the app to generate ACH account information that can be copied into your online rent payment portal). This makes it very easy for most people to earn 1 point per dollar on rent (up to 100,000 points per year). Keep in mind that you’ll need to make 5 total transactions per month with the Bilt Mastercard in order to earn points, so be sure to use it for more than just the rent.
In the Bilt Rewards app, cardholders have the option to send a rent payment by mailing a check or by ACH transfer using ClickPay, RentCafe, or other online payment portals.
Use the Bilt Mastercard
| Card Name w Details & Review (no offer) |
|---|
FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no annual fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month). No Annual Fee Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases Card Info: Mastercard World Elite issued by Wells Fargo. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including United, Hyatt, Atmos Rewards, Aeroplan, and more) ✦ Redeem points for 1.25 cents each towards travel booked through Bilt's travel portal ✦ Cell phone insurance ✦ Primary rental car insurance ✦ Purchase protection ($10K/item, $50K/year) ✦ Travel insurance ✦ No transaction fee to pay rent and earn rewards |
The Bilt Mastercard offers rewards in the form of Bilt Rewards points as shown above, so long as you use your card for at least 5 transactions per month. If you do not use your card for at least 5 transactions per month, you will not earn points based on your card activity.
Note that even though the Bilt Mastercard doesn’t officially have a welcome bonus, many people who sign up for the card report receiving an email from Bilt offering 5x rewards on all charges except for rent for five days (up to 50,000 points max). While that’s not as big of a bonus as you’ll get with many other cards, it can still be significant, especially if you have large bills to pay during that timeframe.
The Bilt Mastercard offers two bonus categories: 2x travel and 3x dining. While those multipliers do not put it at the top of our list of best category bonuses, they do represent good return for a no-annual-fee card that earns transferable points, especially given Bilt’s strong set of transfer partners and the ability to book travel at a value of 1.25c per point through Bilt’s portal.
Where the card really shines is in offering 1x on rent payments, even if your landlord does not accept a credit card. That’s because cardholders gain the ability to pay any landlord by sending a check or by ACH transfer as outlined above.
Earning 1 point per dollar on most purchases is not a good return on spend. That said, if you would not otherwise earn points for paying your rent, the overall math may work out well for those looking for a single long-term card. You could earn far more points by focusing your spending toward excellent credit card welcome bonuses, but the Bilt Mastercard can be a reasonable choice for someone who rents and is looking for a single no-annual-fee credit card.
Bilt occasionally runs some spending promotions for the Mastercard, so it’s worth keeping an eye out for similar promotions.
Note that Bilt will change issuers in 2026, add premium credit cards
It is worth mentioning that Bilt will be changing credit card issuers in February 2026 and adding new premium credit cards. See: Bilt to ditch Wells Fargo for Cardless while adding two premium cards
Bilt “Rent Day”
For a 24-hour period on the 1st of each calendar month, Bilt offers a promotion called “Rent Day” where members with the Bilt Mastercard earn double points on all non-rent purchases up to 1,000 bonus points. Not only does this make the base earning rate 2x, it also doubles existing bonus categories, meaning that cardholders earn 6x dining and 4x travel. (but for one day only and only up to 1,000 bonus points). That makes the first of the month a good day to buy a gift card at your favorite restaurant or to book pending travel.
Unfortunately, your earnings potential on Rent Day isn’t infinite: you can earn up to 1,000 maximum bonus points on rent day, a fairly modest ceiling given that it would take only $333.34 n dining purchases, $500 in travel or $1000 everywhere else to reach the 1K bonus point cap.
It’s also worth pointing out that, despite the name, you only earn 1x when paying rent on “Rent Day.” The double rewards are for non-rent purchases only. In that regard, remember that you need to make 5 purchases per month in order to earn 1x on the rent. This double rewards deal on the first of the month should make it increasingly easy for cardholders to meet that threshold.
Bilt runs several promotions on Rent Day, in addition to the increased earnings on spend via the Bilt card. So far, offers that we’ve seen have included increased transfer bonuses, a monthly rent giveaway, free SoulCycle classes, and a monthly “Rent Free” game where 10 players earn a free month of rent and others can earn bonus points.
