Update: Bilt has confirmed that Bilt Mastercard cardholders won’t have to make five purchases during the billing cycle covering February 1 in order to earn points on your rent this coming month. Per Bilt:
We will be waiving the 5 minimum transaction requirement for anyone who has pending points at conversion.
~
Bilt has released details of their next Rent Day promotions and there’s another good transfer bonus on the horizon, this time to Accor. In addition to that, there’ll be more people than usual who’ll win free rent for the month, plus it’s the last chance to earn double points on the Bilt Mastercard.
You’ll also have the opportunity to redeem Bilt Cash for a higher transfer bonus for the first time, but your chances of actually being able to do that are miniscule.
The Deals
- Get a transfer bonus from Bilt to Accor on the following basis depending on your status level:
- Blue – 25% (6:5)
- Silver – 50% (1:1)
- Gold – 75% (6:7)
- Platinum – 100% (3:4)
- Platinum (also redeeming $75 Bilt Cash) – 125% (3:4.5)
- Participate in Rent Free to be in with a chance to win:
- Free rent for a year (Limit $30,000, 1 winner)
- Free rent for one month (Limit $2,500, 50 winners)
- 1,000 Bilt points (100 winners)
- 100 Bilt points (500 winners)
Key Terms
- Accor transfer bonus
- Valid February 1, 2026 from 0:00am ET – 11:59pm PT.
- Rent Free
- Valid January 27, 2026 at 12pm ET – February 1, 2026 at 3pm ET.
Quick Thoughts
Accor transfer bonus
Bilt points usually transfer to Accor on a 3:2 basis. That’s why the various transfer ratios for the Rent Day transfer bonus look a bit goofy compared to what they’re like when Bilt points transfer 1:1 to other partners.
The reason for that different transfer ratio is that Accor points have a fixed value of 2 Euro cents (~2.4 cents in US dollars). That means that for every 1,000 points you transfer to Accor on Rent Day, you’ll get the following (values listed below have been converted from Euros to US dollars):
- Blue – 833.33 points (worth ~$19.82)
- Silver – 1,000 points (worth ~$23.78)
- Gold – 1,166.67 points (worth ~$27.75)
- Platinum – 1,333.33 points (worth ~$31.71)
- Platinum (also redeeming $75 Bilt Cash) – 1,500 points (worth ~$35.67)
Getting what is, in effect, a minimum of two cents per point of value from your Bilt points – even if you have no status – is a very good redemption option, especially considering we don’t yet know what kind of transfer bonuses Bilt will offer going forward once the new Bilt 2.0 cards are in play.
February 1 is also the first opportunity that Bilt members will have to redeem Bilt Cash to boost their status level to access a higher transfer bonus level. It’ll cost $75 of Bilt Cash to boost your status by one level and you’re limited to only one level increase. That means Blue members can only boost themselves to Silver, Silver to Gold, etc. Platinum members can also gain access to a higher transfer bonus of 125% by redeeming $75 Bilt Cash.
$75 of Bilt Cash can be redeemed (amongst all kinds of other things) to earn 2,500 points when paying for your rent or mortgage through Bilt. Whether it’s worth redeeming that for access to a higher Accor transfer bonus depends on a) how many points you’d be transferring to Accor and b) how you value Bilt points versus the 2 Euro cents per point of value you’d get from Accor points.
The thing is, your ability to take advantage of this status level boost will be severely hampered by your (likely) low – or non-existent – Bilt Cash balance. Bilt Cash earned as part of the welcome bonuses on the new Bilt credit cards won’t be awarded until a week into February. That means the only way you’ll have been able to earn $75 Bilt Cash will have been to earn 50,000 Bilt points or more since Bilt Cash was launched (because you receive $50 Bilt Cash for every 25,000 points you earn). Bilt has stated that a “significant portion” of Bilt members have earned $100+ Bilt Cash, although we don’t know what constitutes a significant portion.
Rent Free
Every month, Bilt runs a competition they call Rent Free where members can enter to win their rent for a month or a year. Starting today and running through to the afternoon on February 1, this latest edition of Rent Free will have an increased number of winners. It doesn’t cost anything to enter, so it might be worth participating.
Double points
Up until now, Bilt Mastercard cardholders have been able to earn double points on Rent Day, now capped at 1,000 bonus points. We don’t know yet how – or even if – something similar will be offered on the new Bilt cards going forward. No matter what, this’ll be the last chance to earn double points on Rent Day for existing Bilt Mastercard cardholders.
Other stuff
On Rent Day Bilt will also be offering various other experiences for dining, comedy, and fitness, so check the app on February 1 if those might interest you.
Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Super cool. The most complicated credit card has a transfer bonus to the most complicated hotel program.
*burp* h’yupppp.
Someone on Reddit pointed out that Platinum members can transfer to Accor at a rate that exceeds the Accor to Rakuten transfer ratio, making it a points earner.
Do we still need to buy the 5 bananas before Feb 7 in order to earn the points on February’s rent?
-Kerr
We’ve reached out to Bilt to clarify how this will work – I’ll let you know once we get a reply.
Just buy four bananas just in case. Either way, they contain plenty of natural potassium.
Will do. I figured FM might want to remind those who usually didn’t need to buy bananas to earn Bilt points that they might need to in Feb due to the timing of the “seamless” transition.
We’ve just heard back from Bilt – they’ve confirmed the five transaction minimum will be waived for February:
We will be waiving the 5 minimum transaction requirement for anyone who has pending points at conversion.
That’s a pleasant surprise.
I’m just upping the authorized amount in Bilt and paying a couple months’ rent in advance before it ends.