How To Earn 100k+ Bilt Rewards Points [In 90 Days]

Having 100,000 Bilt Rewards points is nothing to scoff at. We currently value Bilt points at 1.8 cents per point, making 100,000 worth a heaping $1,800. What makes them so valuable is that Bilt has built a long list of travel partners, including both airline and hotel loyalty programs. This gives members the ability to use their points as they need and with the brands they prefer to fly or stay with.

However, Bilt only has 1 card for now, the Bilt World Elite Mastercard^®, so the idea of earning 100,000 Bilt points without using multiple cards can seem like a stretch.

Here’s how you could potentially earn 100,000 Bilt points and a few examples of what you could redeem them for.

Why Would You Want To Earn 100,000 Bilt Rewards Points?

Bilt Rewards is one of the most valuable currencies in the points and miles game, right behind Chase Ultimate Rewards and American Express Membership Rewards. This is because of its multiple redemption options, which aren’t only for airline and hotel transfer partners. You can also redeem Bilt points for:

• The Bilt Collection (a variety of home decor, goods, and art)
• Fitness classes
• Shopping on Amazon
• Rent or a down payment on a home

But the best use of these points is definitely for travel, as you can redeem for luxury travel for much less than retail value. Here’s how you can amass 100,000 Bilt points in the first 90 days of having the Bilt Card.

How To Earn 100k+ Bilt Rewards Points

Unfortunately, the Bilt Card doesn’t offer any sort of welcome bonus offer, as many other credit cards do. So if you’re approved for the card, you’ll start with zero points. Here’s how you can quickly grow that points balance to score valuable redemptions.

1. Apply for the Bilt Card

Applying for the Bilt Card is the obvious first step. As of now, there is only 1 Bilt Card rather than a family of cards.

The determining factor for considering this card is whether you currently rent or own where you live. This card is built for renters to earn points on their rent without any of the pesky fees typically associated with using a credit card. If you own your home, the value proposition becomes considerably smaller.

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Bilt World Elite Mastercard^® Credit Card

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The rating for this card has been determined by our own industry experts who know the in's and out's 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.

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Bilt World Elite Mastercard^® Credit Card

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

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Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard^® Credit Card, 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 at restaurants
• 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

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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
• Earn 2x points on travel
• Earn 1x points 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, statement credits, toward a down payment on a home, etc.
• Select “Learn More” to learn more about the product features, terms, and conditions

Financial Snapshot

• APR: See Rate & Fees
• Foreign Transaction Fees: $0

2. Pay Your Rent With the Bilt Card

The best way to earn heaps of Bilt points is to use the Bilt Card for what it was designed for: paying rent with no transaction fees.

The appeal is that, historically, landlords generally don’t accept credit cards, as they don’t want to incur fees and potential headaches with credit card issuers. But now, with the Bilt Card, landlords can accept rent money through a credit card without any transaction fees on their end.

However, this opportunity comes with limitations:

• Only 1 rent payment is allowed per 30-day period per account.
• You can only earn up to 100,000 points from rent per calendar year.

The opportunity to earn points on one of your largest bills shouldn’t be overlooked. You can start raking in the points here and continue with the suggestions below.

3. Use Your Network to Your Advantage

Using your credit cards at a bar or restaurant for a group to earn more points isn’t a novel concept. But as I wrote about recently, use your network to see if you can slide your card over for any potentially large purchases trusted friends and family make.

For anything from insurance premiums or furniture purchases to a down payment on a car or a new iPhone, you can likely use a credit card to pay and earn rewards along the way.

However, spending only for yourself can be quite limited, so do your best to ask around. For example, one of my close friends doesn’t use credit cards to keep his finances simpler. So, from time to time, he will call me to make a large purchase for him and send me funds via Venmo.

By doing this, you can quickly rack up rewards on any credit card. But with the Bilt Card, using your card for dining and travel expenses that earn 3x and 2x per $1 spent, respectively, can help you earn even more.

