Bilt Rewards Transfer Partners and How To Use Them [2026]

The Bilt Rewards Program is one of the top flexible rewards programs, in part thanks to its large number of valuable transfer partners.

Bilt Points (offer terms) can be transferred to 25 different partner programs: 19 airlines and 6 hotels. Even better? These points transfer at a 1:1 ratio to almost all programs, except for Accor, which uses a 3:2 transfer ratio.

Read on to find out where you can transfer your Bilt Points for the best value.

Bilt Transfer Partners

See the full list of Bilt transfer partners below:

Earning Bilt Rewards

You can earn Bilt Points on rent payments, mortgages, and everyday purchases by using one of Bilt’s 3 credit cards or by eating out and shopping through the Bilt Rewards program.

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.

Apply Now

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

Read Full Review

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

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.

Apply Now

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

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

How To Transfer Bilt Rewards

Transferring Bilt Rewards points is simple, and you can do it via the Bilt app.

Step 1: Open the Bilt Rewards app or visit biltrewards.com to log in to your account.

Step 2: Navigate to the Rewards dashboard and click the button that says “Transfer.”

Step 3: Select the options “Airlines or Hotels” and your transfer partner.

Step 4: Enter your loyalty program account number and link your account.

Step 5: Select the number of points you wish to transfer and confirm.

Rules for Transferring Bilt Points

There are restrictions and things you should be aware of when transferring Bilt Points to partners:

• Transfers are irreversible, so confirm award availability before transferring.
• Blue members have a 2,000-point minimum for transfers.
• Silver, Gold, and Platinum members have a 1,000-point minimum for transfers.
• All transfers must be in 1,000-point increments.
• You can only transfer a maximum of 1 million points per day.
• Transfers complete almost instantly, though Southwest Rapid Rewards transfers may take up to 72 hours.

Redeeming Bilt Rewards

You can redeem Bilt Points via the Bilt Rewards Travel Portal, use points for shopping, dining, and gift cards, or transfer your Bilt Rewards points to the partners listed above to book travel.

Final Thoughts

Bilt’s transfer partner roster is among the broadest in flexible points programs, which is why we value Bilt Points highly. The ability to transfer them to 25 different partners gives you flexibility and versatility in redemptions. Just remember to confirm award ability before transferring points, as transfers are irreversible. For more on the Bilt program, read our Bilt Rewards review.