Imagine settling into a comfortable seat on a long flight, knowing the ticket cost you only a handful of points you earned simply by paying rent and everyday spending. That is the power of Bilt Rewards points when you use them with a clear plan.

Bilt Rewards is the only major program in the United States that lets you earn valuable points on rent without paying a transaction fee. Those points do not sit in a closed system. Instead, you can move them to strong airline and hotel partners, book travel through the Bilt Travel portal, or even put them toward future goals like a home down payment.

This guide will show you the best ways to redeem Bilt Rewards points so you can stretch your balance further. You will learn when to transfer points to airline and hotel partners, when it makes sense to book through the Bilt Travel Portal, and when other options like rent credits or a down payment can still play a role. 

You will also see real examples of high value redemptions, from Business Class flights to Europe to domestic trips and aspirational Hyatt stays that cost fewer points than most travelers expect.

If you are just starting your travel rewards journey, or you want a clearer system that saves time and money, you are in the right place. This guide will help you understand how Bilt Points work, find the best options quickly, and use your Bilt Rewards to create more travel memories without overspending.

How Bilt Rewards Points Work

Bilt Points are flexible travel rewards that you can use in many different ways. These points are not tied to a single airline or hotel chain. This gives you the freedom to choose the redemption option that delivers the most value for each trip. Before you start planning, it helps to understand how Bilt Points are earned and how they move through your account.

What Are Bilt Rewards Points

Bilt Points are a transferable rewards currency that you earn through the Bilt Mastercard and through select partners in the Bilt Rewards ecosystem. You can build your balance by paying rent, making everyday purchases, dining at Bilt Neighborhood Dining restaurants, taking eligible Lyft rides, and participating in monthly Rent Day promotions.

Once you earn Bilt Points, you can use them in several ways. You can transfer points to a strong set of airline and hotel partners, book paid travel through the Bilt Travel portal, or redeem points for rent credits and other lifestyle options. You can even put points toward a future home down payment if you are working toward long term financial goals.

The strength of the program comes from its flexibility and its generous partner list. This flexibility makes Bilt Rewards a useful tool for many types of travelers. Beginners can use Bilt Points to book simple domestic trips or free hotel nights. Experienced travelers can use the same points to unlock international business class seats and aspirational Hyatt stays that would normally be very expensive.

Credit Cards That Earn Bilt Rewards Points

To earn Bilt Points through credit card spending, you need a Bilt credit card that participates in the Bilt Rewards program. Each card offers its own mix of earning rates, travel features, and annual fees. Since the program is moving from the original Wells Fargo issued card to the new Cardless issued lineup, it helps to understand what is available today and what is coming next.

Bilt credit cards fall into two groups. There is the original no annual fee Bilt Mastercard from Wells Fargo, which is still active for current cardholders. Then there will be three new Bilt credit cards issued by Cardless, set to launch in early 2026. These new cards will shape the future of earning Bilt Rewards points through credit card spending.

Bilt Mastercard (Wells Fargo)

This is the first Bilt credit card and is closed to new applicants. Existing cardholders can continue to use the card through February 6, 2026. It earns points on dining, travel, rent, and everyday purchases. It also offers travel protections, cell phone coverage, and no foreign transaction fees. All earnings deposit directly into the cardholder’s Bilt Rewards account.

Bilt Cardless Credit Cards

The next generation of Bilt credit cards will be issued by Cardless. These cards will become available on February 7, 2026. While full details have not been released, Bilt has confirmed that three different products will launch, each with its own earning rates and benefits.

• Bilt Cardless Premium Card – A higher tier travel card expected to offer elevated rewards in dining and travel categories. This card is likely to include premium travel perks, expanded protections, and faster point earning for frequent travelers.
• Bilt Cardless Core Card – A mid tier card focused on everyday spending. This product will give members a simple way to earn points on dining, travel purchases, rent payments, and other common expenses. It is designed for renters or regular travelers who want strong earning without a high annual fee.
• Bilt Cardless Starter Card – A beginner friendly card for members who want an easy entry point into the program. This product will likely have no annual fee and provide access to Bilt transfer partners, Rent Day benefits, and core earning categories.

