Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we may receive financial compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

14 Best Ways To Earn Lots of Bilt Points [2026]

Lori Zaino's image
Lori Zaino
Edited by: Michael Y. Park
& Ben Neighbors-Giles
Jump to Section

We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

SEE TOP CREDIT CARD OFFERS

Top Partner Offers

BEST LOUNGE CARD
Platinum Card® from American Express

Platinum Card® from American Express

Apply Now(at Amex's secure site)
As High As 175,000 Points. Find Out Your Offer.
ELEVATED WELCOME OFFERThe Business Platinum Card® from American Express
NEW OFFERChase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now(at Chase's secure site)
Earn 60,000 75,000 Points
NEW OFFERChase Sapphire Reserve®

Chase Sapphire Reserve®

Apply Now(at Chase's secure site)
Earn 125,000 Points

Bilt Points are one of the top transferable rewards currencies in the world of credit cards. And the Bilt ecosystem is growing, with the recent introduction of the Bilt 2.0 card lineup, which includes 3 new credit cards.

You can earn Bilt Points in a variety of different ways — even if you don’t actually hold one of Bilt’s co-branded credit cards.

In this guide, we’ll show you how to accumulate lots of Bilt Points, from spending on credit cards to paying your rent and mortgage, and clicking through shopping portals.

Hot Tip:

Note that Bilt’s new ecosystem feature 2 types of Bilt Rewards: Bilt Points and Bilt Cash (up to $100 of Bilt Cash earned rolls over to the next year). In this post, we’ll focus on earning Bilt Points (hint: you can actually use Bilt Cash to earn more Bilt Points).

Advertisement

Top 14 Ways To Earn More Bilt Points

Because Bilt has many valuable transfer partners and its very own travel portal, it’s a coveted currency. Here’s how you can earn a lot of Bilt Points and get closer to a lucrative redemption that’ll make your dream vacation a reality.

1. Spend on a Bilt Credit Card

Bilt’s 2.0 card lineup now includes 3 cards: the Bilt Blue Card (rates & fees), the Bilt Obsidian Card (rates & fees), and the Bilt Palladium Card (rates & fees).

With all 3 cards, you can earn up to 1x or 1.25x Bilt Points on your housing payments, depending on which earning system you choose (there are two, one which just earns Bilt Points on everyday spending and up to 1.25x Bilt Points on housing payments, and another which earns up to 1x Bilt Points on housing payments and Bilt Points and Bilt Cash on everyday spending). You should make sure to read the fine print, as you need to hit everyday spending thresholds or earn the right amount of Bilt Cash in order to unlock the full up to 1x or 1.25x points earned on your housing spending (offer terms).

The Blue Card

The Blue Card is Bilt’s entry-level card product. Even though it has no annual fee (rates & fees), the card comes with a generous welcome offer: $100 of Bilt Cash when you apply and get approved (offer terms).. While Bilt cards can seem rather complex, the Blue Card’s earning structure is simple: You get 1x points on everyday spending with the non-Bilt Cash option and 1x points plus 4% Bilt Cash with the combination option of Bilt Cash and Bilt Points (offer terms).

The Obsidian Card

Bilt’s midrange card, the Obsidian Card has a low $95 annual fee (rates & fees) and comes with a decent welcome offer: Earn $200 in Bilt Cash when you apply and get approved (offer terms)..

The Obsidian Card’s earnings structure is lucrative, but more complex than the other 2 cards. You earn:

  • 3x points and the option of 4% Bilt Cash on dining or groceries (up to $25,000 per year, you can choose which category earns 3x points each year)
  • 2x points and the option of 4% Bilt Cash on travel purchases
  • 1x points and the option of 4% Bilt Cash on everyday purchases
  • Up to 1x points on rent and mortgage

The card also comes with $100 worth of Bilt Travel Portal hotel credit, split into $50 statement credits awarded semiannually (offer terms).

The Palladium Card

The most premium Bilt card is the Palladium card, which has a higher $495 annual fee (rates & fees), but comes with a welcome offer that can help bulk up your points balance: Subject to approval: Earn 50,000 points after spending $4,000 on non-housing expenses in the first 3 months + Gold elite status. And, $300 Bilt Cash when you apply and get approved (offer terms).

The card’s earnings structure is straightforward: Earn 2x points and the option of 4% Bilt Cash on every (nonhousing) purchase. Cardholders also get additional perks like a $400 Bilt Travel hotel credit split into $200 semiannual credits, $200 Bilt Cash annually (offer terms), and a Priority Pass lounge membership.

