Buckle up, as a result of Bilt continues to launch particulars about its 2.0 program — which, as it’s possible you’ll know, consists of three new bank cards, two incomes choices and now a wholly new second rewards forex: Bilt Money.
Bilt Money does not exchange Bilt Rewards Factors, that are usually thought to be probably the most useful sort of loyalty program forex (per TPG’s January 2026 valuations), largely as a consequence of their high-quality switch companions. As an alternative, Bilt Money might be earned alongside factors and can unlock numerous credit, non permanent standing upgrades, the power to earn extra factors on spending and different particular goodies inside the Bilt ecosystem.
This extra forex can also be a part of the trio of bank card welcome bonuses and might be earned at a 4% charge on nonhousing spend if you choose that incomes possibility.
However one of many lingering greater questions from the Bilt 2.0 launch: What precisely does Bilt Money do?
Now we all know what it should do starting Feb. 1.
Bilt unveils new Bilt Money particulars
So, the short-ish reply: Bilt Money might be cashed in for Blade helicopter rides, unlock higher Lease Day switch bonus tiers and be spent as credit with Bilt’s companions similar to Lyft and GrubHub, amongst others. There are month-to-month and annual caps for many of the companions and choices.
There is a fairly thrilling possibility that may improve the incomes charges of each the Bilt Obsidian Card (see charges and costs) and the Bilt Palladium Card (see charges and costs) by a full level per greenback spent, which implies that the Palladium can nearly earn you 3 factors per greenback spent on purchases made utilizing the cardboard.
As a refresher, listed here are the welcome bonuses for the Bilt playing cards.
- Bilt Blue Card (see charges and costs): Earn $100 in Bilt Money whenever you apply and are permitted.
- Bilt Obsidian Card: Earn $200 in Bilt Money whenever you apply and are permitted.
- Bilt Palladium Card: Earn 50,000 bonus factors and Bilt Gold standing (by way of the remainder of the calendar 12 months by which it was earned and the next calendar 12 months) after spending $4,000 on purchases within the first three months from account opening. Moreover, cardholders obtain $300 in Bilt Money upon approval and $200 in further annual Bilt Money.
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And a fast reminder that with the Bilt 2.0 playing cards, outdoors of the welcome bonus Bilt Money, you could have to select (which you could change month-to-month) on whether or not you’ll earn 4% in Bilt Money on all on a regular basis purchases (together with Bilt factors), or to forgo incomes Bilt Money in your on a regular basis purchases and as a substitute depend your on a regular basis card spending towards spending tiers that unlock incomes a set proportion of factors in your hire or mortgage funds (as much as 1.25 factors).
How one can spend Bilt Money
Earlier than we dive into the Bilt Money choices we’re most enthusiastic about primarily based on the just-released checklist, this is the total checklist of ways in which Bilt has introduced that it is possible for you to to spend your Bilt Money. This checklist could be very more likely to evolve as time goes on, nevertheless it ought to offer you a taste for what is offered at launch.
Eating and groceries
- GrubHub: As much as $10 credit score every month towards restaurant and grocery supply. Accessible beginning March 1, 2026.
- Bilt’s 15-minute residence supply powered by Gopuff: As much as $5 credit score every month.
- GoPuff Fam (free supply and discounted groceries): As much as $100 yearly, redeemable for a month-to-month or annual membership. Accessible beginning March 1, 2026.
- Bilt Eating companions by way of cell eating checkout: One go to per thirty days as much as $25 (Bilt says that is increasing to hundreds of eating places nationwide this 12 months).
- Bilt eating experiences: As much as $50 per thirty days. Accessible March 1, 2026.
Cardholder unique bonus factors
Cardholder unique bonuses can be found when card incomes is about to 4% again in Bilt Money on on a regular basis spend.
- Level accelerator on on a regular basis spend on the Obsidian and Palladium Playing cards to allow one additional level per greenback on all on a regular basis spend for the following $5,000 in spending following activation for a value of $200 in Bilt Money. Can be utilized for as much as 5 activations per 12 months and expires after $5,000 in spending or on the finish of the 12 months.