Why These Points Are So Valuable

Bilt Points are valuable because they offer several flexible ways to book travel. You can transfer points to a strong group of airline and hotel partners when you want high value flights or luxury hotel stays. These transfers unlock premium cabins, long haul routes, and popular international destinations at prices that are often far lower than cash fares.

You can also book paid travel through the Bilt Travel portal at a fixed and predictable value. This is helpful when you want a simple booking process or when partner award seats are limited. The portal lets you use points to book flights, hotels, and rental cars with no blackout dates.

Bilt Rewards Transfer Partners

Bilt Rewards are powerful because they can move to many airline and hotel programs around the world. These partners unlock premium cabins, long haul flights, and international hotel stays at a fraction of the cash price. To use your points with confidence, it helps to understand who these partners are, how transfers work, and when it makes sense to move your miles to a partner program.

Airline Transfer Partners

Bilt Rewards partners with more than a dozen airline loyalty programs across global alliances. These partners give you access to flights on Star Alliance, SkyTeam alliance, and oneworld alliance airlines, as well as independent carriers.

Most transfers are one to one, although a few use different ratios. Transfer times can range from almost instant to up to 24 to 48 hours depending on the program.

Popular airline partners include:

• Aer Lingus AerClub (1:1 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• Alaska Airlines Atmos Rewards (1:1 ratio)
• Avianca lifemiles (1:1 ratio)
• British Airways Executive Club (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Guest (1:1 ratio)
• Iberia Plus (1:1 ratio)
• Japan Airlines Mileage Bank (1:1 ratio)
• Qatar Airways Privilege Club (1:1 ratio)
• Southwest Airlines Rapid Rewards (1:1 ratio)
• Spirit Airlines Free Spirit (1:1 ratio)
• TAP Portugal Miles&Go (1:1 ratio)
• Turkish Airlines Miles&Smiles (1:1 ratio)
• United Airlines MileagePlus (1:1 ratio)
• Virgin Red / Virgin Atlantic Flying Club (1:1 ratio)

Hotel Transfer Partners

Bilt Rewards also offers several hotel partners that can be valuable depending on your travel style. Most hotel transfers are one to one, although some exceptions use alternative ratios.

Hotel partners include:

• Accor Live Limitless (3:2 ratio)
• Hilton Honors (1:1 ratio)
• IHG One Rewards (1:1 ratio)
• Marriott Bonvoy (1:1 ratio)
• World of Hyatt (1:1 ratio)

How To Transfer Bilt Rewards Points

Transferring Bilt Points is a simple process that only takes a few steps.

• Open the Bilt Rewards website or Bilt Rewards app and log in to your account.
• Tap the Rewards tab at the bottom of the screen.
• Select the Transfer Partners option at the top of the dashboard.
• Choose the airline or hotel loyalty program you want to transfer to.
• Link your loyalty account by entering your membership number.
• Type in the number of Bilt Points you want to transfer.
• Review the transfer details and confirm the transaction.

You must transfer points in set increments, usually in groups of 1,000. Most transfers process quickly, although a few partners may take several hours or more. Transfers cannot be reversed, so always confirm award availability before you move your miles.

The Best Ways To Redeem Bilt Points

Bilt Rewards offer some of the strongest flight redemptions available in the travel rewards world. With the right transfer partner, your points can unlock premium cabins, long haul journeys, and popular international routes for a fraction of the cash price. 

The key is knowing which redemptions consistently provide the highest value.

ANA First And Business Class To Japan

When you book All Nippon Airways (ANA) flights through Virgin Atlantic Flying Club, you can access exceptionally low award prices for both Business Class and First Class travel between the United States and Japan. These prices are far lower than what most programs charge for the same cabins, which is why this sweet spot is widely considered one of the best ways to use Bilt Points.

Virgin Atlantic uses a distance based award chart for ANA flights. This structure creates standout low pricing on routes from United States West Coast cities to Tokyo. Award availability can require some flexibility, yet the value is often unmatched when seats are available.

