Bilt Obsidian Card

You can currently only hold one Bilt card at a time, with product changes not being an option until a year later.

If you’re declined for a card, a Bilt rep stated that the reconsideration line at Cardless is +1 (888) 533-5576. However, there are numerous data points of people calling that number and being advised by Cardless that reconsideration for their application isn’t an option and that they’ll have to reapply in 45 days.

Use the Bilt credit cards

Card Details and Application Link

Bilt Blue Card ⓘ $50 1st Yr Value Estimate$100 Bilt Cash valued at $50 Click to learn about first year value estimates $100 Bilt Cash $100 Bilt Cash when you apply & are approved No Annual Fee Click to view curated credit card offers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 1X points + 4% Bilt Cash on everyday purchases if you choose Bilt Cash rather than housing-only rewards ✦ 0.5X-1.25X points on rent & mortgage payments (if Housing-Only Earnings selected) ✦ 1X points on rent & mortgage payments when redeeming Bilt Cash (if Bilt Cash earning option selected) Base: 1X (1.55%) Card Info: Mastercard World Elite issued by Column NA. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline and hotel partners ✦ Earn points on rent or mortgage payments

Card Details and Application Link

Bilt Obsidian Card ⓘ $30 1st Yr Value Estimate$200 Bilt Cash valued at $100, $100 Bilt Travel hotel credit ($50 per six months) valued at $25 Click to learn about first year value estimates $200 Bilt Cash $200 Bilt Cash when you apply & are approved $95 Annual Fee Click to view curated credit card offers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 4% Bilt Cash on everyday purchases if you choose Bilt Cash rather than housing-only rewards + 3X points on dining or grocery (Limit $25K per year for grocery) ✦ 2X points on travel ✦ 1X points on everyday purchases ✦ 0.5X-1.25X points on rent & mortgage payments (if Housing-Only Earnings selected) ✦ 1X points on rent & mortgage payments when redeeming Bilt Cash (if Bilt Cash earning option selected) Base: 1X (1.55%) Travel: 2X (3.1%) Flights: 2X (3.1%) Hotels: 2X (3.1%) Grocery: 3X (4.65%) Dine: 3X (4.65%) Card Info: Mastercard World Elite issued by Column NA. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline and hotel partners ✦ 2x $50 Bilt Travel portal hotel credit every six months (minimum two night stay) ✦ Earn points on rent or mortgage payments

Card Details and Application Link

Bilt Palladium Card ⓘ $630 1st Yr Value Estimate$300 Bilt Cash valued at $150, $200 Bilt Cash valued at $100, $400 Bilt Travel hotel credit ($200 per six months) valued at $100 Click to learn about first year value estimates 50K points + $300 Bilt Cash 50K Bilt points + Gold elite status after $4K non-housing spend in the first 3 months, plus $300 Bilt Cash when you apply & are approved $495 Annual Fee Click to view curated credit card offers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X points + 4% Bilt Cash on everyday purchases if you choose Bilt Cash rather than housing-only rewards ✦ 0.5X-1.25X points on rent & mortgage payments (if Housing-Only Earnings selected) ✦ 1X points on rent & mortgage payments when redeeming Bilt Cash (if Bilt Cash earning option selected) Base: 2X (3.1%) Card Info: Mastercard World Legend issued by Column NA. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline and hotel partners ✦ $200 Bilt Cash annually ✦ Up to $400 in Bilt Travel hotel credits ($200 per six months, two-night stay required) ✦ Earn points on rent or mortgage payments ✦ Priority Pass (lounges only)

In January 2026, Bilt announced details of its new suite of credit cards. Their old no annual fee card is gone, while the requirement that cardholders use their card five times per month in order to earn rewards has been removed. In its place are three credit cards with different annual fees and earning rates.

The no annual fee Blue card earns 1x point on everyday spend and 1x on rent and mortgage payments if choosing to also earn 4% Bilt Cash which is redeemable towards rewards on housing. Alternatively, you can earn 0.5x-1.25x on rent and mortgage payments when spending enough on the card.

The $95 annual fee Obsidian card earns 3x points on your choice of dining or groceries (Dining is selected automatically; grocery can be selected within 30 days of approval. The groceries category is capped at $25,000 spend per year), 2x points on travel, 1x on everyday spend, and 1x on rent and mortgage payments if choosing to also earn 4% Bilt Cash which is redeemable towards rewards on housing. Alternatively, you can earn 0.5x-1.25x on rent and mortgage payments when spending enough on the card.