Referring friends to the Bilt Mastercard
Bilt offers a referral program for the Mastercard, but the normal rates aren’t stellar. For each person you successfully refer, you get 2,500 points. Every 5th successful referral gets you an additional 10,000 points – up to 2 million bonus points.
Note that you do not need to be a cardholder in order to refer friends to the Bilt MasterCard. If you have friends who rent, this could be a way to earn some easy points. You can find your referral code by tapping the invite button in the app.
Bilt now limits you to a maximum of 50 lifetime referrals.
Link your Bilt account to Amazon (caution)
Bilt Rewards points can be used to buy things on Amazon. Don’t do it. It offers terrible value for your points. That said, you can earn 250 Bilt points by simply linking your Bilt account to your Amazon account. Still, we recommend proceeding with caution. we’re always hesitant to link rewards programs to Amazon for the fear of a Player 2 accidentally using points — or, worse yet, having an Amazon account hacked and a thief draining rewards points. The risk/reward calculation just isn’t worth keeping rewards programs linked long-term in most instances in our opinion.
Take Lyft rides (after linking your accounts)
Use any form of payment and earn 2X points on Lyft rideshare rides when your Bilt Rewards and Lyft accounts are linked, and Bilt is set as the active loyalty rewards partner. If you are a Bilt cardholder, you can earn 5X total points when paying with a Bilt Mastercard.
- Link to connect Bilt and Lyft accounts (Note: Frequent Miler may earn a commission if you link your Lyft account to Bilt through this hyperlink).
Earn points on mortgage (coming in 2026)
Starting in 2026, Bilt will begin partnering with mortgage lender UWM to allow Bilt members to earn points on their mortgage payments. Few details have been revealed, but it appears that only UWM mortgages will be eligible.
Earn points when paying through Venmo?
Bilt recently announced a partnership coming in 2026 with Venmo that is expected to expand the ability to earn rewards with neighborhood merchants and make it possible to split things like rent payments with other household members through the incorporation of Venmo. Details are thin as to how this partnership will work in practice and how it will yield rewards, but we expect to learn more in 2026.
Bilt Neighborhood Rewards (card-linked offers)
Adding cards to your Bilt “wallet”
In order to earn Bilt points on card-linked offers, you must have the credit card that you’re using to pay with connected to your Bilt wallet. You can link credit cards (i.e. those from other issuers) to the Bilt Rewards app and then earn 100 points for each card you link to, up to three cards. After linking, you can earn extra points when using those cards to pay at restaurants or other merchants that participate in Bilt Neighborhood Rewards (such as Walgreens).
Link to manage your Bilt Wallet: frequentmiler.com/go/biltwallet/ (note that Frequent Miler may earn a commission if you add cards to your wallet through our link)
Dining
You can earn Bilt points when paying with any card you have linked in the Bilt Rewards app at participating restaurants. The exact payout changes based on promotions run by each participating restaurant.
Note that the points you earn at these restaurants are in addition to the points earned using your chosen credit card (which does not have to be the Bilt card, but rather must be linked in the Bilt app).
In addition to earning points, some restaurants will send targeted offers to specific area customers via the Bilt app. These offers can, at times, provide significant savings.
Fitness Classes
You can earn Bilt points for every dollar spent on taking classes at a Neighborhood Fitness gym when booked via the Bilt app. Neighborhood Fitness partners include CycleBar, Pure Barre, Soul Cycle, YogaSix, and many others. In order to earn points, classes must be booked through the Bilt app or website.
Walgreens
Bilt Rewards members can earn points when shopping at Walgreens, and it’s not even necessary to use the Bilt Mastercard. As long as you shop with a card that’s saved to your Bilt Wallet, you’ll earn points in addition to credit card rewards (like 3x Ultimate Rewards on the Chase Freedom Unlimited card).
Bilt also offers a service to identify purchases that are eligible for reimbursement by a Flexible Spending Account (FSA) or Health Savings Account (HSA). After flagging eligible items, it will then help by transferring funds to your credit card from a linked FSA/HSA payment card.
