When you’re in search of a loyalty program best for renters, Bilt Rewards is a strong possibility. As a member, you may earn Bilt Factors whenever you pay hire and make your common on a regular basis purchases. The factors you earn may be redeemed for journey by loyalty companions, hire or future down funds, health courses and extra.
Plus, there aren’t any transaction charges (see charges and costs) on hire funds whenever you use the Bilt Mastercard® (see charges and costs). You’ll be able to earn as much as 100,000 factors on hire per calendar yr.
This card is a powerhouse for renters, who can earn beneficial Bilt factors on their hire funds with no transaction payment. It’s essential to make no less than 5 transactions on the cardboard each assertion interval to earn factors (see rewards and advantages).
Whereas we love this card, you needn’t have it to earn and redeem factors within the Bilt Rewards program.
TPG’s August 2025 valuations place Bilt factors at 2.2 cents apiece, although there are many methods to get extra worth from them. Let’s delve into all the small print of the Bilt Rewards loyalty program and discover methods to earn and redeem factors for optimum worth.
What’s Bilt Rewards?
Bilt Rewards is a loyalty program that allows you to earn factors to redeem towards journey, Amazon purchases, dwelling decor, health courses and extra. You’ll be able to earn Bilt factors by merely changing into a member, linking a qualifying card to your Bilt Rewards account and transacting with Bilt companions.
Maybe most notably, you may earn Bilt factors by paying your hire. With the Bilt Mastercard, you may earn as much as 100,000 factors every calendar yr on hire with no transaction payment (see charges and costs).
How do you earn Bilt Rewards factors?
You do not essentially must have the Bilt Mastercard or pay hire to earn Bilt factors. There are 9 major methods to earn Bilt factors.
Incomes Bilt factors by paying hire
You’ll be able to earn 1 level per greenback spent on hire at any dwelling (as much as 100,000 factors per calendar yr) by paying your hire with the Bilt Mastercard.
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You’ll be able to pay your hire together with your Bilt Mastercard by the Bilt app, but when your landlord solely accepts bodily checks, do not fret. You’ll be able to nonetheless pay your hire with the Bilt Mastercard on the app, after which Bilt will mail your landlord a hire examine every month, permitting you to earn factors on hire with out incurring any further transaction charges (see charges and costs). If relevant, you can even course of funds by Venmo and your landlord’s on-line hire portal.
As of April 2025, now you can use a bank card that is not a Bilt Mastercard to pay hire, although it is probably not the most suitable choice. When you use a Visa, Uncover or Mastercard, you may earn 1 Bilt level per greenback spent on hire. Utilizing an American Categorical card, you may earn 1 Bilt level for each $2 spent. Nonetheless, you may incur a 3% transaction payment with this selection.
Incomes Bilt factors with the Bilt Mastercard
Talking of the Bilt Mastercard, it provides a easy incomes construction:
- 5 factors per greenback spent with Bilt Eating companions and Lyft, when you hyperlink your Bilt and Lyft accounts and pay with the Bilt Mastercard
- 3 factors per greenback spent on eating
- 2 factors per greenback spent on journey booked straight with the supplier or by the Bilt journey portal, and on Walgreens purchases and prescriptions
- 1 level per greenback spent on hire funds (as much as 100,000 factors per calendar yr) and all different purchases
It’s essential to use your card no less than 5 instances throughout every assertion interval to earn factors.
This no-annual-fee card (see charges and costs) provides spectacular perks, together with an Auto Rental Collision Injury Waiver, Journey Cancellation and Interruption Safety and No Overseas Transaction Charges (see charges and costs).
You do not want to pay hire to use for the Bilt Mastercard.
Associated: Must you pay your hire with Bilt? We crunch the numbers
Incomes Bilt factors by Bilt Eating
Bilt additionally has its personal eating rewards program referred to as Bilt Eating.