Below are the key details to know when you book ANA First or Business Class through Virgin Atlantic Flying Club:

• Airline: All Nippon Airways (ANA)
• Award Program: Virgin Atlantic Flying Club
• Points + Taxes and Fees (LAX – HND):
  • 52,500 points in Business Class (one way)
  • 72,500 points in First Class (one way)
• Award Availability: Low
• Unique Program Feature: Frequent transfer bonuses of up to 40%, which help turn this already strong redemption into one of the best values available

Review(s): ANA 777-300ER First Class [The Suite]

Japan Airlines Business Class To Japan

Japan Airlines offers one of the most comfortable Business Class experiences for travel between the United States and Japan. The cabin features wide lie-flat seats, excellent dining, and polished service that many travelers consider among the best in the world. When you redeem Bilt Rewards points through Japan Airlines Mileage Bank, you can access competitive award pricing that delivers strong value on long haul routes.

Japan Airlines Mileage Bank uses a distance based award chart, which keeps pricing predictable across most U.S. departures. Award availability can vary by route and travel season, yet travelers often find the best options from major gateways such as Los Angeles (LAX), San Francisco (SFO), New York City (JFK), and Chicago (ORD).

Below are the key details to know when you book Japan Airlines Business Class through Japan Airlines Mileage Bank:

• Airline: Japan Airlines
• Award Program: Japan Airlines Mileage Bank
• Points + Taxes and Fees (LAX – HND): 55,000 points + 200 USD (one way)
• Award Availability: Moderate
• Unique Program Feature: JAL uses a distance based chart that rewards travelers who plan efficient routes and want better value for long haul Business Class.

TPA Pro Tip: Japan Airlines Mileage Bank offers better value on round trip bookings. In many cases, a full round trip costs fewer miles than booking two separate one way flights.

Starlux Airlines Business Class To Taiwan

Starlux Airlines offers one of the most comfortable and modern Business Class experiences for travelers flying between the United States and Asia. The cabin features spacious lie-flat seats, high quality dining, excellent service, and a polished inflight experience that has earned strong reviews from many travelers.

When you redeem Bilt Points through Alaska Airlines Atmos Rewards, you can book Starlux Business Class at a competitive, fixed award rate. Taxes and fees remain low on this route, which increases the overall value. Award availability varies by travel season, but travelers often see steady options when booking early or planning shoulder season trips.

Below are the key details to know when you book Starlux Airlines Business Class through Alaska Airlines Atmos Rewards:

• Airline: Starlux Airlines
• Award Program: Alaska Airlines Atmos Rewards
• Points + Taxes and Fees (LAX – TPE): 75,000 points + 20 USD (one way)
• Availability: Low to Moderate
• Unique Program Feature: Alaska Airlines Atmos Rewards allows travelers to add a free stopover on most one way award bookings.

Emirates Business Class To Milan

Emirates operates one of the most popular fifth freedom routes between the United States and Europe, flying its signature Airbus A380-800 service from New York City (JFK) to Milan (MXP). This route gives travelers a rare chance to enjoy Emirates Business Class without connecting through Dubai (DXB). The cabin features spacious lie-flat seats, high quality dining, polished service, and the distinctive Emirates on-board bar and lounge.

When you redeem Bilt Rewards points through Emirates Skywards, you can book this fifth freedom flight at competitive round trip pricing. One way pricing through Emirates can be high, so round trip bookings usually offer a much better value. Taxes and fees are higher than some other programs, but the overall value remains strong due to the unique route and premium onboard service.

Below are the key details to know when you book Emirates Business Class on the New York City (JFK) to Milan (MXP) route through Emirates Skywards:

• Airline: Emirates
• Award Program: Emirates Skywards
• Points + Taxes and Fees (JFK – MXP):
  • 87,000 points + 400 USD (one way)
  • 108,000 points + 900 USD (round trip)
• Availability: Low (round trip) to Moderate (one way)
• Unique Program Feature: Emirates often provides discounted pricing on round trip award bookings, which helps reduce the total mileage cost.

Air France And KLM Business Class To Europe

Air France and KLM (Royal Dutch Airlines) offer comfortable Business Class cabins, reliable service, and a large network of flights between the United States and Europe. When you redeem Bilt Rewards points through Air France-KLM Flying Blue, you can often secure competitive one way Business Class pricing, even with the dynamic award system. Flying Blue also publishes clear minimum pricing levels, which helps travelers plan for the lowest possible rates.

