For travelers who want to stretch their rewards further, Bilt Rewards is a program that stands out, especially for renters who want to turn a major monthly expense into real travel opportunities. It combines a clear earning structure, flexible redemption options, and a strong network of airline and hotel transfer partners across the world.

At its core, Bilt Rewards keeps earning and using points simple. You can collect points through rent payments, everyday spending, and monthly promotions. Once you build a balance, you can decide exactly how you want to use your points.

What truly elevates the program is its lineup of Bilt Rewards transfer partners. This is where the real power of the program begins. When you transfer your Bilt Points to an airline or hotel partner, you can unlock premium experiences for far fewer points than you might expect.

Instead of being tied to a single loyalty program, Bilt gives you a valuable choice. You can move your points to partners such as Air Canada Aeroplan, Alaska Airlines Atmos Rewards, or World of Hyatt. This flexibility allows you to tailor your points to your travel plans, your schedule, and your long term goals.

If you enjoy the idea of turning everyday spending, including rent, into meaningful travel moments, understanding how Bilt Rewards transfer partners work is the key to unlocking your next level of value.

What Are Bilt Rewards Points

Bilt Rewards is a flexible travel rewards program designed to help travelers earn valuable points through everyday spending. It is the only major program that allows members to earn points on rent payments with no added transaction fee. This single feature sets Bilt apart and makes it especially useful for renters who want to turn a necessary monthly expense into meaningful travel rewards.

With Bilt Rewards, you collect points through rent, dining, travel, and other purchases. Members can earn points through the Bilt Mastercard or through the Bilt Rewards Alliance, which includes many rental communities across the United States. This structure makes the program accessible to a wide range of travelers, even those who do not hold the card.

The greatest strength of Bilt Rewards, however, comes from its transfer partners. Bilt allows you to transfer points to a strong lineup of airline and hotel loyalty programs, often at a 1:1 ratio. These transfers can unlock far higher value, especially when booking international flights, premium cabins, or high quality hotel stays.

Because you can choose between fixed value redemptions or transfers to partners, Bilt Rewards works well for beginners who want simple options and also for experienced travelers who enjoy finding high value sweet spots. It gives you full control to shape each redemption around your travel plans and discover the best way to stretch your points further.

What Is A Transfer Partner

A transfer partner is an airline or hotel loyalty program that allows you to move your rewards from one system – such as Bilt Rewards – into theirs. Once transferred, your Bilt Points become part of that partner’s own currency, such as Air France-KLM Flying Blue miles, Alaska Airlines Atmos Rewards miles, or World of Hyatt points.

The benefit of this system is freedom of choice. Rather than redeeming through the Bilt Rewards Travel portal, you can take your points and use them within your preferred loyalty program. That means access to flights, hotel stays, upgrades, and promotions that may not appear in a standard rewards portal.

For example, transferring Bilt Points to Air Canada Aeroplan might allow you to book a transatlantic flight at a lower mileage cost than you would find elsewhere. Moving them to Marriott Bonvoy could help you enjoy an upscale hotel stay in Paris or Singapore for fewer points than a typical cash booking.

Bilt Rewards Transfer Partners

Bilt Rewards has partnered with several leading airlines and hotels, giving travelers more freedom to choose how and where to redeem their rewards. Most transfers occur at a 1:1 ratio, meaning one Bilt Point equals one partner mile or point. 

Below is the current list of Bilt Rewards transfer partners.

Airline Partners

• 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 Partners

• 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)

Note: 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

How Long Do Bilt Rewards Transfers Take

Transfer times vary depending on the partner, but most are processed quickly enough for travelers to act on award space when they find it. Here is a general guide on how long transfers usually take based on current data from Bilt Rewards:

• Airline Instant Transfers: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, Alaska Airlines Atmos Rewards, Avianca lifemiles, British Airways Executive Club, Emirates Skywards, Etihad Guest, Iberia Plus, Qatar Airways Privilege Club, Southwest Airlines Rapid Rewards, Spirit Airlines Free Spirit, TAP Portugal Miles&Go, Turkish Airlines Miles&Smiles, United Airlines MileagePlus, and Virgin Red / Virgin Atlantic Flying Club
• Airlines Same-Day Transfers (within 24 hours): Cathay Pacific Asia Miles and Japan Airlines Mileage Bank
• Hotel Instant Transfer: Accor Life Limitless, Hilton Honors, IHG One Rewards, Marriott Bonvoy, and World of Hyatt

In most cases, transfers happen quickly enough to book award seats or rooms as soon as you spot them. However, it is best to plan ahead for programs that take longer to update your balance.

Key Things To Watch Out For When Transferring Points

Before transferring your Bilt Points to a partner program, keep these important factors in mind to avoid common issues and maximize value:

• Transfers Are One-Way. Once you move your Bilt Points to a partner, the transaction cannot be reversed. Make sure award availability exists before transferring.
• Account Information Must Match. The name and details on your Bilt Rewards account should match those on your airline or hotel loyalty account to prevent delays or failed transfers.
• New Loyalty Accounts May Take Longer. If you just opened a new partner account, allow extra time for the first transfer to process.
• Avoid Back-to-Back Transfers. Sending multiple transfers to the same partner in quick succession can slow processing. It is best to wait until the first transfer posts before sending another.
• Transfer Times Can Vary. Even when using the same partner, processing times may fluctuate based on system load or verification checks. Always allow a little extra time when planning a redemption.

Why These Partners Matter

The Bilt Rewards transfer partner network spans all three major airline alliances – Star Alliance, SkyTeam, and oneworld – along with multiple global hotel chains. This gives members the ability to redeem across hundreds of airlines and thousands of hotel properties.

