Bilt Rewards: Earn factors on lease, switch bonuses and extra

Since its launch in 2021, Bilt Rewards has been often called this system that awards factors for lease. By means of the years, Bilt has undergone a bevy of updates and adjustments — maybe none fairly as splashy and newsworthy because the rollout of three all-new Bilt 2.0 playing cards in January 2026.

However there’s rather more to Bilt than housing rewards and bank cards. And you do not have to make housing funds by way of Bilt or have a Bilt bank card to earn helpful Bilt Factors by way of the loyalty program.

These factors will be redeemed for journey by way of loyalty companions, put towards lease or future down funds on a home, procuring on Amazon, and extra.

TPG’s February 2026 valuations deem Bilt factors to be essentially the most helpful foreign money in the marketplace, at 2.2 cents apiece. Nevertheless, there are many methods to get much more worth from them.

Bilt Palladium Card (see charges and costs): Earn 50,000 Bilt factors plus Gold standing after spending $4,000 on non-housing purchases within the first three months. You may earn $300 of Bilt Money upon approval (as much as $100 of Bilt Money earned rolls over to the following yr).

Let’s dive into all the main points of the Bilt Rewards loyalty program and discover tips on how to earn and redeem factors for max worth.

What’s Bilt Rewards?

Bilt Rewards is a loyalty program that allows you to earn factors to redeem towards journey, a down cost on a house, reward playing cards, Lyft rides, Amazon purchases and extra.

You may earn Bilt factors by merely changing into a member (at no cost), linking a qualifying card to your Bilt Rewards account and transacting with Bilt companions.

Maybe most notably, you possibly can earn Bilt factors on lease and mortgage funds and by spending on one of many issuer’s three cobranded playing cards:

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As talked about above, you do not have to be a renter, home-owner or Bilt cardholder to be a Bilt Rewards member. You may create a free rewards account, hyperlink your playing cards and earn Bilt factors any time you transact with certainly one of Bilt’s companions (together with eating places, ride-hailing providers, pharmacies, health lessons and extra).

Associated: Are you eligible for a brand new Bilt Rewards card welcome provide? Your greatest Bilt card questions answered

How do you earn Bilt Rewards factors?

There are a number of methods you possibly can earn Bilt factors. Here is a deep dive on every methodology.

Incomes Bilt factors with a Bilt card

Every Bilt card supplies a singular points-earning construction. These playing cards additionally earn factors on lease and mortgage funds and provide the choice to earn Bilt Money (a separate rewards foreign money) on on a regular basis purchases, however we’ll dive into these earnings later. Proper now, let’s give attention to what number of Bilt factors these playing cards earn on on a regular basis, nonhousing spending.

With the Bilt Blue, you may earn 1 level per greenback spent on on a regular basis purchases.

With the Bilt Obsidian, you may earn:

• 3 factors per greenback spent in your alternative of grocery (as much as $25,000 per yr) or eating*
• 2 factors per greenback spent on journey
• 1 level per greenback spent on on a regular basis purchases

*Your class alternative stays in impact for all the calendar yr.

With the Bilt Palladium, you may earn 2 factors per greenback spent on on a regular basis purchases.

To study extra concerning the Bilt playing cards, learn our full critiques of the Bilt Blue, Bilt Obsidian and Bilt Palladium.

Incomes Bilt factors on lease and mortgage funds

When you’ve got the Bilt Blue, Bilt Obsidian or Bilt Palladium, you can also make lease or mortgage funds by way of Bilt with out incurring a transaction price.

Nevertheless, it’s important to monitor your spending — and do some little bit of math — to unlock your housing factors by way of Bilt.

A be aware on Bilt Money: We are going to dive deeper into the ins and outs of Bilt Money, Bilt’s inside rewards foreign money, and tips on how to redeem it later. For now, it is value noting that every one three Bilt playing cards earn 4% again on on a regular basis purchases within the type of Bilt Money** — so long as you choose in to earn Bilt Money if you determine in your housing rewards construction.

