Paying rent can feel like money you will never see again. Bilt Rewards changes that by turning your biggest monthly expense into a steady stream of points that can help you travel more for less. 

With rent earning potential, strong airline and hotel partners, and extra ways to earn points on dining, travel, fitness, and everyday purchases, the program offers real value for anyone who wants to get more from the payments they already make.

Bilt has grown quickly because it offers something unique. Members can earn points when paying rent through the Bilt app, often without fees, and redeem those points for flights, hotels, and other travel rewards. The program also includes monthly bonuses on Rent Day, special partner offers, and the ability to build points even without a Bilt credit card, which makes it flexible for beginners.

In this Bilt Rewards guide, you will learn how the program works, how to earn points faster, and how to redeem them for high value travel. Each section aims to give you clear steps, practical tips, and simple strategies that help you stretch your travel budget further.

By the end, you will know exactly how to earn, redeem, and maximise Bilt Rewards points so you can turn everyday spending, including rent, into your next great trip.

What Are Bilt Rewards Points

Bilt Points are the flexible rewards currency you earn through the Bilt Rewards program. Members can earn these points by paying rent through the Bilt app, by using a Bilt credit card if they have one, or by taking part in Bilt partner offers such as dining, fitness classes, Lyft rides, and Walgreens purchases. Once you have points in your account, you can redeem them for travel, fitness classes, online shopping, housing related uses, and more.

What makes Bilt Rewards stand out is the program’s focus on rent. Rent is often the biggest expense most people have each month. Bilt gives you a way to turn that payment into points that can help you travel more for less. At the same time, the program stays flexible for beginners. You can start with simple earning and simple redemptions, then shift to more advanced travel strategies when you are ready.

How Bilt Rewards Works

Bilt Rewards is built around a simple idea. You earn points on rent and other everyday expenses, then use those points for valuable travel rewards. The program is easy to join and designed to help beginners and experienced travelers get more from the payments they already make. 

To understand how Bilt Rewards works, it helps to look at the core parts of the program and the key changes taking place.

Membership And The Bilt Ecosystem

Anyone can create a free Bilt Rewards account through the Bilt app (iOS | Android) or Bilt website. There is no credit check to join, and you do not need a Bilt credit card to start earning points. Once your account is active, you can earn Bilt Points through rent payments and through partner offers.

Members can earn points without holding a Bilt credit card, although the card can boost earning once the new Cardless versions become available in early 2026. This gives renters a flexible way to start earning points right away.

If you live in a Bilt Alliance property, your building is already connected to the Bilt platform. This makes rent payments simple because your property appears inside the Bilt app. If you do not live in a Bilt Alliance building, you can still pay rent through Bilt. 

The system can send a check to your landlord or work with many online payment portals. This means most renters can earn Bilt Rewards points without changing apartments or adjusting their rental agreements.

The ecosystem extends beyond rent. Bilt partners with dining networks, Lyft, Walgreens, fitness studios, parking services, and Rakuten. These partnerships help you earn points on the purchases you already make, often without needing the Bilt credit card.

The Four Key Functions of the Program

Although Bilt is changing its credit card partner, the core structure of the program remains the same. Bilt Rewards is built around four main functions.

• Free Membership
  • Anyone can join the program for free. All points earned from rent, partners, or a credit card flow into the same Bilt Rewards account.
• Earning Points Through Rent
  • The ability to earn points on rent is the feature that makes Bilt unique. Rent is a major expense for many people, and earning rewards on this payment can add up quickly.
  • Bilt can route rent payments to both Bilt Alliance and non Alliance landlords, which helps renters keep their current living situation.
• Earning Points Through Partners
  • Bilt has several partners that make it easy to earn points on daily purchases. Members can earn points on dining at Neighborhood Dining restaurants, on Lyft rides, on select Walgreens purchases, on fitness classes booked through the Bilt app, on parking through Metropolis, and through online shopping with Rakuten.
• Redeeming Points For Travel or Everyday Uses
  • Bilt Rewards points can be used in several ways. The highest value usually comes from transferring points to airline and hotel partners for award flights and hotel stays.
  • The Bilt Travel Portal also allows members to book flights and hotels at a fixed point value, which is simple for beginners. 
  • Other redemption options include rent payments, student loan payments, Amazon purchases, and items from the Bilt Collection.

