Bilt Rewards

The Highlights

Bilt Rewards are quickly becoming valuable in the points and miles world, but only if you’re a renter.

• Earn up to 100,000 points in rewards from your monthly rent payments by putting it on the Bilt Mastercard
• There is no annual fee or extra charge for doing this as Bilt acts as an intermediary and sends a check if your landlord doesn’t accept credit cards or charges a fee for using one
• You can then cash those points in for high value redemptions
• Bilt has an impressive array of transfer partners that rivals Chase and American Express, so you can turn that rent payment into free airfare and/or hotel stays pretty easily

What to Know About This Point System

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.

How to Redeem

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.

Bilt Travel Portal

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.

Down Payment

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.

What you shouldn’t do

These redemptions offer poor value compared to transferring to partners, so we don’t recommend using Bilt points this way.

• Student loan repayments: Redeem at 1 cent per point.
• Gift cards: Redeem at 0.7 cents per point at best.
• Cash back/statement credit: Redeem at 0.55 cents per point.
• Lyft rides: Apply points at checkout for 0.7 cents per point.
• Amazon: Redeem for 0.7 cents per point.

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