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

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).

Top 15 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 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

Terms Apply / Rates & Fees

Bilt Blue Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Blue Card

Welcome Offer

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.

$100 Bilt Cash

Annual Fee

$0

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

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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

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. At the end of each calendar year, any Bilt Cash balance over $100 will expire. (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

Terms Apply / Rates & Fees

Bilt Obsidian Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 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

Bilt’s midrange card, the Obsidian Card, has a low $95 annual fee (rates & fees) and comes with a decent 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. (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, then 1x; 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

Terms Apply / Rates & Fees

Bilt Palladium Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Apply Now

Bilt Palladium Card

Welcome Offer

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.

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

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: Subject to approval: Earn 50,000 points after spending $4,000 on non-housing expenses in the first 90 days + 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

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, then 1x; 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

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.

15. Refer a Friend

If you have friends and family members who are interested in getting a Bilt card, you can earn up to 5,000 bonus points for each successful referral. You’ll receive another 5,000 points for every 5 successful referrals and can refer up to 50 cardholders.

One major caveat: Bilt’s referral program is currently limited to select cardholders only. To find out if you’re eligible, open the Bilt app, head to the “Wallet” tab, and scroll down under “Recent transactions.”

Here were some of the requirements for referrals to qualify for the bonus:

• The recipient hasn’t previously opened a Bilt Rewards account or a Bilt credit card.
• They must apply through your unique link and referral code.
• If the referral submits more than 1 application, the bonus is only awarded to the application that results in an approved account.

Referral bonuses were deposited within 30 days of the qualified referral being approved for a Bilt credit card.

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.

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