#5 Among Transferable Points
Point Value
1.50 ¢
Hobby Score
6.0
Bilt Rewards are quickly becoming valuable in the points and miles world, but only if you’re a renter.
Note: Bilt has announced a major refresh to the Bilt Mastercard coming in February 2026. Applications are paused until then. Two new cards are also planned, and Bilt has confirmed mortgage payments will also earn points. We will update this page as details are released.
You can join Bilt Rewards for free and earn points on rent if your property is in the Bilt Alliance Network of more than 2 million units in the United States. Paying rent through the Bilt app or website earns 250 points per payment, once per month.
To maximize earnings, open the Bilt Mastercard. With it, you earn:
You can still earn 1x points on rent even if your landlord does not accept credit cards. Bilt will send payment by check or ACH at no extra cost.
Remember: you must make at least five purchases per month with your Bilt Mastercard to earn any points, so do not use it only for rent.
Using Bilt’s transfer partners is the best way to get maximum value for your Bilt points. That’s always where we recommend starting, so be sure to check out our sweet spots for Bilt partners. Bilt also has a travel portal that can offer decent redemptions, and it has one other unique option worth mentioning.
You can book travel through the Bilt Travel Portal at a value of 1.25 cents per point. It’s not the best redemption, but it’s not bad either. This wouldn’t be our first choice because Bilt’s transfer partners offer better value, but booking travel that isn’t possible with transferable miles, like rental cars or cruises, can be a good use of points when you’d rather not pay cash.
You can use Bilt points toward a down payment on a home purchase at a 1.5 cent per point rate. This can only be done in the United States and only once per home purchase. It wouldn’t be our first choice, but it’s a unique option worth mentioning.
These redemptions offer poor value compared to transferring to partners, so we don’t recommend using Bilt points this way.
Look at the chart below to find the best sweet spots for this airline. Use the filters to find the optimal Sweet Spot for your trip and points.
Max. Point Value 1.50 ¢
Do Points Expire? Yes
Transfer To Spouse/Partner No
Transfer To Friends No
You load your points. We’ll show you valuation and transfer options.
Add My Points
Outside Point System Bilt Rewards
1:1 33% value retained
1:1 113% value retained
1:1 87% value retained
1:1 100% value retained
1:1 73% value retained
1:1 80% value retained
1:1 80% value retained
1:1 40% value retained
1:1 47% value retained
1:1 87% value retained
1:1 87% value retained
1:1 87% value retained
1:1 93% value retained
1:1 80% value retained
1:1 93% value retained
1:1 67% value retained
1:1 80% value retained
1:1 0% value retained
1:1 0% value retained
Bilt Rewards are quickly becoming valuable in the points and miles world, but only if you’re a renter.
Note: Bilt has announced a major refresh to the Bilt Mastercard coming in February 2026. Applications are paused until then. Two new cards are also planned, and Bilt has confirmed mortgage payments will earn points. We will update this page as details are released.
You can join the Bilt Rewards program for free and earn points on your rent payments as long as your property is in the Bilt Alliance Network (2 million units in the US are part of their network). If you join and pay rent through the app or website, you will earn 250 points per rent payment, once per month.
If you want to supercharge your points earning with Bilt, though, you will have to open the Bilt Mastercard. Once you do this, you will earn 1x points on your monthly rent payments (up to 100,000 per year), 3x points on dining (up to 5x if you dine at a Bilt Neighborhood Dining Partner), 5x points on Lyft rides, and 2x points on travel purchases. Regarding rent, the thing that makes Bilt unique is that even if your landlord doesn’t accept credit cards (or charges a fee to pay with one), you can pay rent via check or ACH and still earn 1x points for doing so.
Note that you will have to use your card for five purchases every month to earn points, so don’t just use it for your monthly rent payments.
Using Bilt’s transfer partners is the best way to get maximum value for your Bilt points. That’s always where we recommend starting, so be sure to check out our sweet spots for Bilt partners. Bilt also has a travel portal that can offer decent redemptions, and it has one other unique option worth mentioning.
You can book travel through the Bilt Travel Portal at a value of 1.25 cents per point. It’s not the best redemption, but it’s not bad either. This wouldn’t be our first choice because Bilt’s transfer partners offer better value, but booking travel that isn’t possible with transferable miles, like rental cars or cruises, can be a good use of points when you’d rather not pay cash.
You can use Bilt points toward a down payment on a home purchase at a 1.5 cent per point rate. This can only be done in the United States and only once per home purchase. It wouldn’t be our first choice, but it’s a unique option worth mentioning.
These redemptions offer poor value compared to transferring to partners, so we don’t recommend using Bilt points this way.
You won’t lose your Bilt points if you cancel the Bilt Mastercard, but you won’t be able to transfer those points to partners without the card. Since that’s where most of the value comes from, and because the card has no annual fee, we see no reason to cancel it, especially if you still have points.
If you’ve bought a house and no longer use the card because you’re not paying rent, keep in mind that the card is being updated in February 2026. Bilt is also introducing two new cards and adding the ability to earn points by paying your mortgage. For those reasons, we suggest holding onto the card for now.