Flying Blue is known for steady award availability and multiple daily flights from major U.S. cities. It also offers monthly Flying Blue Promo Rewards, which can drop award prices even further on select routes. Taxes and fees are higher than some other programs, yet the overall value remains strong due to the relatively low mileage cost for long haul Business Class.

Below are the key details to know when you book Air France or KLM Business Class through Air France-KLM Flying Blue:

• Airline: Air France or KLM (Royal Dutch Airlines)
• Award Program: Air France-KLM Flying Blue
• Points + Taxes and Fees (JFK – CDG | AMS): 60,000 points + 250 USD (one way)
• Availability: Moderate
• Unique Program Feature: Air France-KLM Flying Blue offers a 25% mileage discount on award flights for children ages 2 – 11

Review(s): Air France A350-900 Business Class | KLM 777-300ER Business Class

Domestic Short Haul Flights On American Airlines Or Alaska Airlines

British Airways Executive Club offers one of the best ways to book short haul domestic flights in the United States using Bilt Points. Through British Airways, you can redeem Avios for flights operated by American Airlines or Alaska Airlines at low mileage rates, especially on nonstop routes under 650 miles. These short flights often cost far more in cash than the mileage cost suggests, which increases the value of this sweet spot.

Executive Club uses a distance based award chart. This structure keeps prices low for short routes, even during peak seasons or high demand travel periods. Award availability is usually strong for domestic flights, which makes this a practical redemption for quick trips or last minute bookings.

Below are the key details to know when you book domestic short haul flights through British Airways Executive Club:

• Airline: American Airlines or Alaska Airlines
• Award Program: British Airways Executive Club
• Points + Taxes and Fees (short haul example):
  • 12,000 points in Economy Class for nonstop flights up to 650 miles (one way)
  • 16,000 points in Economy Class for nonstop flights up to 1,150 miles (one way)
• Award Availability: High
• Unique Program Feature: A distance based chart that locks in low award prices for nonstop flights, even when cash fares are elevated

Qatar Airways Business Class [Qsuite] To Middle East

Qatar Airways Qsuite is one of the most highly rated Business Class products in the world. It offers private suites, fully flat beds, high quality dining, and excellent service. When you transfer Bilt Points to Qatar Airways Privilege Club, you can book Qsuite flights from many United States cities to Doha (DOH) at very competitive award rates. These flights also connect easily to destinations across the Middle East, Africa, and South Asia.

Privilege Club uses Avios for award pricing, which keeps redemption rates predictable and easy to understand. One way Business Class flights from the United States to Doha (DOH) start at a strong value, and taxes and fees remain moderate. Award space varies by route, yet many travelers find reliable availability when booking several months in advance.

Below are the key details to know when you book Qatar Airways Business Class through Qatar Airways Privilege Club:

• Airline: Qatar Airways
• Award Program: Qatar Airways Privilege Club
• Points + Taxes and Fees (JFK – DOH): 70,000 points + 250 USD (one way)
• Award Availability: Moderate
• Unique Program Feature: Access to Qsuite cabins priced in Avios, which provides predictable award rates and strong value for long haul Business Class travel

Review(s): Qatar Airways A350-1000 Business Class [Qsuite]

British Airways Business Class To London

British Airways is known for comfortable transatlantic service and a large network across Europe, yet booking these flights through most frequent flyer programs often results in very high taxes and fees. By booking British Airways flights through Japan Airlines Mileage Bank, travelers can access competitive award rates while avoiding many of the high carrier surcharges that British Airways Executive Club usually adds.

Japan Airlines Mileage Bank uses a distance based award chart, which keeps pricing predictable on many routes between the United States and Europe. Since Mileage Bank does not pass along the full fuel surcharges that British Airways typically charges, the total out of pocket cost becomes far lower than what you would pay through most other programs.

Below are the key details to know when you book British Airways Business Class flights through Japan Airlines Mileage Bank:

• Airline: British Airways
• Award Program: Japan Airlines Mileage Bank
• Points + Taxes and Fees (JFK – LHR): 42,000 points + 225 USD (one way)
• Award Availability: High
• Unique Program Feature: JAL uses a distance based chart that rewards travelers who plan efficient routes and want better value for long haul Business Class

Review(s): British Airways A350-1000 Business Class [Club Suite]

Virgin Atlantic Flights To London

Virgin Atlantic offers a fun and stylish way to fly between the United States and the United Kingdom. When you transfer Bilt Rewards to Virgin Atlantic Flying Club, you can book nonstop flights to London at very competitive mileage rates. Dynamic pricing applies, but off peak dates often deliver some of the lowest award prices for transatlantic travel. These include attractive rates for Economy Class, Premium Economy, and Business Class [Upper Class].

