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Yearly, the TPG Awards honor excellence in bank cards, loyalty applications and journey. Please click here to learn extra about our winner choice course of and methodology for the 2024 TPG Awards.
When you’re searching for a loyalty program best for renters, Bilt Rewards is a stable choice. As a member, you may earn Bilt Factors whenever you pay lease and make your common on a regular basis purchases. The factors you earn might be redeemed for journey via loyalty companions, lease or future down funds, health courses, and extra.
Plus, there are not any transaction charges (see rates and fees) on lease funds whenever you use the Bilt Mastercard®. You possibly can earn as much as 100,000 factors on lease per calendar yr.
We’re celebrating the Bilt Mastercard (see rates and fees) for profitable the Finest No-Annual-Payment Journey Rewards Credit score Card award on the 2024 TPG Awards. This card is a powerhouse for renters, who can earn invaluable Bilt factors on their lease funds with no transaction price. You have to make no less than 5 transactions on the cardboard each assertion interval to earn factors (see rewards and benefits).
Whereas we love this card, you needn’t have it to earn and redeem factors within the Bilt Rewards program.
TPG’s Could 2025 valuations place Bilt factors at 2.05 cents apiece, although there are many methods to get extra worth from them. Let’s delve into all the main points of the Bilt Rewards loyalty program and discover find out how to earn and redeem factors for max worth.
What’s Bilt Rewards?
Bilt Rewards is a loyalty program that permits you to earn factors to redeem towards journey, Amazon purchases, house decor, health courses and extra. You possibly can 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’ll be able to earn Bilt factors by paying your lease. With the Bilt Mastercard, you’ll be able to earn factors on lease with no transaction price (see rates and fees).
How do you earn Bilt Rewards factors?
You do not essentially must have the Bilt Mastercard or pay lease to earn Bilt factors. There are 9 major methods to earn Bilt factors.
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1. Incomes Bilt factors by paying lease
You possibly can earn 1 level per greenback spent on lease at any house (as much as 100,000 factors per calendar yr) by paying your lease with the Bilt Mastercard.
You possibly can pay your lease along with your Bilt Mastercard via the Bilt app, but when your landlord solely accepts bodily checks, do not fret. You possibly can nonetheless pay your lease with the Bilt Mastercard on the app, after which Bilt will mail your landlord a lease verify every month, permitting you to earn factors on lease with out incurring any further transaction charges (see rates and fees). If relevant, you can even course of funds via Venmo and your landlord’s on-line lease portal.
As of April 2025, now you can use a bank card that is not a Bilt Mastercard to pay lease, although it will not be the most suitable choice. When you use a Visa, Uncover or Mastercard, you may earn 1 Bilt point per dollar spent on rent. Utilizing an American Categorical card, you may earn 1 Bilt level for each $2 spent. Nonetheless, you may incur a 3% transaction price with this route.
2. 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 immediately with the supplier or via the Bilt Journey Portal and on Walgreens purchases and prescriptions
- 1 level per greenback spent on lease funds (as much as 100,000 factors per calendar yr) and all different purchases
You have to use your card no less than 5 occasions throughout every assertion interval to earn factors.
This no-annual-fee card (see rates and fees) provides spectacular perks, together with an Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, and No Foreign Transaction Fees (see rates and fees).
You don’t want to pay lease to use for the Bilt Mastercard.
Associated: Should you pay your rent with Bilt? We crunch the numbers
3. Incomes Bilt factors via Bilt Eating
Bilt additionally has its personal eating rewards program known as Bilt Dining.
You possibly can 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 along with your bank card. For instance, should you pay along 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 in a different way, that is a 12.3% return in your eating purchases, in line with TPG’s Could 2025 valuations.
Bilt states that you would be able to 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 is no such thing as a cap on what number of factors you’ll be able to earn via Bilt Eating.
4. Incomes Bilt factors on the Bilt journey portal
Expedia powers Bilt’s travel portal, the place you’ll be able to earn factors on flights, lodge stays, automotive leases and issues to do. As a Bilt member, you earn 1 level per greenback spent on journey booked via the portal.
