pointstopictures Imagine this…You’re paying your rent—your biggest monthly expense—and getting absolutely nothing in return. No rewards, no perks, no travel points. Now imagine swiping your card, paying the same rent, and instantly earning points you can use for free flights, hotel stays, and even a down payment on a home. Sounds too good to be true? That’s exactly what Bilt Rewards offers. This Bilt Rewards review will tell you everything you need to know about the program.
For renters who thought they were missing out on rewards, Bilt has changed the game. It’s the only program that lets you earn points on rent without transaction fees, while also giving you elite travel perks, dining benefits, rideshare rewards, and VIP fitness experiences—all with no annual fee.
With a growing list of high-value airline and hotel transfer partners, frequent bonus opportunities, and a simple but rewarding earning structure, Bilt is quickly becoming one of the most valuable rewards programs in the market. Whether you’re a frequent traveler looking to maximize free flights and hotel stays or someone who just wants to turn everyday expenses into meaningful rewards, Bilt makes it effortless.
Key Highlights of Bilt Rewards
- Earn points on rent payments with no transaction fees (a first in the industry!)
- Use points for flights, hotels, dining, fitness, and even home buying
- Transfer points at a 1:1 ratio to 18 major airline and hotel loyalty programs
- Elite status benefits that unlock even more rewards
- No annual fee for the Bilt Mastercard, making it one of the most rewarding no-fee credit cards available
- High-value promotions on “Rent Day” (the first of each month), including transfer bonuses and exclusive deals
Bilt Rewards Elite Status Tiers
Bilt Rewards offers four elite status tiers that provide increasing benefits based on your points earned or total spending. Elite members receive additional perks such as bonus points on lease renewals, higher redemption rates, and travel benefits.
How to Qualify for Bilt Elite Status
You can achieve Bilt Elite Status in two ways:
- Earning Bilt Points throughout the calendar year.
- Fast-tracking status by spending a certain amount with the Bilt Mastercard or within the Bilt ecosystem.
Your status is valid for the remainder of the current year and the following calendar year once achieved.
Bilt Rewards Status Levels
| Tier | Points Required | Spending Requirement | Key Benefits |
|---|---|---|---|
| Blue | Automatic for all members | None | Earn & redeem Bilt points |
| Silver | 50,000 points | $10,000 spent | Earn interest on points, 10% bonus points on lease renewals |
| Gold | 125,000 points | $25,000 spent | Homeownership concierge, 25% bonus points on lease renewals |
| Platinum | 200,000 points | $50,000 spent | 50% bonus points on lease renewals, free BLADE flight, travel partner status match |
Exclusive Benefits by Tier
- Silver Status: Earns interest on your points at the FDIC-published national savings rate and gets a 10% bonus on lease renewal points.
- Gold Status: Unlocks a homeownership concierge service and earns 25% extra points on lease renewals.
- Platinum Status: The highest level of Bilt Rewards, offering a 50% bonus on lease renewals, a complimentary BLADE flight, and a status match to Flying Blue Gold (Air France-KLM).
Why Bilt Elite Status Matters
Higher status tiers mean more value from your Bilt points. Whether you’re saving for travel, a home, or everyday rewards, earning elite status can significantly boost your earning potential.
Different Ways to Earn Bilt Points
Earn Bilt Points with the Bilt Mastercard
If you want to supercharge your earning, you should consider getting the Bilt Mastercard. It offers
- 3 points per dollar spent on dining
- 2 points per dollar spent on travel
- 1 point per dollar spent on rent payments (up to 100,000 points per calendar year)
- 1 point per dollar spent on other purchases
You must use your card at least five times during each statement period to earn points.
Earn Points on Travel Bookings
You can earn more points through Bilt’s travel portal when you book flights, hotel stays, car rentals, and activities. Here is how much you earn:
- 4X points per dollar when using the Bilt Mastercard (2X points for travel booked through the portal + 2X points for charging the purchase to the card)
- 1X point per dollar spent (if you don’t use the Mastercard)
Earn More Points on Dining
Bilt rewards gives you up to 5X points per dollar at partner restaurants when you pay with the Bilt Mastercard, plus 2X points when using any linked card. This is on top of your regular credit card rewards, meaning you double-dip on points!
Examples of participating restaurants:
- Lilia (Brooklyn, NY) – +2X points
- Meduza Mediterrania (NYC) – +2X points
- American Bar (NYC) – +2X points
Earn More on Rideshare
- 2X points per dollar on Lyft rides (just link your Bilt account!)
- 5X points when you use the Bilt Mastercard to pay for Lyft
Earn More on Travel
- 2X points on all travel purchases (hotels, flights, rental cars) with the Bilt Mastercard
- 4X points on travel booked through Bilt’s portal for Bilt cardholders
- Use points + cash to book trips, so you don’t have to wait until you have enough points
- Earn 2X points on BLADE flights, including helicopters and seaplanes
Bilt even gives Platinum members a free BLADE flight, making it a top-tier travel perk!
Earn Points by Referring Friends
You can earn 2,500 points per referral when you refer a friend to the Bilt Mastercard. You can refer friends through the Bilt website or app, up to 50 total referrals.
Earn Points on SoulCycle Classes
- Up to 10X points per dollar spent on SoulCycle classes when booked through the Bilt app.