Upper Class features lie flat seating, a modern cabin design, and good inflight service. Premium Economy offers generous legroom and enhanced comfort. Taxes and fees can be higher than other programs, yet the low mileage cost often offsets these charges, especially when you book during off peak periods.

Below are the key details to know when you book Virgin Atlantic flights to London through Virgin Atlantic Flying Club:

• Airline: Virgin Atlantic
• Award Program: Virgin Atlantic Flying Club
• Points + Taxes and Fees (JFK – LHR):
  • 6,000 points + 100 USD in Economy Class (one way)
  • 10,500 points + 250 USD in Premium Economy (one way)
  • 29,000 points + 550 USD in Business Class (one way)
• Award Availability: Moderate
• Unique Program Feature: Frequent transfer bonuses of up to 40%, which help turn this already strong redemption into one of the best values available

Review(s): Virgin Atlantic A330-900neo Business Class [Upper Class]

Luxury Hotel Stays With World of Hyatt

World of Hyatt is one of the most valuable hotel loyalty programs in the world, and it is the strongest hotel transfer partner available through Bilt Rewards. Hyatt offers a wide network of high quality properties, including luxury resorts, boutique hotels, and well reviewed all inclusive brands. Award rates are often far lower than what other major chains charge for similar rooms, which helps travelers unlock excellent value from their Bilt Points.

Award space varies by property, but several premium hotels release consistent standard room inventory. Many of the top tier Hyatt brands, including Park Hyatt, Alila, Andaz, and Hyatt Ziva and Hyatt Zilara all inclusive resorts, offer excellent redemption opportunities that can provide high value from every point you transfer.

Below are the key details to know when you book hotel stays through World of Hyatt with Bilt Rewards points:

• Hotel Brands: Park Hyatt, Alila, Impression by Secrets, The Unbound Collection by Hyatt, Andaz, Thompson Hotels, etc.
• Award Program: World of Hyatt
• Points + Taxes and Fees: 3,500 – 45,000 points + 0 USD (per night)
• Availability: Moderate to High
• Unique Program Feature: World of Hyatt uses a fixed award chart instead of dynamic pricing, which means point rates stay predictable and do not rise sharply during busy travel periods.

Review(s): Park Hyatt Bangkok | Park Hyatt London River Thames | Park Hyatt Maldives Hadahaa | Park Hyatt Washington D.C.

Non-Hyatt Hotel Redemptions With Bilt Rewards

Bilt Points can be transferred to several non-Hyatt hotel partners, which gives you added flexibility when planning a complete trip. While flights and World of Hyatt usually deliver the strongest value, other hotel transfers can still be useful in the right situations. 

These redemptions work best when you need to top off an account, when you find a favorable award rate at a partner property, or when cash prices are unusually high during busy travel periods.

Hotel redemptions outside of Hyatt are not the primary strength of Bilt Rewards, yet they remain a helpful option for travelers who want more ways to stretch their balance. With the right timing and the right property, these transfers can add solid value and support a smooth and affordable travel experience.

How To Use Bilt Travel The Right Way

The Bilt Travel portal gives you a simple way to use your points without searching partner websites or comparing award charts. While transferring points to airline and hotel partners usually delivers the highest value, the portal can still be a smart option in the right situations. 

Understanding how the Bilt Travel portal works will help you decide when to use it and when to save your points for a stronger redemption.

Bilt Travel Portal Basics

When you book through the Bilt Travel portal, your points are worth 1.25 cents each. This means a 300 USD flight costs 24,000 Bilt Points. The value does not change based on the travel date, cabin class, or airline. This predictable structure makes the portal useful when you want an easy booking process with no blackout dates.

The portal also allows you to book a wide range of travel options, including flights, hotels, and rental cars. Since these are paid tickets, you will usually earn airline miles or hotel points on your bookings, which adds extra value to each trip.