You’ll be able to hyperlink any Visa, Mastercard or American Categorical bank card to the Bilt Eating program to earn as much as 3 factors per greenback spent at Bilt Eating eating places whenever you pay with any eligible card in your Bilt Pockets.
These earnings come along with what you earn together with your bank card. For instance, should you pay together with your Bilt Mastercard, you may earn 3 further factors per greenback spent*, for a complete of as much as 6 Bilt factors per greenback spent. Put otherwise, that is a 13.2% return in your eating purchases, in line with TPG’s August 2025 valuations.
Bilt states you could earn as much as 10 factors per greenback spent on consuming at a Bilt Eating restaurant and paying with any eligible card on file in your Bilt Pockets. Plus, there isn’t a cap on what number of factors you may earn by Bilt Eating.
Incomes Bilt factors on the Bilt journey portal
Expedia powers Bilt’s journey portal, the place you may earn factors on flights, lodge stays, automobile leases and issues to do. As a Bilt member, you earn 1 level per greenback spent on journey booked by the portal.
As a Bilt Mastercard holder, you earn 2 factors per greenback spent on journey booked by the portal and a pair of further factors per greenback by charging your buy to the cardboard*, for a complete of 4 Bilt factors per greenback spent.
Incomes Bilt factors with referrals
You may earn 2,500 factors every time you refer a buddy to the Bilt Mastercard, on as much as 50 whole referrals. For each 5 referrals, you earn 10,000 bonus factors. You’ll be able to refer pals to the cardboard by the web site or app.
Incomes Bilt factors with Lyft
You’ll be able to earn 2 Bilt factors per greenback spent on Lyft rides whenever you hyperlink your accounts. While you pay on your experience with the Bilt Mastercard*, you may additionally obtain an extra 3 Bilt factors per greenback spent.
Incomes Bilt factors with health studios
You’ll be able to earn as much as 10 factors per greenback spent on health courses booked by the Bilt app.
These studios embrace SoulCycle, Pure Barre, Barry’s and Rumble Boxing.
Incomes Bilt factors by taking part in the ‘Lease Free’ recreation
Bilt provides a recreation show-style alternative for members to earn additional factors on Bilt Lease Day (the primary of the month): “Lease Free.”
“Lease Free” is about up like “Household Feud,” with a brand new creator or persona taking part in the sport every month. As a Bilt member, you may earn factors with “Lease Free” whenever you decide a top-three reply, you accurately rank that reply (double factors) and the superstar visitor picks the identical reply as you (triple factors).
On prime of incomes factors, the highest 10-scoring gamers will win free hire for a month (as much as $2,500). The following 600 top-scoring members will get Bilt factors. When you tie, the tie will likely be damaged primarily based on who performed the sport first.
Incomes Bilt factors on dwelling shopping for
In 2024, Bilt launched a brand new solution to earn factors: dwelling shopping for. The loyalty program partnered with eXp Realty, and whenever you work with an eXp agent, Bilt members will earn 1 level for each $2 of a house buy value. For instance, if you buy a house for $500,000 utilizing an eXp Realty agent, you might earn as much as 250,000 Bilt factors. In accordance with TPG’s August 2025 valuations, these factors can be price $5,500.
*It’s essential to use your card no less than 5 instances throughout every assertion interval to earn factors.
Associated: Bilt Rewards: 3 new playing cards, factors on mortgage funds coming quickly
Bilt Rewards elite standing tiers
Bilt provides 4 standing tiers. You’ll be able to attain Bilt elite standing in two methods: incomes Bilt factors and receiving fast-track standing by spending on the Bilt Mastercard and throughout the Bilt ecosystem.
When you will not earn fast-track standing on hire spending, you may earn it by SoulCycle courses booked within the Bilt app, Bilt Eating restaurant purchases made with any card linked in your Bilt Pockets, Lyft rides when Bilt is about as your rewards associate and bookings made by way of Bilt’s journey portal.
Each member of Bilt Rewards begins within the Blue tier.