Earn Points by Playing the Rent Free Game
Every Bilt Rent Day (the first of the month), you can play “Rent Free,” a game-show-style event where you can earn extra points. Top 10 players win free rent for a month (up to $2,500), while the next 600 top-scoring members receive additional Bilt points.
Spending reward points
Once you’ve earned Bilt points, you’ll want to redeem them in ways that maximize their value. Here’s how you can use your points effectively.
Transfer Points to Airline and Hotel Partners
The best way to maximize the value of your Bilt points is by transferring them to travel partners. Bilt has 18 airline and hotel loyalty partners, allowing you to redeem points for flights and hotel stays at a 1:1 transfer ratio in most cases.
| Loyalty Program | Transfer Ratio |
|---|---|
| United MileagePlus | 1:1 |
| Alaska Airlines Mileage Plan | 1:1 |
| Air Canada Aeroplan | 1:1 |
| British Airways Executive Club | 1:1 |
| Virgin Atlantic Flying Club | 1:1 |
| Turkish Airlines Miles&Smiles | 1:1 |
| Emirates Skywards | 1:1 |
| Cathay Pacific Asia Miles | 1:1 |
| Iberia Plus | 1:1 |
| Avianca LifeMiles | 1:1 |
| Air France-KLM Flying Blue | 1:1 |
| Aer Lingus AerClub | 1:1 |
| World of Hyatt | 1:1 |
| Marriott Bonvoy | 1:1 |
| Hilton Honors | 1:1 |
| IHG One Rewards | 1:1 |
| Accor Live Limitless | 3:2 |
Bilt regularly offers transfer bonuses on Rent Day (the first of each month), which allows you to get even more value when moving points to travel partners.
Redeem Points for Travel
If you prefer to book travel directly, you can use your points to book flights, hotels, rental cars, and activities through the Bilt travel portal at a value of 1.25 cents per point.
Use Points Toward Rent Payments
Bilt allows you to use points to cover rent payments, but at a lower redemption value of 0.55 cents per point. This isn’t the best value, but it’s an option if you prefer to lower your out-of-pocket rent cost.
Redeem Points for Amazon Purchases
You can use Bilt points to shop on Amazon, but at a reduced value of 0.7 cents per point. This is a convenient option, though transferring points for travel offers better value.
Pay for Fitness Classes
Bilt points can also be used to pay for workout classes at select fitness studios like SoulCycle, Solidcore, and Y7 Studio, typically at 1 cent per point.
Apply Points Toward a Down Payment
Bilt members can save points to use toward a home down payment, redeeming at 1.5 cents per point when purchasing a home through Bilt’s real estate partners.
Bilt regularly offers transfer bonuses on Rent Day (the first of each month), allowing you to get even more value when moving points to travel partners.
Other benefits of the Bilt Rewards program
Earn points with your FSA/HSA spending
You can link your HSA/FSA accounts and use Bilt to earn points on your purchases at Pharmacies such as Walgreens or CVS.
Build Credit for Free with Bilt Rewards
Rent payments usually don’t count toward your credit history, but with Bilt, they do! Bilt reports your on-time rent payments to all three major credit bureaus (Experian, Equifax, TransUnion), helping you build credit over time at no cost.
Exclusive Perks for Your Home
Beyond points and credit-building, Bilt members also get access to home-related rewards, including discounts on home decor, special leasing incentives, and even the option to save points toward a down payment on a home.
VIP Perks in Your Neighborhood
Your city is full of opportunities to earn extra points and get exclusive benefits just for being a Bilt member.
Free Perks at Fitness Studios
Bilt isn’t just about points—you also get VIP treatment at top fitness studios when you book through Bilt. Enjoy perks like:
- SoulCycle – Free shoe rental & bottled water
- CycleBar – Complimentary shoe rental
- Y7 Studio – Free yoga mat & towel rental
Travel Like a Pro With Bilt Rewards
One of the best things about Bilt Rewards is how valuable your points are when it comes to travel. If you love flying in first class for free or staying at luxury hotels on points, Bilt Rewards makes it easy.
Transfer Points to the Best Travel Partners
Unlike many rewards programs with limited partners, Bilt lets you transfer points at a 1:1 ratio to 18 top airlines and hotel programs, including:
Airlines: United MileagePlus, Alaska Airlines, Air Canada Aeroplan, British Airways, Emirates, Turkish Airlines, Virgin Atlantic, and more.
Hotels: World of Hyatt, Marriott Bonvoy, Hilton Honors, and IHG One Rewards.
With frequent transfer bonuses, you can stretch your points even further and book premium flights and hotel stays for a fraction of the cost.
Unlock Even More With the Bilt Mastercard
The Bilt Mastercard is one of the best no-annual-fee travel cards on the market, giving you incredible earning potential and benefits, including:
- No fees on rent payments
- 5X points on dining at partner restaurants
- 3X points on all dining purchases
- 2X points on travel
- 1X points on everything else
- 5X points on Lyft rides (when linked to Bilt)
It also includes travel protections like trip cancellation insurance, no foreign transaction fees, and complimentary cell phone protection.
Why You Should Sign Up for Bilt Rewards Today
Bilt Rewards is hands-down one of the most valuable loyalty programs out there, especially if you’re a renter.
With no annual fee, tons of ways to earn points, and high-value travel redemptions, it’s an easy way to get rewarded for your everyday spending. Plus, the Bilt Mastercard makes it effortless to maximize your points on rent, dining, travel, and more.