When Bilt Travel Offers Strong Value

The portal can provide good value in specific situations, even if partner transfers often deliver better results.

• When Cash Fares Are Low. Budget friendly fares can make portal bookings very appealing. If a domestic flight costs 200 USD, using 16,000 points can be a solid and simple redemption. This is especially useful for last minute trips or short routes where partner award prices are high or availability is limited.
• When Award Availability Is Hard To Find. Some routes have little to no saver award space. In these cases, using the portal can be easier than searching for partner seats that never appear. Since the portal books paid fares, availability is usually wide.

Tips And Tricks To Maximize Value

Maximizing Bilt Rewards often comes down to a few simple habits. Small choices in timing, partner selection, and booking strategy can greatly increase the value you receive from every point. With the right approach, you can reduce your overall point cost, avoid unnecessary fees, and unlock more premium travel options.

• Combine One-Way Awards For Flexibility. Book two one-way flights instead of a round-trip to mix programs and find the best pricing on each direction of your journey.
• Check Multiple Gateways. Some departure cities release award seats earlier or more consistently than others. Routes from New York City (JFK), Boston (BOS), Washington (IAD), Chicago (ORD), and Toronto (YYZ) often show stronger availability than routes from Los Angeles (LAX) or San Francisco (SFO).
• Look for Transfer Bonuses: Watch for limited-time Rent Day promotions that give you extra miles or points when transferring to certain partners, boosting your value instantly.
• Always Track Your Bilt Status Level: Members with higher Bilt Rewards status receive more benefits and larger Rent Day transfer bonuses, which can significantly increase the value of each point you move to a partner program.
• Book During Monthly Promotions. Many programs publish monthly award discounts that can reduce the number of miles you need. Key promotions include Miles & More Mileage Bargains, Flying Blue Promo Rewards, and KrisFlyer Spontaneous Escapes.
• Travel During Off-Peak Seasons. Flying during shoulder seasons or midweek can reveal lower award rates and more available premium cabin seats across many partner airlines.
• Compare Programs Before Booking. Award prices can vary across partners, so checking several programs before you transfer points helps you find the lowest mileage cost for the same flight.
• Explore Lesser-Known Partners: Consider regional or unique programs like Alaska Airlines Atmos Rewards or Japan Airlines Mileage Bank for overlooked award opportunities and greater award availability.
• Avoid High Surcharges. Booking award flights through programs like Avianca lifemiles or Air Canada Aeroplan usually results in low fees while British Airways Executive Club and Virgin Atlantic Flying Club add the highest surcharges – sometimes exceeding 1,000 USD.
• Use Award Search Tools. Tools like seats.aero and roame.travel quickly scan multiple programs to help you find the best availability.
• Keep Points Flexible Until Booking. Confirm saver-level award space before transferring credit card points, since most transfers are final and cannot be reversed.
• Leverage LifeMiles Mixed-Cabin Pricing. Avianca lifemiles pro-rates redemptions when combining cabin classes, letting you fly Business Class on the long leg and save miles overall.
• Rebook If A Better Deal Appears. Most programs now allow free or low-cost cancellations, so you can cancel and rebook if a cheaper or better itinerary opens up.

Final Thoughts

Bilt Points are a powerful tool for anyone who wants to travel more while spending less. With strong airline and hotel transfer partners, flexible redemption options, and the ability to earn points on rent, Bilt Rewards gives you more ways to unlock memorable trips without stretching your budget. The key is understanding where the value is and how to reach it.

By focusing on high value transfer partners, comparing award programs before you book, and using the Bilt Travel portal when it offers clear savings, you can stretch your points much further than you might expect. Simple habits, such as searching for award space early or keeping your points flexible until you are ready to book, can make a noticeable difference in the value you receive.

Bilt Points work best when you use them with a clear plan, yet they also offer enough flexibility to support many travel styles. With the strategies in this guide, you can turn everyday spending, including rent, into comfortable flights, upgraded hotel stays, and trips that feel far more affordable.

If you are ready to keep going, explore specific transfer partners or search for new sweet spots that match your travel goals. The more you learn, the more your Bilt Rewards points can help you see the world.

Kevin Zanes