As a Bilt Mastercard holder, you earn 2 factors per greenback spent on journey booked via the portal and a pair of further factors per greenback by charging your buy to the cardboard*. That could be a complete of 4 Bilt factors per greenback spent.
5. Incomes Bilt factors with referrals
You may earn 2,500 factors every time you refer a pal to the Bilt Mastercard, on as much as 50 complete referrals. For each 5 referrals, you earn 10,000 bonus factors. You possibly can refer mates to the cardboard via the web site or app.
6. Incomes Bilt factors with Lyft
You possibly can earn 2 Bilt factors per greenback spent on Lyft rides whenever you hyperlink your accounts. Whenever you pay in your trip with the Bilt Mastercard*, you may additionally obtain a further 3 Bilt factors per greenback spent.
7. Incomes Bilt factors with health studios
You possibly can earn as much as 10 factors per greenback spent on health courses booked via the Bilt app.
These studios embody SoulCycle, Pure Barre, Barry’s and Rumble Boxing.
8. Incomes Bilt factors by taking part in the Hire Free sport
Bilt provides a sport show-style alternative for members to earn additional factors on Bilt Rent Day (the primary of the month): Hire Free.
Hire Free is ready up like “Household Feud,” with a brand new creator or character taking part in the sport every month. As a Bilt member, you’ll be able to earn factors with Hire Free whenever you decide a top-three reply, whenever you accurately rank that reply (double factors) and when the superstar visitor picks the identical reply as you (triple factors).
On high of incomes factors, the highest 10-scoring gamers will win free lease for a month (as much as $2,500). The subsequent 600 top-scoring members will get Bilt factors. When you tie, the tie will probably be damaged based mostly on who performed the sport first.
9. Incomes Bilt factors on house shopping for
In 2024, Bilt launched a brand new approach to earn factors: house 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 worth. For instance, if you buy a house for $500,000 utilizing an eXp Realty agent, you could possibly earn as much as 250,000 Bilt factors. In line with TPG’s Could 2025 valuations, these factors can be price $5,125.
*You have to use your card no less than 5 occasions throughout every assertion interval to earn factors.
Bilt Rewards elite standing tiers
Bilt provides 4 standing tiers. You possibly can attain Bilt elite standing in two methods: incomes Bilt factors and receiving fast-track standing with spending on the Bilt Mastercard and inside the Bilt ecosystem.
Whilst you will not earn fast-track standing on lease spending, you’ll be able to earn it via 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 ready as your rewards accomplice, and bookings made by way of Bilt’s journey portal.
Each member of Bilt Rewards begins within the Blue tier.
Here 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 monitor with spending | All Bilt Rewards members | $10,000 spent | $25,000 spent | $50,000 spent |
| Earn curiosity in your factors (at the FDIC-published national savings rate) | ✓ | ✓ | ✓ | |
| Blade advantages | ✓ | ✓ | ✓ (together with a complimentary Blade flight) | |
| Entry to complimentary homeownership concierge | ✓ | ✓ | ||
| Hire Day switch bonuses | Increased switch bonuses | Gold-level switch bonuses | Platinum-level switch bonuses |
Your member standing relies on the overall factors earned in a calendar yr. You may obtain the upper of the 2 statuses via 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-KLM award flight.
After requesting standing, it could take as much as three enterprise days in your Flying Blue Gold standing to turn out to be 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 benefits page and the added advantages of getting SkyTeam Elite Plus standing on SkyTeam’s FAQ page.
Associated: How to earn ‘interest’ on your points balance with Bilt Rewards
How one can use Bilt factors: Finest-value choice
The Bilt Rewards loyalty program provides you some ways to make use of your factors, although not all carry equal worth.
Let’s begin with the easiest way 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 correct applications, you’ll be able to simply get 2.05 cents per level in worth — and maybe far more — and rating a lie-flat airplane seat or an opulent 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 |
| Alaska Airways Mileage Plan | 1:1 | Inside minutes |
| Avianca LifeMiles | 1:1 | As much as 72 hours |
| British Airways Membership | 1:1 | Inside minutes |
| Cathay Pacific Asia Miles | 1:1 | Inside minutes |
| Emirates Skywards | 1:1 | Inside minutes |
| Hilton Honors | 1:1 | Inside minutes |
| Membership Iberia Plus | 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 |
| Southwest Airways Fast Rewards | 1:1 | ** |
| TAP Miles&Go | 1:1 | ** |
| Turkish Airways Miles&Smiles | 1:1 | Inside minutes |
| United Airways 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.