How To Transfer Bilt Points To Partners

Transferring Bilt Points to airline and hotel partners is a simple process that gives you full control over how you use your rewards. Once your loyalty accounts are linked, you can move your points from Bilt into the program that offers the best value for your next trip.

Here is a clear, step-by-step guide to help you transfer and redeem Bilt Points with confidence.

Step 1. Log In To Your Bilt Rewards Account

Access the Bilt Rewards website or open the Bilt Rewards app on your phone. Bilt usually keeps you logged in from your last visit, which makes the process faster. If you are logged out, enter your credentials to reach your main dashboard.

Step 2. Navigate To The Rewards Section

From the bottom menu, select “Rewards.” This section shows your current point balance, your earning activity, and your available redemption options.

Step 3. Select Transfer

Inside the Rewards section, choose the “Transfer” tab. This area displays the full list of airline and hotel loyalty programs that accept Bilt Point transfers.

Step 4. Choose Your Transfer Partner

Select the airline or hotel program where you want to send your points. You must have an active loyalty account with that partner before you transfer.

If you do not have a loyalty account yet, you can create one on the partner website. Make sure the name on the account matches the name on your Bilt Rewards profile. Matching names help prevent delays or errors during processing.

Step 5. Link Your Loyalty Program

If this is your first time transferring to a specific partner, you will need to link your account. Enter your membership number and review it carefully. Even small errors can slow down the transfer or cause it to fail.

Once linked, Bilt Rewards will remember your information for future transfers.

Step 6. Enter Your Transfer Amount

Choose how many points you want to transfer. Bilt requires transfers in increments of at least 1,000 points. Blue tier members must transfer at least 2,000 points at a time, while Silver, Gold, and Platinum members can transfer as few as 1,000 points.

Most partners use a 1:1 ratio, although a few hotel programs use different ratios. Review the transfer details before submitting.

Step 7. Review And Confirm

Double check the partner program, loyalty number, transfer minimums, and the number of points you plan to send. Once you confirm the transfer, the process is final. Bilt does not allow points to be returned after they have been sent to a partner.

Select “Submit” when everything is correct.

Step 8. Wait For Points To Arrive

Most Bilt Rewards transfers are instant or post within a few minutes. A few programs may take longer, such as several hours or up to a day. You can check your loyalty account to confirm when the points arrive.

Once the transfer is complete, you are ready to book your flight or hotel stay using your partner program account.

When To Transfer Bilt Points

Because Bilt Rewards transfers are final and non-reversible, it is best to transfer only when you have a confirmed redemption in mind. 

Here are a few tips for deciding when to move your miles:

• Check Award Space First. Always confirm that seats or rooms are available before initiating a transfer.
• Watch for Promotions. Some partners occasionally offer transfer bonuses on Rent Day, giving you more miles or points for every Bilt Rewards point transferred.
• Move Miles Strategically. If you plan a big redemption soon, keep your Bilt Rewards points in your account until you are ready to book. This preserves flexibility – and value.
• Track Expiration Dates. Once miles are transferred, they follow the expiration policy of the partner program, which can vary widely.

How To Maximize The Value Of Bilt Rewards

Getting the most out of your Bilt Points comes down to timing, planning, and smart use of Bilt Rewards transfer partners. Below are quick, actionable strategies to help you unlock higher redemption value and travel further for less.

• 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.
• Focus on Premium Travel Redemptions: Use your points for Business Class or First Class flights and upscale hotels, where redemption rates often deliver the best cents-per-mile value.
• 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 Check Award Space First: Confirm that seats or rooms are available with your chosen partner before transferring, since transfers cannot be reversed.
• 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.
• Stay Informed About New Partners: Bilt Rewards is growing, and new transfer partners can appear anytime, expanding your travel options and potential value.
• Compare Redemption Options: Before booking, check whether transferring to a partner or redeeming directly through the Bilt Rewards Travel portal gives the higher return on your miles.
• Track Expiration Policies: Once transferred, your points follow the partner’s expiration rules, so keep accounts active to protect your balances.
• Book During Off-Peak Periods: Travel during low-demand months to take advantage of reduced award rates and better seat availability.
• Keep Your Accounts Organized: Track transfers and balances in a spreadsheet or app to manage multiple partner programs efficiently.

Each of these small actions can significantly improve how far your Bilt Points go. With careful timing and smart partner use, you can turn every transfer into a high-value travel opportunity – no credit card needed.

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 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.

Final Thoughts

Bilt Rewards offers a simple and flexible way to turn everyday spending, including rent, into valuable travel experiences. The program brings together clear earning opportunities, strong redemption choices, and a growing network of airline and hotel transfer partners. This combination gives travelers more control over how they use their points and more chances to unlock high value trips.

With its wide selection of transfer partners, Bilt connects you to major global airlines and respected hotel groups. These partnerships open the door to premium cabins, quality hotel stays, and special routes that often deliver far more value than fixed redemptions through the Bilt Rewards Travel portal.

If your goal is to enjoy upgraded travel for fewer points, learning how to transfer Bilt Rewards to partners is the most important step. Transfer points only when you are ready to book, explore Rent Day bonuses when available, and choose partners that match your travel plans. These small habits can help you stretch your rewards further and turn your points into meaningful travel moments.

Over time, Bilt Rewards can become a reliable tool that helps you explore more places, enjoy more comfort, and travel for less, all while earning points on rent and everyday spending.

Kevin Zanes