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 and these points 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 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 $50,000 a year. This is 50,000 points just for paying your rent as you would ordinarily do and is the major selling point of the card.
Bilt Transfer Partners
|Bilt Transfer Partner||Minimum Point Transfer||Transfer Ratio||Transfer Time|
|Air Canada Aeroplan||2,000||1:1||Almost Instantly|
|Air France-KLM Flying Blue||2,000||1:1||Almost Instantly|
|American Airlines AAdvantage||2,000||1:1||Up to 24 hours|
|Cathay Pacific Asia Miles||2,000||1:1||Almost Instantly|
|Emirates Skywards||2,000||1:1||Almost Instantly|
|Hawaiian Airlines HawaiianMiles||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|
|IHG One Rewards||2,000||1:1||Almost Instantly|
|World of Hyatt||2,000||1:1||Almost 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.
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.
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.
Redeeming Bilt Rewards
There’s no way to book travel directly with Bilt Rewards points; you always need to 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: American Airlines, Cathay Pacific
- Star Alliance: Air Canada, Turkish Airlines, United Airlines
- SkyTeam: Air France
In addition, some of the other airline partners, such as 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’re wanting to accumulate points, you’ll want to keep them with the person who is able to 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.
Bilt is uniquely structured not only from an earning standpoint but also from a redeeming one as well. The Bilt card is the only major credit card allowing you to earn points by paying your rent, fee-free, and is also the only transferrable currency credit card to transfer to both United Airlines and American Airlines, 2 huge players in the miles and points space. If you pay rent and haven’t picked up a Bilt credit card, you definitely should so you can start earning rewards.
The information regarding the Bilt World Elite Mastercard® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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