**As much as $100 of Bilt Money earned rolls over to the following yr.

Associated: I earned factors paying my mortgage by way of Bilt — tips on how to arrange your account to do the identical

Once you arrange your Bilt card, you might be prompted to pick between two housing rewards constructions. These are as follows:

• Versatile Bilt Money choice: Redeem Bilt Money to unlock Bilt factors in your housing cost on the following charge: $30 in Bilt Money equals incomes 1 level per greenback spent on $1,000 of your housing cost (sustaining the flexibility to earn 4% Bilt Money on all nonhousing purchases).
• Housing-Solely (no Bilt Money choice): Earn Bilt factors routinely in your housing funds every billing cycle primarily based on how a lot you spend on on a regular basis purchases along with your Bilt Card (forgoing the flexibility to earn 4% Bilt Money on all nonhousing purchases). The variety of factors you earn relies on how a lot on a regular basis spending you do in comparison with your month-to-month housing cost throughout that billing cycle.

If you happen to select the Housing-Solely system of incomes (and forgo incomes Bilt Money), these are your incomes tiers:

• If you happen to spend at the very least 25% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 0.5 factors per greenback spent in your lease or mortgage cost that month.
• If you happen to spend at the very least 50% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 0.75 factors per greenback spent in your lease or mortgage cost that month.
• If you happen to spend at the very least 75% of your month-to-month housing cost(s) on on a regular basis purchases on the Bilt card, you may earn 1 level per greenback spent in your lease or mortgage cost that month.
• If you happen to spend the quantity of your month-to-month housing cost(s) or extra in on a regular basis purchases on the Bilt card, you may earn 1.25 factors per greenback spent in your lease or mortgage cost that month.

To study extra about these incomes constructions, learn our full article on incomes housing rewards by way of Bilt.

You may additionally use a bank card that is not a Bilt card to pay lease, although it will not be the best choice. If you happen to use a Visa, Uncover or Mastercard, you may earn 1 Bilt level per greenback spent on lease. Utilizing an American Specific card, you may earn 1 Bilt level for each $2 spent. Nevertheless, you may incur a 3% transaction price with this selection.

Incomes Bilt factors by way of Bilt Eating

Bilt additionally has its personal eating rewards program referred to as Bilt Eating.

You may hyperlink any Visa, Mastercard or American Specific bank card to the Bilt Eating program to earn as much as 3 factors per greenback spent at Bilt Eating eating places if you pay with any eligible card in your Bilt Pockets. These earnings come along with what you earn along with your bank card.

For instance, in case you pay with the Bilt Palladium, you possibly can earn as much as 3 further factors per greenback spent on high of the two factors per greenback spent earned on on a regular basis spending with the Palladium — for a complete of as much as 5 Bilt factors per greenback spent. That is an 11% return in your eating purchases, in response to TPG’s valuations.

When you’ve got the Bilt Obsidian and decide to earn 3 factors per greenback spent on eating purchases, you would doubtlessly earn as much as 6 complete Bilt factors per greenback spent at Bilt Eating eating places, a return of 13.2%, per TPG’s valuations.

There isn’t a cap on what number of factors you possibly can earn by way of Bilt Eating.

To study extra about incomes Bilt factors this manner, learn our full Bilt Eating information.

Incomes Bilt factors on the Bilt Journey portal

The Bilt Journey portal permits members to earn factors on flights, resort stays, automobile leases and actions.

As a Bilt Rewards member, you earn 1 level per greenback spent on flights booked by way of the portal and a pair of factors per greenback spent on resort bookings made by way of the portal.

These factors additionally stack with what you may earn utilizing a Bilt card, ensuing within the following incomes charges:

• Bilt Blue: 3 factors per greenback spent on resort stays booked by way of the Bilt Journey portal, 2 factors per greenback spent on flights booked by way of the portal
• Bilt Obsidian and Bilt Palladium: 4 factors per greenback spent on resort stays booked by way of the portal, 3 factors per greenback spent on flights booked by way of the portal

Incomes Bilt factors with Lyft

You may earn 2 Bilt factors per greenback spent on Lyft rides if you hyperlink your accounts.

As with incomes on the Bilt Journey portal, these factors additionally stack with what you may earn utilizing a Bilt card, ensuing within the following incomes charges:

Incomes Bilt factors with Walgreens

Bilt Rewards members additionally earn bonus factors once they use a linked card of their Bilt Pockets or a telephone quantity related to their Bilt account at Walgreens checkout. These charges stack with on a regular basis spending charges on Bilt playing cards.