Earnings are as follows:
- 1x on in-store and online Walgreens purchases
- 2x on Walgreens-branded items
- 100 points on up to 26 prescription refills per year
In order to earn rewards, you must save a credit card to your Bilt Wallet and then use that card at Walgreens. In order to earn the 100 points prescription bonus, you’ll have “enable rewards” in the Bilt app by going to the “Neighborhood” section of the app and selecting “Pharmacy” from the top menu option.
It is worth noting that it is possible to link an HSA/FSA account, and the Bilt app can help facilitate reimbursement from your linked account.
Bilt Home Delivery
“Bilt Home Delivery” was launched in partnership with GoPuff. This allows Bilt members to both earn and redeem points on the delivery of various and sundry items from GoPuff’s catalog when placing those orders through the Bilt app. Members earn 1 Bilt point per dollar spent when ordering through the Bilt app and paying with a card linked to their Bilt profile.
Bilt Neighborhood Parking
“Bilt Neighborhood Parking” was launched in partnership with Metropolis in late 2025. Bilt Members will earn 1 point per dollar at Metropolis parking locations, and be able to search for (and eventually reserve) parking in the Bilt app. Metropolis locations equipped with “Metropolis Vision” will automatically recognize your vehicle when it arrives and then charge you through the Bilt app when your vehicle leaves, creating a seamless experience.
How to use Bilt Rewards points
Transfer Bilt Rewards points to airline and hotel partners
Bilt has a very unique set of transfer partners that makes the program surprisingly strong. Outside of Accor Live Limitless, points transfer 1:1 to partners, with most transfers occurring almost instantly. Partner programs can provide opportunities for far outsized value.
Partners include:
Bilt Transfer Partners
Hotels
| Rewards Program | Best Uses | Bilt Transfer Ratio (and transfer time) |
|---|---|---|
| Accor Live Limitless | Use to pay hotel bill with value of 2 Euro cents per point. In some cases (such as hotel to airline transfer bonuses) it may make sense to convert Accor points to the following airline miles at a 1 to 1 ratio: Finnair, Iberia, Qantas, or Virgin Australia | 3 to 2 (Unknown) |
| Hilton | 5th Night Free awards. Best value is usually found with very low end or very high end Hilton hotels. Bonus: award nights are not subject to resort fees. Note that Hilton points often go on sale for half a cent each and so its rare for point transfers to Hilton to be a good value. | 1 to 1 (Unknown) |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth more than 2 cents each. Bonus: award nights are not subject to resort fees. | 1 to 1 (Instant) |
| IHG | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. | 1 to 1 (Instant) |
| Marriott Bonvoy | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. | 20K to 25K (Instant) |
Airlines
| Rewards Program | Best Uses | Bilt Transfer Ratio (and transfer time) |
|---|---|---|
| Aer Lingus Avios | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. | 1 to 1 (Instant) |
| Air Canada Aeroplan | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. | 1 to 1 (Instant) |
| Air France KLM Flying Blue | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. | 1 to 1 (Instant) |
| Alaska Atmos Rewards | Alaska Airlines offers decent oneworld award pricing, excellent short-distant pricing, and uniquely allows free stop-overs one one-way awards. Additionally, Alaska allows free award changes and cancelations (although they do have a small non-refundable partner award booking fee) | 1 to 1 (Instant) |
| Avianca LifeMiles | Avianca LifeMiles can be decent for Star Alliance awards. They offer reasonable-ish prices and no fuel surcharges on awards. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details. | 1 to 1 (Instant) |
| British Airways Avios | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. | 1 to 1 (Instant) |
| Cathay Pacific Asia Miles | Cathay Pacific has a decent distance based award chart, but they don't allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details. | 1 to 1 (Instant) |
| Emirates Skywards | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. | 1 to 1 (Instant) |
| Etihad Guest | Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights. | 1 to 1 (Unknown) |
| Finnair Plus+ | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. | 1 to 1 via BA (Instant) |
| Iberia Avios | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. | 1 to 1 (Instant) |
| JAL (Japan Airlines) Mileage Bank | JAL has a distance based partner award chart. Depending upon the length of the flights, this can lead to great award prices on partners such as Emirates and Korean Air. | 1 to 1 (Instant) |