- Obsidian earnings when that supply is enabled: 4 factors per greenback spent on eating or grocery, 3 factors per greenback spent on journey, 2 factors per greenback on on a regular basis spend
- Palladium earnings when that supply is enabled: 3 factors per greenback on on a regular basis spend
- Unlock incomes factors on month-to-month hire or mortgage funds (with no transaction charges) at a charge of incomes one level per greenback on as much as $1,000 of your hire or mortgage cost per $30 in Bilt Money spent, as much as the quantity of your hire or mortgage cost.
Journey and transportation
- Unlock larger switch bonuses: Use Bilt Money to unlock one tier larger on Lease Day switch bonuses. For instance, Gold members can unlock Platinum-level bonuses with this redemption. Platinum members can unlock an extra increase as effectively. This one has an instance price of $75, however it’s also labeled topic to vary.
- Lodge stays within the Bilt Journey portal: Redeem as much as $50 a month for Blue and Silver Bilt members and $100 per thirty days for Gold and Platinum members. There’s a two-night minimal keep for these redemptions.
- Lyft credit: As much as $10 credit score per thirty days towards Lyft rides
- Blacklane rides: Redeem credit score for Blacklane rides, as much as $50/12 months (Blue & Silver), $100/12 months (Gold) or as much as $150/12 months (Platinum).
- Blade credit: Redeem as much as $350 per seat, as much as two bookings per 12 months. Accessible beginning March 1, 2026.
- Unlock Dwelling Away from Dwelling advantages: Bilt Blue and Silver members can redeem $95 in Bilt Money to unlock Dwelling Away from Dwelling lodge reserving advantages. Accessible beginning March 1, 2026.
- Precedence Move additional visitor credit: Palladium cardholders can redeem Bilt Money for as much as two Precedence Move visitor charges coated per thirty days at $32 per visitor (max $64 per thirty days). Accessible beginning March 1, 2026.
- Bilt Neighborhood parking: Redeem as much as $5 per thirty days at Bilt Neighborhood Parking areas. Accessible beginning March 1, 2026.
Well being and wellness
- Health lessons within the Bilt app: Redeem as much as $40 per thirty days for a health class (together with SoulCycle, Barry’s, and others)
- Walgreens: Redeem as much as $10 per thirty days towards a Walgreens credit score
- Bilt comedy experiences: Redeem as much as $50 per thirty days for Bilt comedy experiences. Accessible beginning March 1, 2026.
- Bilt Design Assortment: Redeem as much as $10 per thirty days towards Bilt Design Assortment purchases.
Our potential favourite methods to make use of Bilt Money
That is all new and really more likely to evolve, however listed here are the Bilt Money choices that caught our eye proper off the bat.
Earn 3 factors per greenback spent on on a regular basis purchases with the Bilt Palladium card
That is The Factors Man in spite of everything, so the primary possibility that caught our eyes is the power to money in $200 in Bilt Money to earn an extra 1 level per greenback on your entire nonhousing spending (as much as $5,000) on each the Bilt Obsidian Card and the Bilt Palladium Card, as much as 5 occasions 12 months 12 months.
Subsequently, with the Obsidian Card, you possibly can earn:
- 4 factors per greenback spent on eating or grocery purchases (as much as $25,000 per 12 months for the eating or grocery bonus)
- 3 factors per greenback spent on journey
- 2 factors per greenback spent on on a regular basis spending
On the Bilt Palladium Card, you possibly can earn 3 factors per greenback spent on on a regular basis purchases.
With the extra bonus on the Palladium card, that’s an unimaginable return of 6.6 cents per greenback on on a regular basis spending, per TPG’s January 2026 valuations. Assuming you typically maximize your Bilt Rewards with high-value switch companions similar to World of Hyatt and Atmos Rewards, or by way of Bilt’s periodic Lease Day switch bonuses, that is an possibility completely price contemplating for many who plan to place on a regular basis spending on this card.