Finest-value switch companions
Bilt Rewards companions with a few of our favourite airline and lodge loyalty applications, together with Alaska Airlines Mileage Plan, Air Canada Aeroplan, Air France-KLM Flying Blue, Virgin Atlantic Flying Club and World of Hyatt. These applications have largely stored normal award charts for award flights and lodge nights, that means you may pay a predictable price and might usually get outsize worth out of your factors.
Switch bonuses
Bilt Rewards has traditionally supplied a number of the greatest switch bonuses we have seen throughout Hire Day (the primary of each month).
These have included 150% switch bonuses to some carriers, corresponding to Emirates Skywards, and as much as a 100% switch bonus to Alaska Airways Mileage Plan for July 2024 Hire Day. Moreover, Bilt has beforehand supplied a 100% switch bonus to Flying Blue.
Associated: The best airline award chart sweet spots
How one can use Bilt factors: Medium-value choices
The next redemption choices will get you respectable worth with a redemption price 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 capability 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 should utilize the Bilt journey portal to offset the price of flights, stays, rental automobiles and actions at a price of 1.25 cents per level.
How one can use Bilt factors: Poor-value choices
If you wish to extract most worth out of your Bilt Rewards factors, you may probably need to keep away from a few of these much less invaluable redemption choices.
Use factors for Amazon purchases
You possibly can choose your Bilt Mastercard on Amazon as a cost technique 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 Could 2025 valuation of two.05 cents per Bilt level, and it is not essentially the most effective deal.
Store the Bilt Assortment
The Bilt Assortment is a curated record of things, together with artwork, house decor and attire. The worth per level will differ, however because it not often exceeds greater than 1 cent per level, you need to probably go on this selection.
Redeem your factors for health courses
Fitness enthusiasts can redeem their Bilt factors to attend name-brand courses like SoulCycle, Solidcore, and Y7 Studio. The worth will depend upon the category you choose, nevertheless it hovers round 1 cent per level.
Redeem your factors for lease
A doubtlessly attractive choice along with your factors is to avoid wasting them to assist cowl your subsequent lease cost. Nonetheless, the redemption worth is simply 0.55 cents per level.
Associated: Ways college students can meet credit card minimum spending requirements
Ceaselessly requested questions
Does the Bilt Mastercard cost a price to pay lease?
No, the Bilt Mastercard doesn’t cost a transaction price (see rates and fees) whenever you use it to pay lease via Bilt Rewards. Nonetheless, you’ll be able to solely earn 100,000 factors on lease every calendar yr, and it’s essential 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 wouldn’t have to carry the Bilt Mastercard to enroll in Bilt Rewards and earn Bilt factors in this system.
Does my landlord/administration firm should have a partnership with Bilt?
No, you should use Bilt to pay lease even when your landlord doesn’t accomplice with this system.
What are Bilt factors price?
TPG’s Could 2025 valuations deem Bilt factors as price 2.05 cents per level. Relying on the way you redeem your factors, nevertheless, you could possibly get a a lot greater or decrease worth for them.
Is the Bilt Mastercard price it?
The Bilt Mastercard might be price it if you wish to earn factors on lease with out incurring a transaction price (see rates and fees). The cardboard additionally options widespread bonus classes and might be an amazing choice should you discover worth in this system’s switch companions.
Nonetheless, the cardboard does not characteristic a standard welcome bonus, and a few options aren’t as helpful should you stay in a much less populated space. So, as with all resolution, you need to contemplate what you need in a card earlier than you apply.
Associated: Bilt Mastercard review: No-transaction-fee rent payments
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), 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’ll be able to earn a lot of factors by linking your Lyft account, enrolling in Bilt Eating and reserving journey via the Bilt portal.
See Bilt Mastercard charges and charges here.
See Bilt Mastercard rewards and advantages here.