Hot Tip:

Although paying yet another credit card annual fee may seem like a drag, the Palladium Card’s high welcome offer and generous earnings structure mean that you can earn a lot of Bilt Points quickly — and the perks can easily outweigh the annual fee, especially during the first year of card membership.

2. Housing Payments: Pay Rent or Mortgage

As we mentioned before, you can pay your rent and earn via 2 different systems: on which includes Bilt Cash and one which does not.

Is the arrangement complicated? Sort of. But can it be extremely lucrative when it comes to earning a lot of rewards? Definitely.

Plus, Bilt is the only credit card issuer that lets you earn points on transaction-fee-free housing payments, which include both rent and mortgage payments.

Here’s how it works:

Bilt Cash

The Bilt Cash option unlocks the ability to get the full up to 1x Bilt Points on rent and mortgage payments with no transaction fee. For every $30 Bilt Cash, you can unlock 1,000 points. You also earn a percentage (4%) in Bilt Cash for every nonhousing purchase.

Bilt Point-Only Rewards

You can earn up to 1.25x points with the Bilt Point-only option, but you won’t earn any Bilt Cash. Here’s what you’d need to spend on everyday purchases to get transaction-fee-free payments and the full 1.25x points (offer terms):

  • Spend 25% of your housing payment on everyday shopping and get 0.5x points on your housing payment.
  • Spend 50% of your housing payment on everyday shopping and get 0.75x points on your housing payment.
  • Spend 75% of your housing payment on everyday shopping and get 1x points on your housing payment.
  • Spend the same amount or more of your housing payment on everyday shopping and get 1.25x points on your housing payment.
Hot Tip:

Use the Bilt App to track your spending so you can earn the most on both housing payments and everyday purchases.

3. Bilt Neighborhood Rewards: Bilt Dining

You can earn bonus points for eating out at restaurants (restaurants must participate in Bilt Dining).

The best part?

You don’t need a Bilt credit card to earn these points for any business part of Bilt Neighborhood Rewards. You just need a Bilt Rewards account. And you can double-dip by using a card that earns bonus points on dining or pharmacy to get even more. For example, if you use the American Express® Gold Card to pay for your restaurant bill at a restaurant booked with Bilt Dining (and you’ve registered this card in your Bilt Wallet), you’d get up to 3x Bilt Points and 4x Amex Membership Rewards points (the 4x Amex Membership Rewards points are capped at $50,000 in purchases per year).

4. Bilt Neighborhood Rewards: Fitness Classes

Hilton Yokohama fitness center dumbbells
Get rewards for workouts. Image Credit: Ehsan Haque

Earn up to 3x Bilt Points at fitness studios such as Barry’s, Soul Cycle, Rumble, Y7, Core Power Yoga, Cycle Bar, Pure Barre, YogaSix, BFT, and others when booking through Bilt. Some of these studios offer complimentary add-ons, such as free shoes, towel rental, or water.

5. Bilt Neighborhood Rewards: Walgreens

Thanks to Bilt’s partnership with Walgreens, Bilt members can earn lots of valuable points by shopping and refilling prescriptions.

  • 3x Bilt Points on all Walgreens purchases
  • Additional deals and promotions
  • 100 Bilt points on prescription refills (exclusions apply)

You can also automatically apply your HSA or FSA benefits when shopping at Walgreens with any linked account.

6. Bilt Neighborhood Rewards: Parking

Bilt has a partnership with Metropolis, which means that Bilt Rewards members earn points on parking at more than 4,200 locations nationwide. The Neighborhood Parking feature in the Bilt app offers at least 1x points on parking.

7. Bilt Neighborhood Rewards: Lyft

Link your Lyft account to your Bilt account and earn up to 2x points on Lyft rides.

8. Bilt Neighborhood Rewards: Home Delivery

You can earn 1x points on home delivery purchases made through Bilt using any credit card.

9. Bilt Travel Bookings

Both the Obsidian Card and Palladium Card allow cardholders to earn 2x on travel purchases. Plus, you get an additional 1x on booking flights and 2x on booking hotels with Bilt’s Travel Portal when using any credit card.

You also earn 2x on booking Home Away from Home properties with any linked debit or credit card, in addition to your usual card rewards, as well as several exclusive perks such as property credits, room upgrades, daily breakfast for 2, and more.

10. Use Bilt Cash To Get More Bilt Points

You can use your Bilt Cash to unlock the full up to 1x Bilt Points on housing payments. You can also use it to earn more points via a points accelerator if you hold the Obsidian Card or the Palladium Card (offer terms).