Bilt Card 1.0, Bilt Card 2.0, And What Is Changing

The original Bilt Mastercard was issued by Wells Fargo. It was popular because it allowed renters to earn points on rent payments without paying transaction fees. This made it one of the only cards in the United States that rewarded rent directly.

In late 2025, Bilt and Wells Fargo began to phase out their partnership. New applications for the Wells Fargo issued Bilt Mastercard closed, and Bilt announced that a new set of credit cards would launch through Cardless.

Here is a simple timeline of the transition:

• Through February 6, 2026, existing Wells Fargo Bilt cardholders can continue to use their cards and earn Bilt Rewards points.
• On February 7, 2026, Bilt Card 2.0 launches with three new credit cards issued by Cardless.
• Starting on that date, new applicants will apply directly for the Cardless versions of the Bilt credit card.

Which Credit Cards 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 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.

How To Earn Bilt Rewards Points

Bilt offers many earning paths, and several of them work even if you do not have a Bilt credit card. This makes the program flexible for beginners and powerful for travelers who want to maximise every dollar they spend.

Earning Bilt Rewards Points On Rent

Earning points on rent is the core feature that sets Bilt apart. Most renters send out a large payment every month and receive no rewards in return. Bilt solves this by giving members a simple way to earn points whether their landlord is part of the Bilt Alliance or not.

Key earning rules for rent:

• Members with the Bilt credit card earn one Bilt Point per dollar on rent when paying through the Bilt app, up to 100,000 points per calendar year.
• If your rent is below 250 dollars, you will still receive 250 points for that payment.
• Members without the Bilt credit card can route rent through Bilt and receive a flat 250 per month.
• Bilt can process rent payments for both Bilt Alliance properties and non Alliance landlords through mailed checks, BillPay features, or supported online portals.
• Members must meet the five posted transaction rule in a statement period when using the Bilt credit card so they can earn full points for that cycle.

Important limits:

• You can register only one primary property for rent payments each month.
• The annual cap for earning points on rent is set at 100,000 points.

This makes rent the strongest and most consistent source of points for many Bilt members.

Everyday Spending With The Bilt Mastercard

If you already have the original Wells Fargo issued Bilt Mastercard, you can still use it through early 2026. This card offers several elevated earning categories that help members build points quickly during normal daily spending.

Core earning structure for the existing Bilt Mastercard:

• 3x points per dollar on Dining
• 2x points per dollar on Travel
• 1x points per dollar on Rent
• 1x points per dollar on all Other Purchases

To earn points with the card, members must complete at least five posted transactions per statement period.

Travel Category Exclusions: Some purchases do not qualify as travel for earning purposes. These exclusions include rideshares, taxis, buses, vacation rental platforms, parking, and several forms of public transportation.

Rent Day: Monthly Bonus And Promotions

On the first day of every month, Bilt hosts Rent Day. This is a monthly event that helps members boost their earnings and unlock special offers.

Typical Rent Day features include:

• Double earning rates on several spending categories when using the Bilt Mastercard.
  • 6x per dollar on Dining
  • 4x per dollar on Travel
  • 2x per dollar on Other Purchases
• Rent continues to earn the standard 1x per dollar and does not receive a multiplier.
• Rotating promotions such as transfer bonuses, in app games that award free points, giveaways, and limited time partner offers like cruise incentives and status matches.

TPA Pro Tip: Create a simple monthly checklist that includes dining purchases, travel bookings, and checking the app for bonus offers. This helps you take advantage of the highest earning rates each month without overspending.

Rakuten x Bilt Partnership

The Rakuten partnership is one of the most powerful and overlooked ways to earn Bilt Points. It is simple to set up, works at thousands of online stores, and can add steady growth to your Bilt Rewards balance without changing your normal shopping habits.

How The Rakuten Partnership Works

Rakuten is a popular cash back platform that gives shoppers rewards when they start their online purchase through Rakuten. With the Bilt partnership, members can choose to earn Bilt Rewards instead of cash back or American Express Membership Rewards. This turns online shopping into a new source of travel rewards.

Here is what you need to do:

• Create or sign in to your Rakuten account.
• Link your Rakuten account to your Bilt Rewards account in the Rakuten settings menu.
• Select Bilt Points as your chosen reward type instead of cash back.
• Shop through the Rakuten browser extension or through the Rakuten website.
• Complete your purchase as usual, and earn Bilt Points based on the cash back rate offered for that store.

