#4 Among Transferable Points
Point Value
1.60 ¢
Hobby Score
7.7
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.
Discover your points' highest-value redemption options. Use the filters to find the optimal sweet spot for your next trip.
Bilt uses Points.me, a points consolidator, to search for award availability across all partners. It's a great starting point to see what's available
Bilt is made for renters, though big changes are coming in February 2026 that suggest this is expanding. Bilt has confirmed that customers will also be able to earn points by paying their mortgage. No firm details have been announced yet on how this will work.
If you are a renter, we can’t see a reason not to join Bilt and open the Bilt Mastercard. It offers rewards you can redeem for free travel with high-value transfer partners, all for paying your monthly rent. There’s no real comparison because no other option makes earning rewards on rent as seamless or as valuable as Bilt.
New applications for the Bilt Mastercard are currently paused as they prepare to relaunch the card in February 2026. They will also introduce two new cards to add to the program. We’ll update this page as details emerge.
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.