Here’s what you possibly can anticipate to earn:

• 2 factors per greenback spent on Walgreens-branded merchandise
• 1 level per greenback spent on different purchases made at Walgreens
• 100 factors per prescription refill with Walgreens (on as much as 26 refills per calendar yr)

Incomes Bilt factors with health studios

You can too earn as much as 3 factors per greenback spent if you e book sure health lessons by way of Bilt and use any linked card from the Bilt app or web site. These incomes charges additionally stack with on a regular basis spending bonuses on Bilt playing cards.

Listed below are some instance companions:

• Barry’s
• BFT
• CorePower Yoga
• CycleBar
• Pure Barre
• Rumble Boxing
• SoulCycle
• YogaSix
• Y7

Many health studio companions additionally present complimentary gadgets, comparable to mats, sneakers, towels or smoothies, if you e book by way of Bilt.

Incomes Bilt factors with referrals

Earlier than Bilt’s 2.0 card revamp, you would earn referral bonuses for sharing hyperlinks with your pals to join Bilt Rewards.

I requested a Bilt help agent what the present incomes charge is for these referrals. They wrote, “Extra particulars concerning the Bilt Card referral program, together with a referral hyperlink you possibly can share with pals, will probably be coming quickly.”

So, for now, we’ll have to attend and see how a lot you possibly can earn with referrals.

Incomes Bilt factors by enjoying the ‘Hire Free’ recreation

Bilt gives a recreation show-style alternative for members to earn further factors on Bilt Hire Day (the primary of the month): “Hire Free.”

“Hire Free” is ready up like “Household Feud,” with a brand new creator or character enjoying the sport every month. As a Bilt member, you possibly can earn factors with “Hire Free” if you decide a top-three reply, you appropriately rank that reply (double factors) and when the celeb visitor picks the identical reply as you (triple factors).

On high of incomes factors, the ten top-scoring gamers will win free lease for a month (as much as $2,500). The subsequent 600 top-scoring members will get Bilt factors. If you happen to tie, the tie will probably be damaged by who performed first.

Associated: Bilt 2.0 transition questions answered: What it is advisable know

Bilt Rewards elite standing tiers

Bilt gives 4 standing tiers: Blue, Silver, Gold and Platinum.

You may attain Bilt elite standing in two methods: incomes Bilt factors and receiving fast-track standing by way of spending in your Bilt card and throughout the Bilt ecosystem.

Whilst you will not earn fast-track standing on lease and mortgage funds, you possibly can earn standing by way of:

• Bilt Eating restaurant purchases made with any card linked to your Bilt Pockets
• Health lessons booked by way of Bilt
• Lyft rides when Bilt is ready as your rewards accomplice
• Nonhousing spending in your Bilt card
• Purchases made within the Bilt Journey portal
• Walgreens spending with any card linked to your Bilt account

Each Bilt Rewards member begins within the Blue tier.

Here is a fast overview.

Your member standing relies on the full factors earned in a calendar yr. You will obtain the upper of the 2 statuses by way of qualifying factors or by way of spending on the fast-track path.

You will not earn Bilt factors towards standing by way of referrals, courtesy factors, factors from member surveys or incremental marketing campaign bonus factors.

Irrespective of if you earn standing in a calendar yr, it is good for the remainder of that yr and the next yr.

Bilt Platinum members can apply for an Air France-KLM Flying Blue standing match

Bilt Platinum members can obtain 12 months of Flying Blue Gold standing.

To activate this standing match, members should go to the Bilt app and choose “Elite Standing Match.” Then, members should switch 10,000 Bilt factors to Flying Blue to formally activate their Gold standing. Fortunately, these 10,000 factors can be utilized towards a future Air France or KLM award flight.

Flying Blue Gold standing will give Bilt members further airline perks and qualify them for SkyTeam Elite Plus standing, which incorporates advantages on different SkyTeam airways, comparable to Delta Air Strains.

Be taught extra about particular Flying Blue Gold standing perks on Flying Blue’s tier advantages web page and the added advantages of getting SkyTeam Elite Plus standing on SkyTeam’s FAQ web page.