What makes this particularly attention-grabbing is that you are able to do it as much as 5 occasions per 12 months. When you attain the $5,000 spending cap, you possibly can unlock the extra level bonus once more as much as that annual cap by cashing in one other $200 in Bilt Money, which you’d earn after spending $5,000 on the 4% Bilt Money incomes charge. Rinse and repeat a number of occasions, as they are saying.
Blade helicopter rides
For individuals who are able to earn loads of Bilt Money, Blade seems like a great way to place that money to make use of doing one thing it’s possible you’ll not all the time in any other case get to do.
For these not acquainted, Blade is the helicopter service that may take you to/from Manhattan to New York’s John F. Kennedy Worldwide Airport (JFK) and Newark Liberty Worldwide Airport (EWR) in a matter of minutes.
Most Blade flights at present begin at $270 per seat, in response to my searches (although Blade advertises a beginning worth of $195), so utilizing as much as $350 in Bilt Money a max of twice per 12 months needs to be sufficient to cowl most Blade flights to these NYC-area airports.
Unlock the following standing tier of switch bonuses on Lease Day
This Bilt Money possibility has the potential to be very attention-grabbing — although precisely how attention-grabbing will rely on the main points of every switch bonus and the quantity of Bilt Money required to unlock the following standing tier of ratios.
However as an example you could have Bilt Gold standing by advantage of holding the Bilt Palladium Card. With this Bilt Money redemption possibility, it is possible for you to to make use of a yet-to-be-announced quantity of Bilt Money to unlock the following switch bonus ratio usually reserved for the Platinum tier of Bilt members.
Pondering of the December 2025 Lease Day switch bonus to Avios, that will have theoretically meant that as a substitute of getting a 75% bonus as a Bilt Gold member, you possibly can have used Bilt Money to purchase as much as the 100% switch bonus tier usually reserved for Bilt Platinum members.
For those who had been transferring 100,000 Bilt factors (at a 100% bonus) by briefly unlocking the Platinum tier that was out there in that month, you’ll obtain 25,000 extra Avios than you’ll have on the Gold tier with its 75% bonus. Assuming the value stays within the $75 Bilt Money vary that was introduced immediately, that is a probably nice worth.
Earn factors on hire or mortgage funds
Final however completely not least, the choice to make use of Bilt Money to unlock incomes factors on hire or mortgage funds is completely excessive on our curiosity checklist.
You may earn 1 level per greenback spent on hire or mortgage funds for each $1,000 of funds made with $30 in Bilt Money. So, in case your month-to-month housing cost is $2,500 and also you wish to earn 1 level per greenback, it might take $75 in Bilt Money to make these 2,500 Bilt factors a actuality. In fact, you possibly can decide to make use of much less Bilt Money to earn factors on a smaller proportion of your housing cost.
Mathematically, that is truly an much more rewarding possibility than the power to redeem $200 in Bilt Money to earn an additional level per greenback on $5,000 in spending on the Obsidian or Palladium Playing cards. At a charge of $30 in Bilt Money per 1 level per greenback spent on $1,000 in housing funds, you’d truly have the ability to earn 1 level per greenback on as much as $6,666 of housing funds with $200 in Bilt Money, reasonably than the $5,000 of 1 bonus level per greenback on on a regular basis spending on the playing cards, should you wished to take a look at it that method.
In fact, this is not essentially an both / or state of affairs, so maybe the fitting method to take a look at all of it, assuming you earn sufficient Bilt Money, is “why not each?”
Backside line
Very like a big multi-page Cheesecake Manufacturing unit menu, the Bilt 2.0 rollout has been rather a lot to soak up all of sudden.
The upside is that you’ve many selections, together with the way you earn and use Bilt Money. However that breadth of selection may also admittedly make it really feel a bit of overwhelming at first, particularly proper now, as none of that is stay to be used fairly but.
However probably incomes 3 factors per greenback spent on the Palladium Card (unlocked when redeeming $200 in Bilt Money, capped at $5,000, 5 occasions per 12 months) is a really stable possibility. And naturally, utilizing Bilt Money to unlock incomes fee-free factors in your hire or mortgage cost is just not solely core to the Bilt program, however a superb use of Bilt Money.
We’ll actually replace extra as Bilt Money goes stay and certain evolves.
