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Bilt Rewards Transfer Partners and How To Use Them [2024]

James Larounis's image
James Larounis
James Larounis's image

James Larounis

Senior Content Contributor

554 Published Articles 1 Edited Article

Countries Visited: 30U.S. States Visited: 35

James (Jamie) started The Forward Cabin blog to educate readers about points, miles, and loyalty programs. He’s spoken at Princeton University and The New York Times Travel Show and has been quoted in...
Edited by: Juan Ruiz
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Juan Ruiz

Senior Editor & Content Contributor

100 Published Articles 693 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

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Bilt Rewards is one of the latest transferrable reward currencies on the market, debuting with the Bilt World Elite Mastercard® Credit Card, a versatile card backed by Wells Fargo that’s primarily targeted at users who pay monthly consumer rent.

Bilt cardholders earn reward points just like other major banks, which can be transferred to a number of partner programs.

In this guide, we take a look at how to earn Bilt Rewards points, where you can transfer them, and what the best general use cases are for using each currency.

Earning Bilt Rewards

Earning Bilt Rewards points with the Bilt card is extremely straightforward:

  • You earn 3x points per dollar on all dining, whether that’s dining out or takeout.
  • You earn 2x points per dollar on travel, specifically tickets purchased with an airline, hotel nights purchased directly from the hotel, and car rentals.
  • You earn 1x point per dollar on rent payments each month, up to $100,000 a year. This is 100,000 points just for paying your rent as you would ordinarily do and is the major selling point of the card.

Bilt Transfer Partners

SCROLL FOR MORE
Bilt Transfer PartnerMinimum Point TransferTransfer RatioTransfer Time
Aer Lingus AerClub2,0001:1Almost Instantly
Air Canada Aeroplan2,0001:1Almost Instantly
Air France-KLM Flying Blue2,0001:1Almost Instantly
Alaska Airlines Mileage Plan2,0001:1Almost Instantly
American Airlines AAdvantage (ends June 2024)2,0001:1Up to 24 hours
Avianca Lifemiles2,0001:1Almost Instantly
British Airways Executive Club2,0001:1Almost Instantly
Cathay Pacific Asia Miles2,0001:1Almost Instantly
Emirates Skywards2,0001:1Almost Instantly
Hawaiian Airlines HawaiianMiles2,0001:1Almost Instantly
Iberia Plus2,0001:1Almost Instantly
Turkish Airlines Miles & Smiles2,0001:1Almost Instantly
United MileagePlus2,0001:1Almost Instantly
Virgin Atlantic Flying Club2,0001:1Almost Instantly
IHG One Rewards2,0001:1Almost Instantly
Marriott Bonvoy2,000; 5,000 bonus points when transferring 20,000 points1:1Within 48 hours
World of Hyatt2,0001:1Almost Instantly

All transfers are conducted in 2,000-point transfer increments as an entry-level Blue member. Even if you want to transfer under 2,000 points to your program of choice, you’ll need to move enough points to meet the minimum necessary to transfer.

Hot Tip:

How To Transfer Bilt Rewards

Transferring Bilt Rewards points is very easy, and is done within the Bilt app right from your phone.

Step 1: Open the Bilt app on your phone. In most circumstances, the app will remain logged in for you from your last visit, a unique (and welcome) benefit.

Step 2: Toggle over to either the Flights or Hotels tab on the Rewards screen and choose your program of choice.

Bilt Hotel Transfer Screen
Image Credit: Bilt

Step 3: Once you have your program of choice selected, you can then type in how many points you want to transfer, keeping in mind the 2,000-point transfer minimum.

Bilt Hyatt Transfer Screen
Image Credit: Bilt

Redeeming Bilt Rewards

While you can book travel directly with Bilt Rewards points via the Bilt Rewards Travel Portal, you can also transfer your Bilt Rewards points to a transfer partner, then book travel with that partner.

Between all of Bilt’s partners, there are airlines within each alliance:

  • Oneworld: Alaska Airlines, American Airlines, Cathay Pacific, British Airways, Iberia
  • Star Alliance: Air Canada, Turkish Airlines, United Airlines
  • SkyTeam: Air France

In addition, some of the other airline partners, such as Aer Lingus, Hawaiian Airlines, and Virgin Atlantic, can book airlines that may belong to another alliance.

Both Air Canada’s and American’s websites are embedded in the app, so when you search for flights, you don’t have to log in to those accounts separately. The airline’s website will appear within the app just as if you had visited it on its own, making for a seamless search experience.

Combining Bilt Rewards

Bilt Rewards cannot be combined between different accounts, so if you want to accumulate points, you’ll want to keep them with the person who can transfer them for the best possible use.

Other Ways To Use Your Points

Unique to Bilt Rewards, you can build up enough points to use as a down payment on a home, though Bilt provides limited details on this redemption option and you’re required to contact its customer service for assistance. The Bilt card is the only credit card that can utilize points for such a payment, though you’ll need thousands and thousands of points to make use of it, and will likely be able to find a quicker use by transferring to an airline or hotel partner.

Final Thoughts

Bilt is uniquely structured not only from an earning standpoint but also from a redeeming one. The Bilt card is the only major credit card allowing you to earn points by paying your rent with no additional transaction fee. It is also the only transferrable currency credit card that can be used with both United Airlines and American Airlines, 2 huge players in the miles and points space.

If you pay rent and haven’t picked up the Bilt card, you definitely should so you can start earning points.

Frequently Asked Questions

Does Bilt report to credit bureaus?

Yes. On-time payments for your rent are reported to the major credit bureaus, a great feature for those looking to build up their credit easily. Normally, rent payments are not reported, but when done through Bilt’s payment platform, they are.

Is the Bilt credit card metal?

The Bilt card is made of metal, like many premium credit cards.

Is the Bilt card a credit card?

Yes. The Bilt credit card is a normal credit card. Not only can you pay your rent with it, but you can also use it everywhere Mastercard is accepted.

How does the Bilt card work?

With the Bilt card, you can use it to pay your monthly rent without incurring a credit card transaction fee. When you pay your rent using the card, you’ll earn 1 point per dollar, up to $50,000 per year. You can also earn bonus points on travel and restaurant spend.

James Larounis's image

About James Larounis

James (Jamie) started The Forward Cabin blog to educate readers about points, miles, and loyalty programs. He’s spoken at Princeton University and The New York Times Travel Show and has been quoted in dozens of travel publications.

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