Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

How Much Are Bilt Rewards Points Worth? [13 FAQs]

Brett Holzhauer's image
Brett Holzhauer
Updated: 
Edited by: Jessica Merritt
& Jestan Mendame
How Much Are Bilt Rewards Points Worth? [13 FAQs]
Jump to Section
Table of Contents

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The Bilt Mastercard (rates & fees) launched in June 2021. Its hook is that renters can pay their landlords using a credit card without any pesky fees and earn rewards along the way. Since then, the card has become widely popular among millennials and Generation Z as they look to maximize the benefits of paying their monthly rent.

Since the card launched, Bilt has added several options to redeem rewards, including transferring points to airline and hotel partners.

Here are a few frequently asked questions about Bilt Rewards, including how you can redeem them, what partners you can transfer to, and how to maximize them.

12 FAQs About Bilt Rewards

1. What Are Bilt Rewards?

Bilt Rewards is the loyalty program associated with the Bilt Card. Cardholders can earn Bilt Rewards points on their eligible purchases.

Bilt Mastercard
Bilt Mastercard
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The information regarding the Bilt Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Bilt Mastercard
The information regarding the Bilt Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
No offer available
No offer available
$0
See Rate & Fees
Why We Like This Card

Update: The Bilt Mastercard is no longer available for new applicants.

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt Mastercard, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt Card has to offer to help you decide whether the card makes sense for you.

Pros & Cons
Pros
  • 3x points per $1 on dining
  • 2x points per $1 on travel
  • 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year (plus all other eligible purchases)
Cons
  • Does not offer a welcome bonus
  • Must use the card 5 times each statement period to earn points
Read Full Review
Card Highlights
  • $0 Annual Fee
  • Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
  • Earns 3x points on dining, 2x on travel, and 1x on other purchases
  • Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
  • Use the card 5 times each statement period to earn points
  • Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
  • Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
  • Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
  • Select “Apply Now” to learn more about the product features, terms, and conditions
Financial Snapshot
  • APR: See Rate & Fees
  • Foreign Transaction Fees: $0

Bilt Card users can earn points for the following bonus categories:

  • 3x points at restaurants
  • 2x points on travel booked directly with airlines, hotels, and car rental agencies
  • 1x points on rent payments with no transaction fee (up to 100,000 points each calendar year)
  • 1x points on other eligible purchases

Additionally, on the first of each month (known as Bilt Rent Day), you can earn double points on all eligible purchases (minus rent) up to 1,000 bonus points. However, to qualify for these earnings, you must make at least 5 qualifying transactions per month.

Each redemption offers a different value, but transferring rewards to one of Bilt’s transfer partners, such as Hilton Honors and Alaska Airlines Atmos Rewards, is likely to offer the most value.

2. Is Bilt Rewards Worth It?

The Bilt Card is awesome as it lets you earn rewards on your rent without any rent payment transaction fees, which is a rare opportunity. The combination of charging rent as a big purchase and then adding on smaller purchases like travel and dining makes it a valuable card. Plus, the Bilt Card gives you great consumer protections for your travels and purchases, no foreign transaction fees (rates & fees), and access to special events. If you’re a renter, it could be a great card for your wallet.

As a homeowner, it could be a bit of a harder sell. HOA payments can be charged to the Bilt Card, but the ability for homeowners to maximize the value of the card remains limited for now.

3. How Do I Check My Bilt Rewards Points?

You can check your Bilt Rewards balance in your account.

When you log in to the website, you will see your points balance in the upper right-hand corner.

Bilt Web Points Balance
Image Credit: Bilt

When using the Bilt app, the points balance will be in a similar upper right-hand corner position.

Bilt app balance
Image Credit: Bilt

4. How Much Are Bilt Rewards Points Worth?

We value Bilt Rewards at 1.8 cents per point. That means if you save up 100,000 Bilt Rewards points for your next trip, you’ll have roughly $1,800 worth of points. However, the actual value you achieve is determined by how you redeem the points.

Valuing any loyalty program is subject to subjectivity. Additionally, valuations can change rapidly as brands and companies devalue rewards based on business needs.

For example, Bilt recently ended its partnership with American Airlines AAdvantage, negatively affecting the overall value of the rewards.

As you’re earning rewards, be mindful of not only earning heaps of points but also redeeming them simultaneously. Letting points sit stale can be a net negative, as the value of the points can fall without warning as brands change their respective programs.

5. How Much Are 2,500 Bilt Rewards Points Worth?

According to our valuations, 2,500 Bilt Rewards points are worth $45.

6. How Much Are 5,000 Bilt Rewards Points Worth?

We value 5,000 Bilt Rewards points to be worth $90.

With 5,000 Bilt Rewards points, you can get a $25 credit towards rent, though this is far below our value of $90.

You could also book a fitness class in Chicago with 3,750 Bilt Rewards points worth an estimated $67.50 (though you could purchase this outright for $32, so it’s not a great redemption).