This is a fast overview.
| Blue | Silver | Gold | Platinum | |
|---|---|---|---|---|
| Choice 1: Bilt factors qualification | All Bilt Rewards members | 50,000 factors | 125,000 factors | 200,000 factors |
| Choice 2: Quick observe with spending | All Bilt Rewards members | $10,000 spent | $25,000 spent | $50,000 spent |
| Earn curiosity in your factors (at the Federal Deposit Insurance coverage Corp.-published nationwide financial savings fee) | ✓ | ✓ | ✓ | |
| Blade advantages | ✓ | ✓ | ✓ (together with a complimentary Blade flight) | |
| Entry to complimentary homeownership concierge | ✓ | ✓ | ||
| Lease Day switch bonuses | Larger switch bonuses | Gold-level switch bonuses | Platinum-level switch bonuses |
Your member standing is predicated on the full factors earned in a calendar yr. You may obtain the upper of the 2 statuses by qualifying factors or by way of spending on the fast-track standing path.
Irrespective of whenever you earn standing every calendar yr, it is good for the remainder of the 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.
After requesting standing, it could take as much as three enterprise days on your Flying Blue Gold standing to develop into formally lively.
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 like Delta Air Traces.
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 FAQs web page.
Associated: The way to earn ‘curiosity’ in your factors stability with Bilt Rewards
The way to use Bilt factors: Greatest-value possibility
The Bilt Rewards loyalty program offers you some ways to make use of your factors, although not all carry equal worth.
Let’s begin with one of the simplest ways so that you can redeem your Bilt factors. Nothing beats the outsize worth of transferring your factors to Bilt’s 20 airline and lodge companions.
Switch your Bilt factors to journey companions
Becoming a member of these loyalty applications is free, even should you’ve by no means flown the airline or stayed with the lodge model.
By transferring your Bilt factors to the suitable applications, you may simply get 2.2 cents per level in worth — and maybe way more — and rating a lie-flat airplane seat or an expensive lodge keep.
| Program | Switch ratio | Switch time |
|---|---|---|
| ALL — Accor Dwell Limitless | 3:2 | ** |
| Aer Lingus AerClub | 1:1 | Inside minutes |
| Air Canada Aeroplan | 1:1 | Inside 24 hours |
| Air France-KLM Flying Blue | 1:1 | Inside minutes |
| Atmos Rewards (Alaska Airways and Hawaiian Airways) | 1:1 | Inside minutes |
| Avianca LifeMiles | 1:1 | As much as 72 hours |
| British Airways Membership | 1:1 | Inside minutes |
| Cathay Pacific Cathay | 1:1 | Inside minutes |
| Emirates Skywards | 1:1 | Inside minutes |
| Hilton Honors | 1:1 | Inside minutes |
| Iberia Membership | 1:1 | Inside minutes |
| IHG One Rewards | 1:1 | Inside minutes |
| Japan Airways Mileage Financial institution | 1:1 | ** |
| Marriott Bonvoy | 1:1, with 5,000 bonus factors for each 20,000 factors you switch in a single switch | Inside 48 hours |
| Miles&Smiles (Turkish Airways) | 1:1 | Inside minutes |
| Qatar Airways Privilege Membership | 1:1 | Inside minutes |
| Southwest Fast Rewards | 1:1 | ** |
| TAP Miles&Go | 1:1 | ** |
| United MileagePlus | 1:1 | Inside minutes |
| Virgin Atlantic Flying Membership | 1:1 | Inside minutes |
| World of Hyatt | 1:1 | Inside minutes |
**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 lodge loyalty applications, together with Atmos Rewards, Air Canada Aeroplan, Air France-KLM Flying Blue, Virgin Atlantic Flying Membership and World of Hyatt. These applications have largely saved customary award charts for award flights and lodge nights, that means you may pay a predictable fee and might usually get outsize worth out of your factors.
Switch bonuses
Bilt Rewards has traditionally provided a number of the greatest switch bonuses we have seen throughout Lease Day (the primary of each month).
