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

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Brett Holzhauer
Updated: 
Edited by: Jessica Merritt
& Jestan Mendame
How Much Are Bilt Rewards Points Worth? [13 FAQs]
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Bilt Rewards launched in June 2021; its hook is that renters can pay their landlords with a credit card without any pesky fees and earn rewards along the way. There are now 3 Bilt Rewards credit cards, each offering different benefits, but all with the same premise as when Bilt began: no transaction fees for rent payments. Bilt Rewards has become widely popular among Millennials and Generation Z as they look to maximize the benefits of paying their monthly rent.

Since launching, 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.

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12 FAQs About Bilt Rewards

1. What Is Bilt Rewards?

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

Additionally, on the first of each month (known as Bilt Rent Day), cardholders can earn double points on all eligible purchases (minus rent), up to 1,000 bonus points.

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.

Bilt Blue CardTerms Apply / Rates & Fees
Bilt Blue Card

Apply Now
Bilt Blue Card
Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
$100 Bilt Cash
$0
Why We Like This Card

The Bilt Blue Card allows cardholders to earn valuable Bilt Rewards Points with a $0 annual fee on rent, mortgage, and everyday purchases, with the option to also earn 4% back in Bilt Cash on nonhousing spend.

Pros & Cons
Pros

    • Up to 1.25x points on rent and mortgage payments
    • Earn 1x points and the option to earn 4% back in Bilt Cash on everyday purchases
    • No foreign transaction fees
    • No authorized user annual fee

Cons
    • The math can be confusing to redeem Bilt Cash
Read Full Review
Card Highlights
  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 1X points on everyday spend.
  • Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.
  • Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits).

Financial Snapshot
  • Foreign Transaction Fees: None
Rewards Center

Bilt Rewards

Bilt Obsidian CardTerms Apply / Rates & Fees
Bilt Obsidian Card

Apply Now
Bilt Obsidian Card
$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
$200 Bilt Cash
$95
Why We Like This Card

The Bilt Obsidian Card is a midtier option for those who want to earn up to 1.25x Bilt Points on rent or mortgage payments, as well as bonus points in key categories such as dining or groceries and travel.

Pros & Cons
Pros
  • Up to 1.25x points on rent and mortgage payments with no transaction fee
  • 3x points on dining or groceries, on up to $25,000 per year (you can choose which category annually), and the option to earn 4% back in Bilt Cash
  • 2x points and the option to earn 4% back in Bilt Cash on travel purchases
Cons
  • $95 annual fee
  • You’ll need to redeem Bilt Cash to unlock rewards for rent and mortgage payments
Read Full Review
Card Highlights
  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
  • 2X points on travel
  • 1X points on everyday spend
  • Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
  • $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.
Financial Snapshot
  • Foreign Transaction Fees: None
Bilt Palladium CardTerms Apply / Rates & Fees
Bilt Palladium Card

Apply Now
Bilt Palladium Card
Subject to approval: 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Subject to approval: 50,000 points + $300 Bilt Cash
$495
Why We Like This Card

The Bilt Palladium Card is a premium card option for those who want to earn up to 1.25x Bilt Points on their rent and mortgage payments, but also want premium perks like airport lounge access.

Pros & Cons
Pros
  • 2x points and the option to earn 4% back in Bilt Cash on everyday purchases
  • Up to 1.25x points on rent and mortgage payments
  • $400 annual Bilt Travel hotel credit, split into 2 semiannual credits (requires a 2-night stay)
Cons
  • Charges a $495 annual fee
  • You’ll need to redeem Bilt Cash to unlock rewards for rent and mortgage payments
Read Full Review
Card Highlights
  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 2X points on everyday spend
  • $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
  • Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
  • Priority Pass ($469/year value). See Guide to Benefits.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.

Financial Snapshot
  • Foreign Transaction Fees: None

2. Is Bilt Rewards Worth It?

Bilt credit cards are awesome as they let 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 these valuable cards. Plus, Bilt credit cards may give you great consumer protections for your travels and purchases, no foreign transaction fees, and access to special events. If you’re a renter, any Bilt credit card could be a great addition for your wallet.

As a homeowner, it could also be a good choice since earning points on mortgage payments is possible, too. Plus, HOA payments can be charged to a Bilt credit card.

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 credit cardholders only, 0.7 cents each)
  • Payment for part of your rent
  • Saving for a home down payment
  • Student loan payments
  • Statement credit (Bilt credit cardholders 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 credit cardholders 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

Atmos Rewards (Alaska Airlines and Hawaiian Airlines)

2,000

1:1

Almost Instantly

Avianca Lifemiles

2,000

1:1

Almost Instantly

British Airways Executive Club

2,000

1:1

Almost Instantly

Cathay Pacific

2,000

1:1

Almost Instantly

Emirates Skywards

2,000

1:1

Almost Instantly

Etihad Guest

2,000

1:1

Almost Instantly

Iberia Club

2,000

1:1

Almost Instantly

Japan Airlines (JAL) Mileage Bank

2,000

1:1

Almost Instantly

JetBlue TrueBlue

2,000

1:1

Almost Instantly

Qatar Airways Privilege Club

2,000

1:1

Almost Instantly

Southwest Rapid Rewards

2,000

1:1

Up to 72 hours

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

Preferred Hotels & Resorts I Prefer

2,000

1:2

Almost Instantly

World of Hyatt

2,000

1:1 (4:3 starting January 1, 2027)

Almost Instantly

Wyndham Rewards

1,000

1:1

Almost Instantly

Rail Program

Amtrak Guest Rewards

2,000

2:1

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: 18 Best Ways To Redeem Bilt Rewards Points for Maximum 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 is unique, as you can earn credit card points on rent, which is typically an expense you can’t put on a credit card. However, a Bilt credit 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.

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