Associated: The right way to earn ‘curiosity’ in your factors stability with Bilt Rewards

The right way to use Bilt factors: Greatest-value choice

The Bilt Rewards loyalty program offers you some ways to make use of your factors, however not each methodology carries equal worth.

Let’s begin with the easiest way so that you can redeem your Bilt factors. Nothing beats the outsize worth of transferring your factors to Bilt’s airline and resort companions.

Switch your Bilt factors to journey companions

Becoming a member of these loyalty applications is free, even in case you’ve by no means flown with the airline or stayed with the resort model.

By transferring your Bilt factors to the suitable applications, you possibly can simply get 2.2 cents per level in worth (in response to TPG’s valuations) — and maybe rather more — and rating a lie-flat airplane seat or an opulent resort keep.

***TPG has not but examined transferring Bilt factors to those applications.

Greatest-value switch companions

Bilt Rewards companions with a few of our favourite airline and resort loyalty applications, together with Air Canada Aeroplan, Air France-KLM Flying Blue, Atmos Rewards and World of Hyatt.

These applications have largely stored customary award charts for award flights and resort nights, that means you may pay a predictable charge and might usually get outsize worth out of your factors.

One in all my favourite methods to redeem Bilt factors is transferring them to Atmos Rewards to e book short-haul home American Airways flights for 4,500 to six,000 factors one-way.

Switch bonuses

Bilt Rewards has traditionally provided a few of the greatest switch bonuses we have seen throughout Hire Day (the primary of each month).

These have included 150% switch bonuses to some applications, comparable to Emirates Skywards, and a 100% switch bonus to Flying Blue (gives now not out there).

Associated: One of the best airline award chart candy spots

The right way to use Bilt factors: Medium-value choices

The next redemption choices provide respectable worth, with a redemption charge of at the very least 1 cent per level.

Use your factors to avoid wasting up for a down cost on a house

Bilt gives the distinctive capability for customers to avoid wasting up their factors towards a down cost on a house.

If you happen to go for this route, your Bilt factors are valued at 1.5 cents every towards a down cost. This implies 10,000 Bilt factors are value $150 towards your down cost.

Redeem for journey on the Bilt Journey portal

You should use the Bilt Journey portal to offset the price of flights, stays, rental vehicles and actions at a charge of 1.25 cents per level.

The right way to use Bilt factors: Decrease-value choices

If you wish to extract most worth out of your Bilt Rewards factors, you may possible need to keep away from a few of these much less helpful redemption choices.

Purchase reward playing cards

Bilt factors are value about 0.7 cents every when redeemed for reward playing cards, so we do not sometimes suggest this selection.

Use factors for Amazon purchases

You may choose your Bilt card on Amazon as a cost methodology and redeem your factors to cowl all or a portion of your buy at checkout. Nevertheless, Bilt factors are value 0.7 cents every when used this manner.

For instance, you may want roughly 14,300 Bilt factors to cowl a $100 Amazon buy. Evaluate that to TPG’s valuation of two.2 cents per Bilt level, and it isn’t essentially the perfect deal if you wish to maximize your factors.

Redeem for Lyft rides

Whereas Bilt Rewards members can use their factors for Lyft rides, the usual redemption charge is about 0.7 cents per level, so this is not a advisable redemption choice.

Store the Residence Design Assortment

The Bilt Residence Design Assortment is a curated record of things, together with artwork, house decor and attire.

The worth per level will range, nevertheless it not often exceeds greater than 1 cent per level.

Redeem your factors for health lessons

Health fans can redeem their Bilt factors to attend name-brand lessons like these out there by way of Pure Barre, SoulCycle and Y7. The worth will rely on the category you choose, nevertheless it hovers round 1 cent per level.

Redeem your factors for housing funds

A doubtlessly attractive choice along with your factors is to avoid wasting them to assist cowl your subsequent lease cost. Nevertheless, the redemption worth is simply 0.55 cents per level, so this isn’t the best-value alternative.

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What’s Bilt Money?

Bilt Money is a completely separate rewards foreign money from Bilt factors and can be utilized for sure purchases and upgrades throughout the Bilt ecosystem.