| Qatar Privilege Club Avios | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. | 1 to 1 (Instant) |
| Southwest Rapid Rewards | Award flights are fully refundable. Point values vary. Lower demand flights and those with higher taxes tend to offer better value. | 1 to 1 (~12 hours) |
| TAP Air Portugal | Surcharge-free Emirates redemptions. Increased availability on TAP flights between US and Europe. | 1 to 1 (Unknown) |
| Turkish Airlines Miles & Smiles | Miles & Smiles offers a number of awesome sweet-spot awards including 7.5K one-way anywhere within the US, even to Hawaii. Many awards cannot be booked online but can be booked via phone or email. See: Turkish Miles & Smiles Complete Guide and Turkish business class sweet spots from the US. | 1 to 1 (Instant) |
| United MileagePlus | United offers free award changes and free cancelations. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. | 1 to 1 (Instant) |
| Virgin Atlantic Flying Club | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). | 1 to 1 (Instant) |
Current Transfer Bonuses
If Bilt Rewards is running any transfer bonuses, details will appear here:
| Transfer Bonus Details | Start Date | End Date |
|---|
Point.me access for partner flight searches
Bilt Rewards includes a free integration to search for award space with their transfer partners through Point.me, a search engine that allows you to search multiple sites for award availability across numerous programs with a single click.
Bilt Rewards members have access to the Point.me engine to search for available awards (no Point.me subscription required). This makes award programs much more accessible for the average consumer. Note that searches are limited to Bilt’s transfer partners only, and searches are very, very slow.
Use points to pay for travel at 1.25c per point
Bilt offers the ability to use points at a value of 1.25 cents per point when booking travel through their new travel portal. The portal is baked into the Bilt app (simply select the “Travel” tab) or members can browse to: travel.biltrewards.com.
Like many other travel portals, Bilt’s portal is powered by Expedia, though some hotels are now booked via NDC, and it is thus possible to earn hotel points and elite credit/benefits with some hotels. When it is possible to earn hotel points and elite credit, you will see a field to enter your loyalty program number in the booking flow.
There are opportunities to get far greater value when transferring to partners, but paying for travel at 1.25c per point can be a good way to get decent value for points when booking hotels or certain experiences (like tickets for Disney World).
Use points for Bilt Home Away from Home
In 2025, Bilt launched its Home Away From Home luxury booking platform. Bilt members with Gold or Platinum status get access to this Platform, which works on the Virtuoso network through the Bilt platform.
Booking through Home Away from Home provides the opportunity to get benefits like complimentary breakfast and a hotel credit, though exact offerings will vary. At launch, Bilt indicated an interest in tweaking these offerings over time to take advantage of its unique neighborhood network benefits.
When redeeming points for Home Away from Home bookings, members get the same 1.25c per point available on other travel bookings.
Use points for home purchases
Bilt Rewards members can use points toward their down payment at a value of 1.5c per point when redeemed towards a down payment on a home purchase in the US, but only one redemption per home purchase.
There is a form you fill out that requires proof of purchase of a home, so it’s best to redeem points after you have a sales contract to purchase, but before closing.
Use points for student loan repayments
You can redeem Bilt Rewards points towards student loan repayments serviced by the following providers at a rate of 1 cent per point:
-
- Sallie Mae
- MOHELA
- Nelnet
- Navient
- Aidvantage
Use points for rent
Bilt allows you to redeem points for rent. The value here is very poor, as you will get less than 1c per point. If you intend to use credit card rewards to pay for rent, you would likely be better off with a credit card that earns 2% cash back everywhere and using that cash back toward your rent.
Use points for fitness classes
Bilt has partnerships with several popular exercise class brands, so you can redeem your points for popular classes like Soul Cycle, Rumble boxing, Solidcore, and Y7. These redemptions generally don’t provide maximum value.
Use points for art, home décor, and more
Bilt offers the Bilt Collection, a curated selection of limited-edition art and home décor. Redemptions start at 5,000 points. Whether or not these redemptions make sense is a matter of personal taste, but be sure to compare what the cash price of a similar item would be.