If a store offers 10% cash back, you will instead earn ten Bilt Points per dollar. This is one of the highest earning rates available anywhere in the Bilt Rewards ecosystem.

Earn Bilt Rewards Points With Partners

One of the most helpful features for beginners is that you can earn Bilt Rewards points without holding the Bilt Mastercard. This makes the program accessible to renters who want to start earning before applying for Bilt Card 2.0.

Here are the main non card earning methods:

• Neighborhood Dining – You can link any payment card to Bilt and earn points at participating restaurants. These points are earned on top of the rewards from your linked card.
• Lyft – After linking your Bilt and Lyft accounts, you can earn points on eligible rides. Bilt card holders earn 5x points per dollar. Members without a Bilt Mastercard earn 2x points per dollar.
• Walgreens – Members who link a payment card to Bilt can earn points at Walgreens.
  • 1x point per dollar on all purchases
  • 2x points per dollar on Walgreens branded products
  • 100 points per eligible prescription refill
• Fitness Classes – Members can book classes at partner studios such as Barry, CorePower Yoga, SoulCycle, Rumble Boxing, Y7, and others. These bookings earn bonus points, and some classes include small perks like free shoe rentals or complimentary shakes.
• Parking with Metropolis – Through the Neighborhood Parking tab, members earn points when parking at participating Metropolis locations. This is helpful in cities where parking is common and costly.

Referral Bonuses

Referral bonuses are one of the easiest ways to earn extra Bilt Rewards points, especially if you have friends, coworkers, or roommates who are curious about rewards programs. When someone applies for a Bilt Mastercard using your unique referral link and gets approved, you receive a fixed number of Bilt Rewards points as a thank you.

Bilt also rewards members who refer multiple people. For every five approved referrals, you receive an extra bonus on top of the points from each individual referral. These milestone bonuses help you earn larger numbers of points in a shorter time if you know several renters who would benefit from joining Bilt.

Mortgage and Home Purchase Bonuses

Bilt is one of the only rewards programs that connects everyday renters to future home ownership. The program offers two major ways to earn points through housing: earning points when you buy a home and earning points on future mortgage payments once Bilt Card 2.0 launches.

• Home Purchase Bonuses – Members who buy a home through a Bilt real estate partner network can earn one Bilt Rewards points for every two dollars of the home purchase price. For example, a 300,000 dollar home purchase through the partner network would earn 150,000 Bilt Rewards points.
• Future Mortgage Earning – Beginning in February 2026, Bilt Card 2.0 is expected to include the ability to earn Bilt Rewards points on eligible residential mortgage payments.
  • Specific earning rates and limits have not yet been released.

Do Bilt Rewards Points Expire

Bilt Points do not expire as long as your Bilt Rewards account remains open and in good standing. This gives you the freedom to build your balance over time and save for larger travel goals without worrying about losing points because of inactivity or deadlines.

If your Bilt Rewards account is closed or shut down, any unused Bilt Points will be forfeited. Bilt does not allow members to transfer points to another person or another Bilt account before closure, so it is important to redeem or transfer your points if you plan to make major changes to your account.

Bilt Rewards Elite Status Tiers And Benefits

Bilt Rewards offers four status tiers that recognize long term engagement in the program. Each tier comes with extra perks that make earning and redeeming Bilt Points more rewarding. Members can earn the required number of Bilt Points or they can reach a spending threshold within the Bilt ecosystem, not including rent.

The higher the tier, the more benefits you unlock. These perks help you earn points faster, access better travel opportunities, and enjoy special privileges during Rent Day events.

Blue Status

Blue is the entry level tier for all members as soon as they enroll.

Blue benefits include:

• Access to all Bilt Rewards airline and hotel transfer partners, with a 2,000 point transfer minimum
• Access to Rent Day transfer bonuses
• Rent reporting to credit bureaus, which can support credit building

Silver Status

Earn Silver with 50,000 Bilt Points or 10,000 USD in Bilt ecosystem spending during a calendar year, not including rent.

Silver benefits include all Blue perks, plus:

• Lower minimum for point transfers, reduced from 2,000 to 1,000 points
• Higher Rent Day transfer bonuses compared with Blue
• Interest on your Bilt Rewards points balance, based on the national savings rate
• 10% discount on BLADE flights booked through the Bilt app
• Status match to Virgin Voyages Blue Extras

Gold Status

Earn Gold with 125,000 Bilt Points or 25,000 USD in Bilt ecosystem spending in a calendar year.

