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 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 $100,000 per year. You can also earn bonus points on travel and restaurant spend.

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Bilt Rewards Transfer Partners and How To Use Them [2025]

Updated: August 22, 2025, 1:53am CDT

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Table of Contents

Key Takeaways
Earning Bilt Rewards
Bilt Transfer Partners
How To Transfer Bilt Rewards
Redeeming Bilt Rewards
Combining Bilt Rewards
Other Ways To Use Your Points
Final Thoughts

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Key Takeaways

Bilt Rewards allows members to earn points, which can be transferred to travel partners like Alaska Airlines Atmos Rewards, Air Canada Aeroplan, and World of Hyatt for flights and hotel stays.
Bilt’s transfer partners provide flexibility in booking travel, with points typically transferring at a 1:1 ratio.
The program is particularly beneficial for renters, as it offers a way to earn rewards on rent payments, which traditionally do not earn points.

Bilt Rewards is one of the latest transferrable reward currencies on the market, paired with the Bilt Mastercard (rates & fees), a versatile card backed by Wells Fargo that’s primarily targeted at users who pay monthly consumer rent.

Bilt Cardholders earn reward points, 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

Bilt points can be transferred in 1,000-point increments by all members, though entry-level Blue members must transfer at least 2,000 points. The transfer increment is reduced to 1,000 points for Silver members and above.

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Bilt Transfer Partner	Minimum Point Transfer	Transfer Ratio	Transfer Time
Airline Programs
Aer Lingus AerClub	2,000	1:1	Almost Instantly
Air Canada Aeroplan	2,000	1:1	Almost Instantly
Air France-KLM Flying Blue	2,000	1:1	Almost Instantly
Alaska Airlines Mileage Plan	2,000	1:1	Almost Instantly
Avianca Lifemiles	2,000	1:1	Almost Instantly
The British Airways Club	2,000	1:1	Almost Instantly
Cathay Pacific Cathay	2,000	1:1	Almost Instantly
Emirates Skywards	2,000	1:1	Almost Instantly
Iberia Plus	2,000	1:1	Almost Instantly
Japan Airlines (JAL) Mileage Plan	2,000	1:1	Almost Instantly
Qatar Airways Privilege Club	2,000	1:1	Almost Instantly
Southwest Rapid Rewards	2,000	1:1	Almost Instantly
TAP Miles&Go	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
Virgin Red	2,000	1:1	Almost Instantly
Hotel Programs
ALL – Accor Live Limitless	2,000	3:2	Almost Instantly
Hilton Honors	2,000	1:1	Almost Instantly
IHG One Rewards	2,000	1:1	Almost Instantly
Marriott Bonvoy	2,000; 5,000 bonus points when transferring 20,000 points	1:1	Almost Instantly
World of Hyatt	2,000	1:1	Almost Instantly

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 for Blue members.

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, 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 and Virgin Atlantic, allow you to book airlines that may belong to another alliance.

Air Canada’s website is embedded in the app, so when you search for flights, you don’t have to log in to that account 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 hundreds of thousands of points to make use of it. You will likely find a quicker use by transferring points 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.

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