Use points to cover Amazon purchases
You can use Bilt Rewards points at checkout to cover purchases at Amazon.com. This yields very poor value for points at 0.7c per point and should be avoided.
Use points to cover gift card purchases
You can also use Bilt Rewards points to buy gift cards through Bilt’s portal. Like Amazon, the value is terrible at ~0.7c per point.
Use points for Lyft rides
This also falls under the category of “Don’t do it” because you’ll only get 0.7c of value per point – see more here.
Use points for statement credits
You can use Bilt Rewards points to receive a statement credit towards charges on the Bilt Mastercard. This is even worse than Amazon as points are worth only 0.55c each when redeeming them this way. Don’t do it.
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“$10 towards a fitness class” wow!!
Anyone still know if new members get offered the 5x for 5 days? Haven’t seen any datapoints recently. It’s on my shortlist of cards to apply for, but would really like to try and at least get a small bonus with some spending I have coming up, which I could tie to that. Thanks!
“Alaska Airlines / Atmos Rewards consumer cardholders will earn 3x Alaska miles per dollar, but DO NOT earn additional Bilt points”
I paid rent last month via Bilt for the first time with my new Summit card and earned both Alaska and Bilt points. I chatted with a Bilt rep when I noticed no Bilt points earned on the payment and this is what I was told: “the earning rate for rent payments made with your personal card is 1 Bilt point per $2″ The rep then promptly added the points to my account.
How does a restaurant participate in neighborhood dining?
I’m renting for the first time in years (paid my partner directly before towards mortgage). I never paid attention to how Bilt is setup. There is no portal, I can either mail a check to my landlord or they send me an invoice via quickbooks that is only payable with checking or savings account.
Is there a good article on how to set up Bilt for this or will it even work for me?
Looks good but worthless since the hotel website is broken and you can’t talk to a live person to make a reservation. Tried it several days in a row and with different web browsers. Still not luck.
Small correction – post states that 5 non-rent transactions are required per month, but the rent transaction actually counts as 1 out of the 5 required. Therefore, only 4 non-rent transactions are required monthly.
Sorry, can you tell me where you see it specified as 5 “non-rent?” I can’t find it. The only place where I found “non-rent” was in reference to double-points on Rent Day.
I must be blind.
Just FYI, according to this comment by Richard Kerr, Bilt no longer uses Expedia for their travel portal. It appears to be an in-house effort now.
https://www.reddit.com/r/biltrewards/comments/1jlk7hu/comment/mk6q33l/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button
They did build their own portal, but all of the inventory still comes from Expedia (although that’s supposed to change at some point).
I’m reflecting on Greg’s personal answer to the recent FM question of CSR vs. CSP. To me, the Bilt card seems close enough to the CSP (earn rate plus transfer partners but no annual fee). If a person’s answer to the question is the CSP, some might find Bilt to be the better choice.
Is there a reason for a small landlord to sign up with them? I collect rent from two units without any fees or hassle now (apartments.com). Would I pay a fee if I started using Bilt? Is there a compelling reason to use Bilt as a small landlord, like the ability to earn points?
Contact Bilt and ask.
I asked Bilt about this and they effectively said, not really. It’s not set up for small landlords.
Linking cards to the wallet and linking loyalty partners no longer earns points I believe.
Just tried today.
Zero points awarded. 🙁
Question for Bilt Experts:
I have barely been remembering to make the 5 monthly transactions for Bilt (because Amex Gold has 4x on restaurants, and I can’t eat so much on the 1st of each month).
So this month I won’t have a Bilt rent payment (because the August check was not cashed, I sent them a second payment, and then both got cashed, so I’m skipping Sept). Will I lose any points if I have no card charges in September or do I still need to have 5 transactions?
Has anyone used the 2x multiplier on Rent day for bigger, clearly non-rent expenses like property taxes, 529 account, insurance bills (up to 10k)? Or on a second HOA bill? Can’t really see the fine print T&C until you get the card…
I do this every month via an $800 auto pay to my local Catholic church. It works!
any way to pay mortgage using this?
Does anyone know if you can transfer points to the authorized users frequent flyer account? For example if I wanted to transfer points to the AU AA account instead of the primary.
I don’t think that Bilt allows that.