Gold benefits include all Silver perks, plus:

• Higher Rent Day transfer bonuses
• Priority access to Rent Day events and experiences
• Complimentary access to BLADE lounges, even when you are not booked on a flight

Platinum Status

Earn Platinum with 200,000 Bilt Points or 50,000 USD in Bilt ecosystem spending in a calendar year.

Platinum benefits include all Gold perks, plus:

• The highest Rent Day transfer bonuses in the program
• Air France-KLM Flying Blue Gold Status for twelve months when you transfer 10,000 Bilt Points to Air France-KLM Flying Blue
• Status match to Virgin Voyages Deep Blue Extras

Once you reach a new tier, your status lasts for the rest of the calendar year and the entire following year. This gives you plenty of time to use your benefits and plan a smart earning and redemption strategy.

Bilt Rewards Milestones

Bilt Rewards Milestones are progress rewards that unlock as you earn points throughout the year. These milestones work alongside elite status and give members extra motivation to stay active in the program. 

Milestones begin once you earn 25,000 Bilt Rewards points within a calendar year. As you continue to earn points, new milestones appear. Each milestone comes with its own perk, which can include:

• Bonus earning opportunities in special categories such as grocery stores and gas stations
• Fitness credits that reduce the cost of classes booked through the Bilt app
• Extra points that help you move closer to your next elite status tier

What Are Bilt Rewards Points Worth

The value of Bilt Points depends on how you redeem them. While Bilt offers several ways to use your points, travel partners usually provide the highest value. Many travelers can reach values between 1.8 and 2.2 cents per point when redeeming Bilt Points for flights or hotel stays through transfer partners.

Baseline Value

At the simplest level, Bilt Points have a fixed value when used for:

• Travel bookings through the Bilt Travel Portal
• Select everyday redemptions such as fitness classes, Amazon purchases, or items from the Bilt Collection
• Payments toward rent, student loans, or a home down payment

Points redeemed through the Bilt Travel Portal are worth 1.25 cents each. For example, 10,000 Bilt Rewards points give you 125 USD toward a flight or hotel booked through the portal.

Maximum Value: Transferring To Travel Partners

The strongest value comes from transferring Bilt Points to the Bilt Rewards airline and hotel partners. Most partners transfer at a 1:1 ratio, which means one Bilt Point becomes one point or mile in a partner program. These transfers can unlock very high value redemptions, especially for premium cabin flights or top tier hotel stays.

The Points Analyst currently values Bilt Rewards at about 2.1 cents per point. With strong partners like Air Canada Aeroplan, Alaska Airlines Atmos Rewards, Virgin Atlantic Flying Club, and World of Hyatt, it is possible to reach 3.0 to 4.0 cents per point or more.

Bilt Rewards Transfer Partners

One of the strongest features of Bilt Rewards is the ability to transfer points to a wide range of airline and hotel loyalty programs. These transfers are often the key to unlocking the highest value redemptions, including international flights, premium cabins, and luxury hotel stays.

Most Bilt transfer partners use a 1:1 ratio, which keeps the process simple for beginners. Transfers are usually instant, although exact timing can vary by partner.

Once you transfer Bilt Points to a partner, the transfer is permanent. This means it is important to check award space before you move any points.

Airline Transfer Partners

Bilt partners with many major airline programs across global alliances and independent carriers. These partners give you access to a wide selection of flights, including domestic trips, international routes, and premium long haul cabins.

Most airline transfers are one to one. Many transfers are instant or near instant, which helps you secure award seats quickly.

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)
• TAP 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 also offers transfers to several popular hotel programs. These partners allow you to book stays at well known brands and luxury properties around the world.

Most hotel transfers are one to one, although a few partners 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)

World of Hyatt is often the strongest option because of its low award prices and consistent value. Marriott Bonvoy, Hilton Honors, and IHG One Rewards provide more hotel choices and better availability across the United States and international markets.

Important Transfer Partner Rules

Before transferring Bilt Points to an airline or hotel partner, it is helpful to understand a few key rules. These guidelines will help you avoid surprises and make the most of every transfer.