For example, $200 Bilt Cash gets you an additional 1x points on all everyday spend up to $5,000, which means the Obsidian Card gets 4x on dining or grocery (up to $25k on grocery and you can pick which category earns 3x each year) 3x on travel, and 2x on everyday spending. Meanwhile, the Palladium Card gets 3x on everyday spending. You can do up to 5 accelerators annually.

11. Rent Day

On the first day of every month, Rent Day, Bilt offers promotional transfer bonuses, earnings bonuses, and lots of deals (through January 1, 2027).

And all Bilt co-branded credit cards earn extra points on the first of every month:

Bilt Blue Card

  • Earn 2x points (normally 1x) on everyday spending.
  • Earn up to 1,000 total bonus points.

Bilt Obsidian Card

  • Earn 6x points (normally 3x) on your selected category of dining or groceries (up to $25,000 per year, you can select which category earns at this rate each year).
  • Earn 4x points (normally 2x) on travel.
  • Earn 2x points (normally 1x) on everyday purchases.
  • Earn up to 1,000 total bonus points.

Bilt Palladium Card

  • Earn 4x points (normally 2x) on everyday spending.
  • Earn up to 1,000 total bonus points.

12. Buy a Home

If you’re transitioning from renting to owning a home, you might be in for a substantial payday: Bilt Rewards members earn 1 point per $2 on the total purchase price of their home if you work with a Bilt-affiliated agent.

13. Shop via Rakuten

shopping lipstick cosmetics Macy's
Get points for shopping. Image Credit: Michael Y. Park

Thanks to Bilt’s partnership with Rakuten, you can earn Bilt Points when using the Rakuten shopping portal to make purchases online. It’s easy: Sign up for Rakuten and choose Bilt as your preferred currency.

Any time you want to shop online, head to Rakuten first, search for the merchant you want to shop with, and click the link. You can make this even easier by downloading the Rakuten browser extension and activating it to earn rewards whenever you’re shopping at a participating retailer.

14. Earn Interest on Your Points

Bilt offers a 4-tier elite status program that earns interest on the number of points in your account balance.

Your status is determined by the number of eligible Bilt Points you earned within the calendar year or how much you spend on eligible purchases, while your interest earnings are based on the number of points in your account:

  • Blue: Anyone enrolled, with less than 50,000 eligible points earned in a calendar year
  • Silver: At least 50,000 eligible points earned in a calendar year or $10,000 of eligible spending
  • Gold: At least 125,000 eligible points earned in a calendar year or $25,000 of eligible spending
  • Platinum: At least 200,000 eligible points earned in a calendar year or $50,000 of eligible spending

If you’re a Silver member or higher, Bilt will pay you interest on your points based on the national savings rate outlined by the FDIC. The interest is calculated based on the average daily points balance in your account across every 30-day period. Note that interest is paid in the form of points.

Final Thoughts

The best way to earn a lot of Bilt Points is to apply for a Bilt co-branded credit card.

Thanks to a generous welcome offer and high bonus categories, you’ll likely earn the most right off the bat with the Palladium Card, though all of the Bilt cards offer the opportunity to earn. And if you put the right amount of everyday spending on your card (enough to unlock the full points earning), you can earn a lot for expenses like your rent or mortgage.

Still, you can earn a lot of Bilt Points without having a single Bilt co-branded credit card if you shop through Rakuten or sign up for the Bilt Neighborhood Rewards program. Just make sure the card you use most often is saved in your Bilt Wallet and that you reserve dining and fitness classes through the app so you earn your points.


A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt Palladium Card Mastercard Guide to Benefits for details.

Frequently Asked Questions

How much are Bilt Rewards points worth?
Which credit card lets you earn the most Bilt Points?

Bilt offers 3 credit cards, but the best option for earning the most points is the Palladium card. Not only does it have a generous welcome offer that includes both Bilt Points and Bilt Cash, but it also earns 2x on all everyday spend, with no cap.

How can you redeem Bilt Points?

You have choices for redeeming Bilt Points, but the best way to do so is to transfer them to over 20 airline and hotel partners. Or you can use them to book travel within the Bilt Travel portal.

How do you earn Bilt Points?

You can earn Bilt Points by paying rent, spending on a Bilt credit card, earning interest on your Bilt Points, buying a home, linking your Lyft account, shopping via Rakuten, or participating in Bilt Neighborhood Rewards.

Lori Zaino's image

About Lori Zaino

Lori is an intrepid traveler who loves creating itineraries that exude “luxe on a budget.” She’s written for CNN, NBC, The Infatuation, and Forbes and has taken points-fueled trips to Sri Lanka, Sicily, and Myanmar.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse

We Recommend

Platinum Card® from American Express

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Show more
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
DMCA.com Protection Status