Bilt Fitness Class Points
Image Credit: Bilt

7. How Much Are 10,000 Bilt Rewards Points Worth?

With 10,000 Bilt Rewards points — worth an estimated $180 — you could have enough points for a free night at a Hyatt hotel when you transfer your points to World of Hyatt.

8. How Much Are 20,000 Bilt Rewards Points Worth?

We value 20,000 Bilt Rewards points to be worth $360 when redeemed for travel.

9. What Can You Use Bilt Rewards Points For?

Bilt Rewards points can be used for several different redemptions, including:

  • Travel with various airline and hotel partners
  • Booking travel on the Bilt Rewards Travel Portal (1.25 cents each)
  • The Bilt Collection purchases, which includes a variety of art, home decor, and lifestyle goods
  • Fitness classes
  • Payment for part or all of your Amazon purchases (Bilt Card holders only, 0.7 cents each)
  • Payment for part of your rent
  • Saving for a home down payment
  • Student loan payments
  • Statement credit (Bilt Card holders only, 0.55 cents each)

10. How Much Are Bilt Rewards Points Worth in Cash?

Bilt Rewards aren’t redeemable for cash. The most cash-like redemption is redeeming your points towards your rent. Bilt Card holders can redeem their points as statement credits.

11. What Partners Can I Transfer Bilt Rewards Points To?

Bilt Rewards can be transferred to many airline and hotel partners. Bilt occasionally runs transfer bonus promotions.

SCROLL FOR MORE

Bilt Transfer Partner

Minimum Point Transfer

Transfer Ratio

Transfer Time

Airline Programs

Aer Lingus AerClub

2,000

1:1

Almost Instantly

Air Canada Aeroplan

2,000

1:1

Almost Instantly

Air France-KLM Flying Blue

2,000

1:1

Almost Instantly

Alaska Airlines Atmos Rewards

2,000

1:1

Almost Instantly

Avianca Lifemiles

2,000

1:1

Almost Instantly

The British Airways Club

2,000

1:1

Almost Instantly

Cathay Pacific Cathay

2,000

1:1

Almost Instantly

Club Iberia Plus

2,000

1:1

Almost Instantly

Emirates Skywards

2,000

1:1

Almost Instantly

Etihad Guest

2,000

1:1

Almost Instantly

Japan Airlines (JAL) Mileage Plan

2,000

1:1

Almost Instantly

Qatar Airways Privilege Club

2,000

1:1

Almost Instantly

Southwest Rapid Rewards

2,000

1:1

Almost Instantly

TAP Miles&Go

2,000

1:1

Almost Instantly

Turkish Airlines Miles & Smiles

2,000

1:1

Almost Instantly

United MileagePlus

2,000

1:1

Almost Instantly

Virgin Atlantic Flying Club

2,000

1:1

Almost Instantly

Virgin Red

2,000

1:1

Almost Instantly

Hotel Programs

ALL – Accor Live Limitless

2,000

3:2

Almost Instantly

Hilton Honors

2,000

1:1

Almost Instantly

IHG One Rewards

2,000

1:1

Almost Instantly

Marriott Bonvoy

2,000; 5,000 bonus points when transferring 20,000 points

1:1

Almost Instantly

World of Hyatt

2,000

1:1

Almost Instantly

Hot Tip:

You can combine Bilt Rewards points with points from another transferable rewards credit card, such as the American Express® Gold Card or the Capital One Venture Rewards Credit Card.

12. What Is the Best Way To Redeem Bilt Rewards Points?

Transferring Bilt Rewards points to a travel partner is one of the best ways to redeem points. Here are some of our favorites:

Hot Tip:

Emirates first class awards using Skywards miles are only available to members with Skywards Silver, Gold, or Platinum status. You can get around this restriction by booking a business class award and then using additional miles to upgrade to first class.
» Related: The 18 Best Ways To Redeem Bilt Rewards Points [For Max Value]

13. Do Bilt Rewards Points Expire?

No, Bilt Rewards don’t expire. However, your account must stay open and active to retain your points. If your account is inactive or closed, your points are forfeited.

Final Thoughts

Bilt Rewards are unique as you can earn credit card points on rent, which is typically an expense you can’t put on a credit card. However, this card shouldn’t be the only card you use for your expenses, as other cards may reward you at a higher rate.

Featured Image Credit: Vitaly Gariev via Unsplash
Brett Holzhauer's image

About Brett Holzhauer

Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.

INSIDERS ONLY: UP PULSE™

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse

We Recommend

Platinum Card® from American ExpressTerms Apply / Rates & Fees

Platinum Card® from American Express

Apply Now(at Amex's secure site)

Platinum Card® from American Express

Welcome Offer: As High As 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Show more
  • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
  • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

Upgrade your travel experience

  • Facebook
  • Twitter
  • Instagram
  • Pinterest
  • Linkedin
  • Youtube

© 2025 Upgraded Points™, LLC. All Rights Reserved.

DMCA.com Protection Status

Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.

Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.

Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.

Editorial Disclosure: The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.