• The minimum number of points you can transfer depends on your Bilt status tier.
  • Blue members: Minimum transfer of 2,000 points
  • Silver, Gold, and Platinum members: Minimum transfer of 1,000 points
• Once points are transferred, the process is permanent. You cannot move points back to Bilt after the transfer.
• Bilt generally allows transfers to authorized users, as long as the user is linked to your account. Transfers cannot be made to unrelated individuals.
• Transfer times vary by partner. Many transfers are instant or near instant, while others may take up to 24 to 48 hours to appear in your partner account.

TPA Pro Tip: Always check for award space availability in your chosen program before transferring points. Once points leave Bilt, they cannot be moved back. If there is no award space on the flights or hotels you want, your points could end up stuck in a program where they are worth less.

How To Redeem Bilt Rewards Points

Once you begin earning Bilt Points, the next step is deciding how to use them. Bilt offers a wide range of redemption options, but some provide far more value than others. Understanding the differences can help you choose the right strategy for your travel goals and make the most of every point you earn.

Here is a breakdown of the best and lowest value ways to redeem Bilt Points.

Transfer To Travel Partners (Best Value)

For most travelers, transferring points to the Bilt Rewards airline and hotel partners offers the strongest value. Most partners transfer at a 1:1 ratio. These transfers can unlock premium cabin flights, luxury hotel stays, and international trips that might cost thousands of dollars if paid in cash.

• Best Airline Partners: Air Canada Aeroplan, Air France-KLM Flying Blue, Alaska Airlines Atmos Rewards, Avianca lifemiles, Japan Airlines Mileage Bank, and Virgin Atlantic Flying Club
• Best Hotel Partner: World of Hyatt
• Example Redemption: A Business Class flight to Europe can cost 60,000 to 70,000 miles with programs like Air Canada Aeroplan. Cash prices often range from 2,500 dollars to 4,000 dollars, which gives you roughly 3.0 to 4.0 cents per mile in value.

Why This Option Is The Best

• Highest value per point
• Access to premium experiences
• Large global coverage through alliances
• Wide partner network for both airlines and hotels

TPA Pro Tip: Always check award space before transferring points. Transfers are permanent, so you want to confirm that your chosen flight or hotel night is actually available before moving your points.

Book Travel Through The Bilt Travel Portal (Average Value)

The Bilt Travel Portal is powered by Expedia and lets you redeem Bilt Points for flights, hotels, rental cars, and activities at a fixed rate of 1.25 cents per point. This is a simple and predictable way to redeem points, especially when cash prices are low or when partner award availability is limited.

Example: A 300 USD domestic flight booked through the portal would cost 24,000 Bilt Points. If no partner awards are available, this can be an easy and fair value option.

When This Option Makes Sense

• Cash fares are low
• Award space is unavailable or overpriced
• You prefer simple booking without award charts
• You want to book travel with airlines or hotels that are not Bilt partners

Apply Points To Housing (Average to Low Value)

Bilt allows you to redeem points for everyday financial needs. These redemptions are flexible but often provide lower value than travel transfers. Still, they can be very helpful when cash flow matters more than maximising travel value.

• Rent Payments – You can use Bilt Points to reduce your monthly rent payment through the Bilt app. This is convenient, especially during tight months.
• Student Loan Payments – You can apply Bilt Points to eligible student loan servicers. This is a practical redemption if you want to focus on debt repayment.
• Down Payment For A Home – Bilt Rewards supports using points toward your future down payment, which aligns with the program’s mission to help renters become homeowners.

Bilt Collection (Low Value)

The Bilt Collection offers a curated range of art pieces, home decor, accessories, and apparel. These items provide flexibility and can make your space feel more personal. However, the value per point is usually lower than travel redemptions.

Example: A piece of framed artwork priced at 250 USD may require 28,000 to 30,000 Bilt Points, which provides lower overall value compared with booking travel.

Amazon Purchases (Low Value)

You can link your Bilt Rewards account to Amazon and use points at checkout. This is one of the lowest value options for Bilt Points.

Example: A 100 USD Amazon order may require more than 12,000 points, which is far less value than redeeming through travel partners.

Bilt Rewards vs Other Points Programs

Bilt Rewards is a powerful option in the world of transferable points, but it is not the only program available. American Express, Chase, Capital One, and Citi all offer their own flexible rewards systems, each with strengths that appeal to different types of travelers.

Here is how Bilt compares to the major transferable currencies.

Amex Membership Rewards vs Bilt Rewards

American Express Membership Rewards has the largest selection of airline partners, while Bilt Rewards focuses on strong everyday earning for renters and premium travel value through top partners and neighborhood programs.