The $495 annual fee Palladium card meanwhile earns 2x on everyday spend and 1x on rent and mortgage payments if choosing to also earn 4% Bilt Cash which is redeemable towards rewards on housing. Alternatively, you can earn 0.5x-1.25x on rent and mortgage payments when spending enough on the card.

Pay rent or mortgage

If you have a Bilt credit card, you can pay your rent or mortgage via ACH to earn Bilt points if you either have enough Bilt Cash to redeem towards that or if you have spent enough on a Housing-Only Rewards setup.

Bilt Rent Day

On the first day of every month Bilt doubles the points earned for credit card spend, with a limit of 1,000 bonus points.

Referring friends to a Bilt credit card

It’s believed that Bilt will offer some kind of referral program for cardholders to refer other people to a Bilt card. That referral program isn’t live yet.

Link your Rakuten account to Bilt

It’s now possible to earn Bilt points when shopping via the Rakuten shopping portal. When this partnership launched on November 6, 2025, all Bilt members could earn on a 1:1 basis.

After six months, only those with some kind of Bilt status will continue to have Rakuten earnings convert to Bilt on a 1:1 basis. Those without Bilt status are due to have earnings reduced to 1:0.5, which would make American Express Membership Rewards a preferential earning option for most people.

Find out more about this Rakuten/Bilt partnership here, including how to change your existing Rakuten earning preference to Bilt.

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. 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.

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

Airlines

Current Transfer Bonuses

If Bilt Rewards is running any transfer bonuses, details will appear here:

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 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.

How to earn Bilt Cash

Bilt members earn $50 of Bilt cash for every 25,000 Bilt points that they earn. In addition to that, Bilt cardholders earn 4% Bilt Cash for every dollar they spend on non-rent/mortgage expenditure.

Bilt Cash expiration policy

An important feature to be aware of with Bilt Cash is that it expires on December 31 of the year in which it’s earned, even if you only earned the Bilt Cash a matter of weeks before. Bilt will roll over $100 of Bilt Cash at the end of the year.

How to redeem Bilt Cash

Bilt allows you to redeem Bilt Cash in the following ways:

• Grubhub: Limit $10 per month. Credit expires at the end of the month in which it’s issued (i.e. redeem for this benefit on May 30 and it’ll expire on May 31).
• GoPuff Membership: Limit $5 per month, valid towards monthly or annual membership only (not orders).
• Select Bilt Dining partners: Limit 1 visit per month up to $25 via Mobile Dining Checkout.
• Dining experiences: Limit $50 per month.
• Point accelerator: Cost: $200. Earn 1x bonus point per dollar spent on an eligible Bilt credit card with a limit of $5,000 spend per activation and a limit of five activations per calendar year. Activation expires after $5,000 spend or at end of calendar year. This redemption option is only available for Obsidian and Palladium cardholders; Blue cardholders are excluded.
• Earn points on housing payments: Earn 1,000 points for every $30 Bilt Cash redeemed towards $1,000 of rent or mortgage payments. Redemptions can be made for any amount of Bilt Cash starting at $0.03 (i.e. 1 point).
• Bilt Travel portal for hotel bookings: Limit up to $50 per month for Blue and Silver members; limit up to $100 per month for Gold and Platinum members. Minimum two night stay required.
• Higher transfer bonuses: Redeem Bilt Cash to jump up one status tier for transfer bonuses on Rent Day. Redemption requirement varies depending on the transfer partner.
• Lyft: Limit $10 per month. Credit expires at the end of the month in which it’s issued (e.g. redeem for this benefit on May 30 and it’ll expire on May 31).
• Blacklane: Limit $50 per year for Blue and Silver members, $100 for Gold members, and $150 for Platinum members.
• BLADE airport flights: Limit $350 per seat and limit two seats per year.
• Home Away From Home hotel bookings: $95 for Blue and Silver members to gain access to this luxury hotel booking program (Gold and Platinum members have access by default).
• Priority Pass extra guests: Bilt Palladium cardholder Priority Pass membership includes two guests. Extra guests can be paid for by redeeming $35 per guest with a limit of $70 credits per month.
• Neighborhood parking: Limit $5 per month.
• Fitness classes: Redeemable for SoulCycle, Barry’s, & more. Limit $40 per month.
• Walgreens: Limit $10 per month, expires after 30 days.
• Bilt comedy experiences: Limit $50 per month.
• Bilt Design Collection: Limit $10 per month.