4. Take Advantage of Rent Day

Rent Day is a promotion to encourage members to be active on the first day of each month. On all purchases (except rent), you can earn double points, up to 1,000 bonus points, every Rent Day. Here’s how that breaks down:

• 6x Bilt points on dining
• 4x Bilt points on travel (flights, hotels, and car rentals)
• 2x Bilt points on other purchases (excluding rent)

To earn these bonus points, cardholders must make 5 purchases each statement period, so be sure to hit this spending threshold (See Rewards & Benefits).

If you’re able to save up a few monthly bills for the first of each month, this could be an extra 12,000 points over a year.

5. Dine at Restaurants in the Bilt Dining Network

The Bilt Dining program was created to allow Bilt Card holders to earn even more rewards as they dine out. With this, you can earn up to 11 points per $1 spent, which is an effective 19.8% return on your spending.

Here’s how it works:

By simply using the Bilt Card on dining, you earn 3x points per $1 (6x points per $1 on Rent Day). This is a solid value, but the magic happens when you link your card in the Bilt app. Once you use the card to pay your tab, depending on the restaurant, you can earn even higher multipliers.

There are roughly 20,000 places to eat in the Bilt Dining program, so check to see if there are any eligible restaurants in your city or one you plan on visiting.

If you schedule your upcoming dinners on the first of each month, you can score significant points.

6. Connect Your Lyft and Bilt Accounts

If you take ride-shares often, connect your Lyft and Bilt accounts to earn up to 5x points per $1 spent on each ride. This breaks down in 2 ways:

• 2x points once you link your Bilt and Lyft accounts and set Bilt as the active loyalty partner
• 3x points once you complete your ride and pay with the Bilt Card

Depending on how often you use ride-share services, this could potentially be a solid way to earn points.

7. Refer Friends

The core audience for Bilt Card holders is renters. And if you’re currently a renter, you likely know other renters who live in your building. If you refer them to the Bilt Card using your referral link, you earn 2,500 points. For every fifth referral, you earn an additional 10,000 points, up to 50 total successful referrals. 

This may take a while to build up, but you could rake in a bunch of rewards doing this. Find your referral link on the Invite page after logging in.

8. Use Your Bilt Card for Your Daily Expenses and Earn Status Along the Way

I firmly believe the real points earnings come in the few opportunities of larger expenses. However, that doesn’t negate using the Bilt Card for all of your daily expenses. If you spend $1,500 per month, at a minimum, that is 1,500 Bilt points for you to redeem for travel. Over a year, this adds up to 18,000 points.

This is a reason that focusing on 1 credit card, or points currency, can be a valuable strategy. And the more Bilt points you earn and hold, you continue to earn even more, as you can earn interest in the form of even more points (once you reach Silver status). Each month, you’re awarded additional points based on your monthly points balance.

These status levels are earned based on yearly points earnings and spending on the Bilt Card. So if you’re going all in on using your Bilt Card, you could potentially benefit from the elite status you earn.

How To Use 100,000+ Bilt Rewards Points

Once you amass 100,000 or more Bilt Rewards, now the fun begins of redeeming them. Here are Bilt’s current transfer partners:

With this wide array of options, there are plenty of ways you could redeem these points for both top-tier and economic travel. Here are a few ideas.

Alaska Airlines First Class to Hawaii

Alaska Airlines Mileage Plan is a favorable airline loyalty program for those headed to Hawaii. Alaska’s first class seats aren’t the fanciest in the sky, but they get the job done for a great price. First class tickets from the contiguous U.S. to Hawaii start as low as 40,000 miles one-way.

4 Nights at the Andaz Amsterdam Prinsengracht

World of Hyatt is an outstanding transfer partner, as you can stretch the value of your Bilt points. For 4 standard award nights at the stunning Andaz Amsterdam Prinsengracht, you will need to transfer 100,000 points to Hyatt.

Final Thoughts

Bilt is a solid platform for earning valuable rewards if you’re a renter. If you’re not renting, there are plenty of other opportunities to earn flexible rewards with other programs like Wells Fargo Rewards or Citi ThankYou Rewards.