• Amex Strengths: Largest list of airline partners, frequent transfer bonuses, premium credit cards with rich category bonuses
• Bilt Strengths: Ability to earn points on rent, strong transfer partners like World of Hyatt and Alaska Airlines Atmos Rewards, simple 1:1 transfers with most partners
• Valuations:
  • Amex Membership Rewards: ~2.0 cents per point
  • Bilt Rewards: about ~2.1 cents per point

Bottom Line: Amex is best for travelers who want the broadest set of airline partners and frequent bonuses. Bilt is better for renters and travelers who want consistent value through World of Hyatt, Alaska Airlines Atmos Rewards, and other high quality partners.

Capital One Miles vs Bilt Rewards

Capital One Miles offers a wide range of miles-earning credit cards and strong earning rates, while Bilt Rewards stands out for renters who want to turn a major monthly expense into travel.

• Capital One Strengths: Larger card lineup, more ways to earn through category bonuses, easy travel redemptions at fixed rates
• Bilt Strengths: Earn points on rent with no fees, World of Hyatt and Alaska Airlines Atmos Rewards as standout partners, strong transfer partner list for premium travel
• Valuations:
  • Capital One Miles: ~1.8 cents per mile
  • Bilt Rewards: about ~2.1 cents per point

Bottom Line: Capital One is excellent for travelers who want flexible earning and multiple card options. Bilt is best for renters and for members who want high value hotel and airline redemptions.

Chase Ultimate Rewards vs Bilt Rewards

Chase Ultimate Rewards is known for its premium hotel partner and strong travel protections. Bilt Rewards stands out for high value redemptions and for the ability to earn points through rent and partner programs.

• Chase Strengths: World of Hyatt as a top tier hotel partner, strong travel insurance and protections, boosted redemption rates through the Chase Travel portal
• Bilt Strengths: Earn points on rent, includes both World of Hyatt and Alaska Airlines Atmos Rewards as transfer partners, strong partner list for aspirational travel
• Valuations:
  • Chase Ultimate Rewards: ~2.0 cents per point
  • Bilt Rewards: ~2.1 cents per point

Bottom Line: Chase is ideal for travelers who want strong travel protections and high value hotel redemptions. Bilt is a smart choice for renters and for members who want premium travel options without needing multiple credit cards.

Citi ThankYou Rewards vs Bilt Rewards

Citi ThankYou Rewards offer access to unique airline partners and frequent bonuses. Bilt Rewards offers broader appeal with top hotel partners, a connection to rent, and easy options for everyday earning.

• Citi Strengths: Niche partners like American Airlines AAdvantage, frequent transfer bonuses, strong international award charts
• Bilt Strengths: Ability to earn on rent, strong airline and hotel partner mix, clear path to premium travel through Alaska Airlines Atmos Rewards and World of Hyatt
• Valuations:
  • Citi ThankYou Points: ~1.9 cents per point
  • Bilt Rewards: ~2.1 cents per point

Bottom Line: Citi is great for experienced travelers who enjoy using niche airline programs. Bilt is better for renters and for members who want consistent, high value travel options through one rewards ecosystem.

Final Thoughts

Bilt Rewards has become one of the most valuable options in the world of transferable points, especially for renters who want to turn a major monthly expense into meaningful travel rewards. The program combines strong earning opportunities, high value transfer partners, and flexible redemption choices, which makes it useful for beginners and experienced travelers alike.

Earning points through rent, dining, fitness classes, Lyft rides, Rakuten, and partner offers allows members to build balances quickly without changing everyday habits. When those points are transferred to airline and hotel programs such as World of Hyatt, Alaska Airlines Atmos Rewards, Air Canada Aeroplan, or Virgin Atlantic Flying Club, they can unlock premium travel experiences that often cost far more when paid with cash.

The Bilt Travel Portal provides simple and straightforward redemptions, while non travel options help members manage cash flow when needed. Features like elite status tiers, milestone rewards, and the monthly Rent Day promotions add ongoing value that keeps the program engaging throughout the year.

If your goal is to travel more while spending less, Bilt Rewards offers a clear and accessible path. With a thoughtful strategy, each rent payment and everyday purchase can bring you closer to your next trip and help you build a rewards foundation that supports future travel plans.

Kevin Zanes