[2026.6 Update] I Prefer has been added as a new transfer partner at a 1:2 ratio.
What Are Bilt Points?
Bilt Points are Bilt’s transferable rewards currency. They can be transferred to programs such as Hyatt, Alaska Airlines (AS), JAL (JL), and United Airlines (UA), making them extremely useful points to have. In terms of transfer-partner quality, Bilt Points arguably rival—or even surpass—the transferable-points currencies offered by major banks, such as Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, and Capital One Miles.
Note that Bilt’s rewards system became fairly complicated after the Bilt 2.0 overhaul. Bilt Points, which are highly valuable and flexible, and Bilt Cash, which is much harder to use effectively, are two different currencies.
How to Earn Bilt Points
Bilt currently offers three credit cards that earn Bilt Points:
| Card Name | Bilt Blue | Bilt Obsidian | Bilt Palladium |
|---|---|---|---|
| Annual Fee | $0 | $95 | $495 |
| Bilt Points Earning | 1x on rent, mortgage, and everyday spend | 3x on dining or grocery (choice of one; grocery up to $25K/year); 2x on travel; 1x on rent, mortgage, and everyday spend | 2x on everyday spend; 1x on rent and mortgage |
| Bilt Cash Earning | 4% on everyday spend | 4% on everyday spend | 4% on everyday spend |
| Credits | N/A | $100 Bilt Travel hotel credit ($50 every six months) | $400 Bilt Travel hotel credit ($200 every six months); $200 Bilt Cash annually |
| Other | N/A | N/A | PPS |
One important point: you can still earn Bilt Points and transfer them to Bilt’s excellent partners even if you do not hold a Bilt credit card. Some ways to earn Bilt Points without a Bilt credit card include:
- Linking another credit card in the Bilt Rewards app and using it to pay rent
- Participating in Bilt Rent Day promotions
- Linking your Bilt account to Walgreens and making purchases at Walgreens
- Linking your Bilt account to Lyft and using Lyft
- Spending at Bilt Dining restaurants and other Bilt partner merchants
Of course, a Bilt credit card remains the best way to accumulate Bilt Points quickly.
Transfer Partners
Bilt Points transfer at a 1:1 ratio to the following airline programs:
- Aer Lingus (EI) Avios
- Alaska Airlines (AS) Atmos Rewards
- Air Canada’s (AC) Aeroplan
- Air France (AF)/KLM FlyingBlue
- Avianca (AV) LifeMiles
- British Airways (BA) Avios
- Cathay Pacific (CX) Asia Miles
- Emirates (EK) Skywards
- Etihad (EY)
- Iberia (IB) Avios
- Japan Airlines (JL) JAL Mileage Bank
- Qatar Airways (QR) Privilege Club
- Southwest Airlines (WN) Rapid Rewards
- Spirit (NK) Free Spirit
- TAP (TP) Miles&Go
- Turkish (TK) Miles & Smiles
- United Airlines (UA) MileagePlus
- Virgin Atlantic (VS) Flying Club
- Virgin Red
Bilt Points can also be transferred to the following hotel programs:
- Accor Live Limitless (3:2 ratio)
- Hilton Honors
- IHG One Rewards
- [New] I Prefer (1:2 ratio)
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards
The biggest strength of Bilt Points is their unusually valuable set of transfer partners: Hyatt, JAL (JL), Alaska Airlines (AS), and United Airlines (UA). Hyatt is an especially rare transfer partner. Until Bilt came along, Chase Ultimate Rewards was the only major transferable-points currency that could transfer to Hyatt. Transferring points to Hyatt is also one of the most valuable ways to use Chase Ultimate Rewards points. JAL and Alaska Airlines miles are both difficult to earn and can be extremely valuable. It is impressive that Bilt was able to secure both as transfer partners. United miles are also among the most useful airline currencies for U.S.-based travelers. Because of these partners, we value Bilt Points at least 1.6 cents per point.
Bilt Rent Day Transfer Bonuses
Bilt runs Bilt Rent Day promotions on the first day of every month. One of the most important features of Rent Day is its transfer bonuses.
A 20%–30% transfer bonus is generally considered quite good. Bilt Rent Day bonuses, however, can often reach 100% or more. When there is a useful transfer opportunity, these bonuses can substantially increase the value of Bilt Points.
Fixed-Value Travel Redemptions
Bilt also has a travel portal powered by Expedia. Points redeemed through the portal are worth a fixed 1.25 cents per point.
This is usually not the best use of Bilt Points, since transferring them to Hyatt or airline partners such as United will often provide better value. Still, the portal provides a flexible fallback option when award availability is limited or when you simply prefer a cash-like travel redemption.
Fixed-Value Cash Redemptions
Bilt Points can also be redeemed for statement credits at a fixed rate of 0.55 cents per point. This redemption rate is far too low to be attractive and is generally not recommended.
Bottom Line
Although Bilt’s Bilt 2.0 credit cards have not been particularly well received, Bilt Points themselves remain an excellent rewards currency.
Their standout feature is Bilt’s rare collection of transfer partners: Hyatt, JAL (JL), Alaska Airlines (AS), and United Airlines (UA). Hyatt is an especially valuable and uncommon partner, while JAL and Alaska miles are difficult to earn and can offer excellent redemption value. United miles are also widely useful for U.S.-based travelers. These partners alone make Bilt Points worth at least 1.6 cents per point in our view.
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