The right way to earn Bilt Money

If you happen to select the Versatile Bilt Money housing rewards choice, you may earn 4% Bilt Money on all on a regular basis purchases made with the Bilt Blue, Bilt Obsidian or Bilt Palladium.

Bilt Money can be included in all three of the Bilt playing cards’ welcome gives:

• Bilt Blue: Earn $100 in Bilt Money if you apply and are authorized.
• Bilt Obsidian: Earn $200 in Bilt Money if you apply and are authorized.
• Bilt Palladium: Earn 50,000 bonus factors and Bilt Gold standing (by way of the remainder of the calendar yr by which it was earned and the next calendar yr) after spending $4,000 on non-housing 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.

The Bilt Palladium supplies $200 in Bilt Money every calendar yr as a working card profit. As much as $100 of Bilt Money earned rolls over to the following yr.

No matter whether or not or not you might have a Bilt card, you may earn $50 in Bilt Money for each 25,000 Bilt factors earned towards elite standing.

Associated: What’s Bilt Money? The right way to earn and redeem this new reward foreign money

Redeem Bilt Money for greater on a regular basis spending incomes charges on Obsidian and Palladium

When you’ve got the Bilt Obsidian or Bilt Palladium, you possibly can redeem $200 in Bilt Money to obtain a degree accelerator on on a regular basis spending.

You will earn 1 further level per greenback spent on all on a regular basis purchases for the following $5,000 in spending after you activate. This can be utilized for as much as 5 activations per yr, and expires after $5,000 in spending or on the finish of the yr.

This successfully boosts the Bilt Palladium to a card that earns 3 factors per greenback on on a regular basis spending. It additionally means the Bilt Obsidian earns 4 factors per greenback spent on both eating or grocery (on as much as $25,000 per yr), 3 factors per greenback spent on journey, and a pair of factors per greenback spent on on a regular basis purchases.

It is a incredible use of Bilt Money when you have both of these playing cards, and you’ll apply the purpose accelerator as quickly as you get the cardboard, since each playing cards present at the very least $200 in Bilt Money if you’re authorized.

Redeem Bilt Money for elevated switch bonuses

You can too redeem Bilt Money to unlock one greater standing tier on Hire Day switch bonuses.

It is a strong choice if an particularly profitable switch bonus comes throughout your radar, and you are not a top-tier Bilt standing holder. As an illustration, in case you’re a Gold member, you possibly can unlock a Platinum-level bonus by redeeming Bilt Money.

Bilt supplied an instance price of $75 to unlock a better standing tier for switch bonuses, however labeled that that is topic to vary.

Different Bilt Money redemption choices

There are an enormous variety of different redemption choices on your Bilt Money, together with health credit, resort stays booked by way of the Bilt Journey portal, Lyft credit, Blade helicopter rides and extra.

To study extra, learn our full article on tips on how to redeem Bilt Money.

Often requested questions

Do the Bilt playing cards cost a price to pay lease or mortgage?

No, you’ll not pay a transaction price if you use the Bilt Blue, Bilt Obsidian or Bilt Palladium to make lease or mortgage funds.

Nevertheless, you’ll have to put some nonhousing spending in your card to obtain factors for these purchases, as outlined within the part on “Incomes Bilt factors on lease and mortgage funds.”

Can you employ Bilt with no Bilt bank card?

Sure. You don’t have to carry a Bilt card to enroll in Bilt Rewards and earn Bilt factors in this system.

Does my landlord/administration firm must have a partnership with Bilt?

No, you should utilize Bilt to pay lease even when your landlord doesn’t accomplice with this system.

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Backside line

There’s loads occurring with Bilt Rewards, which generally is a good factor in case you’re able to go all-in on this system — however may be a detractor for vacationers searching for one thing simpler.

There’s a number of worth to be discovered within the Bilt program, particularly since you do not have to have a Bilt card or use Bilt on your housing bills to earn factors. The one factor it’s important to do to earn Bilt factors with companions is open a free account and hyperlink eligible playing cards.

After all, if you wish to maximize your Bilt Rewards expertise and incomes and redemption choices, including a Bilt card, selecting the perfect housing rewards incomes construction and dealing towards elite standing is the perfect choice.

With such helpful rewards on the desk, Bilt Rewards is value a search for many vacationers.

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