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

Updated: June 8, 2026, 11:50am CDT

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12 FAQs About Bilt Rewards
Final Thoughts

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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.

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.

Terms Apply / Rates & Fees

Bilt Blue Card

U.P. Rating

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Bilt Blue Card

Welcome OfferWelcome 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

Annual Fee

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

Terms Apply / Rates & Fees

Bilt Obsidian Card

U.P. Rating

Apply Now

Bilt Obsidian Card

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.
$200 Bilt Cash

Annual Fee

$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

Terms Apply / Rates & Fees

Bilt Palladium Card

U.P. Rating

Apply Now

Bilt Palladium Card

Welcome OfferSubject 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

Annual Fee

$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.

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.

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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 Plan	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
World of Hyatt	2,000	1:1	Almost Instantly
Wyndham Rewards	1,000	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:

Transfer points to Air France-KLM Flying Blue for Air France or KLM business class flights
Transfer points to The British Airways Club for Qatar Airways Qsuite
Transfer points to Cathay Pacific Cathay for British Airways first class
Transfer points to Emirates Skywards for Emirates first class and business class flights
Transfer points to Virgin Atlantic Flying Club for ANA business class and first class flights
Transfer points to World of Hyatt for luxury hotel stays at properties like Grand Hyatt Kauai, Park Hyatt Maldives Hadahaa, Park Hyatt New York, and Alila Ventana Big Sur

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.

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.