These have included 150% switch bonuses to some carriers, resembling Emirates Skywards, and as much as a 100% switch bonus to Alaska Airways Mileage Plan (now Atmos Rewards) for July 2024 Lease Day. Moreover, Bilt has beforehand provided a 100% switch bonus to Flying Blue.
Associated: 7 of the very best airline award chart candy spots
The way to use Bilt factors: Medium-value choices
The next redemption choices will get you first rate worth with a redemption fee of no less than 1 cent per level.
Use your factors to avoid wasting up for a down cost on a house
Bilt provides the distinctive potential for customers to avoid wasting up their factors towards a down cost on a house.
When you 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 price $150 towards your down cost.
Redeem for journey on the Bilt journey portal
You need to use the Bilt journey portal to offset the price of flights, stays, rental automobiles and actions at a fee of 1.25 cents per level.
The way to use Bilt factors: Poor-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 beneficial redemption choices.
Use factors for Amazon purchases
You’ll be able to choose your Bilt Mastercard on Amazon as a cost methodology and redeem your factors to cowl all or a portion of your buy at checkout. Nonetheless, Bilt factors are price 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 August 2025 valuation of two.2 cents per Bilt level, and it isn’t essentially the very best deal.
Store the Bilt Assortment
The Bilt Assortment is a curated record of things, together with artwork, dwelling decor and attire. The worth per level will range, however because it hardly ever exceeds greater than 1 cent per level, you need to possible go on this selection.
Redeem your factors for health courses
Health fanatics can redeem their Bilt factors to attend name-brand courses like these out there by SoulCycle, Solidcore and Y7 Studio. The worth will depend upon the category you choose, but it surely hovers round 1 cent per level.
Redeem your factors for hire
A doubtlessly engaging possibility together with your factors is to avoid wasting them to assist cowl your subsequent hire cost. Nonetheless, the redemption worth is simply 0.55 cents per level.
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Continuously requested questions
Does the Bilt Mastercard cost a payment to pay hire?
No, the Bilt Mastercard doesn’t cost a transaction payment (see charges and costs) whenever you use it to pay hire by Bilt Rewards. Nonetheless, you may solely earn 100,000 factors on hire every calendar yr, and you have to make no less than 5 transactions with the cardboard in every assertion interval to earn factors.
Can you employ Bilt with out the Bilt Mastercard?
Sure. You shouldn’t have to carry the Bilt Mastercard 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 use Bilt to pay hire even when your landlord doesn’t associate with this system.
What are Bilt factors price?
TPG’s August 2025 valuations deem Bilt factors as price 2.2 cents per level. Relying on the way you redeem your factors, nevertheless, you might get a a lot greater or decrease worth for them.
Is the Bilt Mastercard price it?
The Bilt Mastercard may very well be price it if you wish to earn factors on hire with out incurring a transaction payment (see charges and costs). The cardboard additionally options common bonus classes and may very well be an incredible possibility should you discover worth in this system’s switch companions.
Nonetheless, the cardboard does not function a conventional welcome bonus, and a few options aren’t as helpful should you dwell in a much less populated space. So, as with all choice, you need to think about what you need in a card earlier than you apply.
Associated: Bilt Mastercard assessment: No-transaction-fee hire funds
Backside line
Bilt Rewards presents an distinctive worth proposition for each renters and nonrenters. Bilt has established partnerships with a number of the extra profitable airline and lodge loyalty applications, enabling you to extract extraordinary worth out of your factors. Your factors switch seamlessly at a simple 1:1 ratio (besides when transferring to Accor Dwell Limitless), and most applications course of the transfers immediately.
Even should you aren’t renting or do not need to apply for the Bilt Mastercard, you may earn a lot of factors by linking your Lyft account, enrolling in Bilt Eating and reserving journey by the Bilt portal.
See Bilt Mastercard charges and costs right here.
See Bilt Mastercard rewards and advantages right here.
