What You Get by Signing Up for the Free Bilt Rewards Program and Why You Should

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Bilt Rewards started as a way to earn points on rent, but the program has grown well beyond monthly housing payments. Through Bilt Neighborhood, members can now earn rewards on dining, fitness classes, rideshare purchases, and more — even without carrying the Bilt Mastercard^®.

That makes Bilt one of the rare loyalty programs worth joining before you have a specific redemption in mind. Opening an account is free, and once you’re in, you can start earning transferable points on purchases you may already be making.

Let's take a look at Bilt Rewards, how it works, and why you should sign up for an account.

What Is Bilt Rewards?

Bilt Rewards is a payments and rewards program that allows you to earn points on everyday spending. It's best known for allowing members to earn rewards on rent. But with the Bilt 2.0 launch, you can now earn points on your mortgage and HOA payments. To earn points on housing payments with no transaction fee, you’ll need one of the three Bilt credit cards.

You can also pay with other credit cards, but there’s a trade-off. Bilt charges a 3% transaction fee on most non-Bilt cards, and most cards earn just 1X Bilt Point per $1 spent on housing payments. However, a few cards earn more:

• Atmos™ Rewards Ascent Visa Signature^® card: Earns 3X Alaska miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• : Earns 3X Alaska miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• United Gateway℠ Card (Rates & Fees): Earns 2X United miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• United℠ Explorer Card (Rates & Fees): Earns 2X United miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• United Quest℠ Card (Rates & Fees): Earns 2X United miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• United Club℠ Card (Rates & Fees): Earns 2X United miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• United℠ Presidential Plus℠ Card: Earns 2X United miles on housing payments made through Bilt, up to $50,000 a year, with a 3% fee.
• Air France KLM Visa Signature^® Credit Card: Earn 3X Flying Blue miles on housing payments made through Bilt, up to $50,000 a year (then 1.5X miles), with a 3% fee.

Credit: aurora.kreativ/Unsplash

Other credit cards will earn their standard rewards on these payments, plus 1X Bilt point per $1 through Bilt Rewards. For example, the Capital One Venture Rewards Credit Card earns 2X Capital One miles per $1 spent on all purchases, which would apply to these payments.

According to recent AwardWallet user redemptions, Capital One miles are worth an average of 2.04¢ each, while Bilt Rewards average 2.07¢ in value.

Depending on how you redeem your rewards, that combination could be enough to offset the 3% fee — but you’ll want to run the math before using a non-Bilt card for rent or other housing payments.

Other ways to earn Bilt Rewards include:

• Lyft rides (you'll need to link your accounts)
• Rakuten
• Walgreens spending
• Dining
• Travel
• Parking
• Buying a home

Credit: Bilt

For Walgreens purchases, travel, dining, and other Bilt Neighborhood spending, you'll need to link any of your credit cards to your Bilt account; purchases will then be automatically tracked and rewards deposited to your Bilt account.

Related: Purchase a Home Through eXp Realty, Earn Bilt Rewards

The Benefits of Bilt Rewards

It's free to make a Bilt account, and you don't need to open a credit card to start earning points. It's also one of the few programs that let you earn points for your housing payments, as well as in a variety of other ways.

But what truly sets Bilt apart is its lucrative promotions. Not only can you redeem your Bilt Rewards in a variety of ways, but Bilt's monthly Rent Day promotion also gives you huge perks on the first of each month.

Bilt Rent Day

Bilt Rent Day, held on the first day of each month, offers rotating benefits to members. Promotions vary from month to month and can differ depending on your Bilt elite status level.

Here are some of the perks you may find during Rent Day:

• Transfer bonuses on points to one of Bilt's 25 transfer partners
• Free workout classes
• Doubled rewards on purchases, up to 1,000 Bilt points, if you have a Bilt credit card

This list may not look exciting at first glance, but Rent Day can be valuable. In the past, Bilt has offered large transfer bonuses to members with top-tier elite status — sometimes allowing them to more than double the value of their points.

Redeeming Bilt Rewards

As mentioned earlier, Bilt allows you to redeem points in several ways. The value you'll get varies, but options include:

• Transferring to Bilt travel partners
• Booking travel within the Bilt travel portal
• Down payment on a house
• Shopping with Amazon
• Paying rent
• Paying student loans
• Gift cards
• Other online shopping

Maximizing Bilt Rewards

Once you've signed up for a Bilt Rewards account, there are several ways to earn Bilt points, including:

Earn Bilt elite status

Bilt offers elite status. In addition to the base level, there are three tiers of Bilt elite status:

• Blue: All members
• Silver: 50,000 points or $10,000 in spend
• Gold: 125,000 points or $25,000 in spend
• Platinum: 200,000 points or $50,000 in spend

Those who have a Bilt credit card like the Bilt Blue Card (Rates & Fees) are eligible for fast-tracked Bilt elite status via spending, while those without a card must meet the standard points-earned threshold.

There are a few different benefits to elite status, including the ability to earn interest on your points, a Flying Blue status match, a complimentary BLADE flight, and better transfer bonuses.

Credit: Bilt

Bilt's Rent Day perk can be the most lucrative. For example, in May 2026, Bilt's Rent Day offered a transfer bonus to British Airways Club — though the rate varied. Blue members received a 40% bonus, while those with Platinum status received a 75% transfer bonus!

Don't have Bilt status? You can use Bilt Cash to “buy up” to a higher tier before taking advantage of a status-based promotion.

Note: Bilt Cash expires at the end of each calendar year. Up to $100 of Bilt Cash earned rolls over to the next year.

Open a Bilt credit card

If you have a housing payment, holding a Bilt credit card may be a way to pay your rent without fees, plus earn points on purchases. There are now three Bilt Rewards credit cards, each with its own distinct earning structure.

The most familiar to those who had the “old” Bilt credit card is the Bilt Blue Card. With no annual fee, you'll earn 1X Bilt points on eligible purchases, plus 4% Bilt Cash. You'll also be able to redeem Bilt Cash for fee-free housing payments that earn Bilt points (Offer Terms).

The midtier option is the Bilt Obsidian Card (Rates & Fees). You'll earn 3X points on your choice of grocery (up to $25,000 per year), or dining, plus 4% Bilt Cash. You'll also earn 1X points on everyday purchases (Offer Terms).

Finally, the Bilt Palladium Card (Rates & Fees) is the top-tier card in the program. You'll earn 2X points on all purchases made with the card, plus 4% Bilt Cash (Offer Terms).

Keep in mind that Obsidian and Palladium cardholders can use Bilt Cash to activate a Points Accelerator. This lets you earn 1X bonus points on the next $5,000 in everyday spending after activation. Each activation costs $200 in Bilt Cash, and cardholders can activate this benefit up to five times per year. The accelerator expires after $5,000 in eligible everyday spending or at the end of the calendar year, whichever comes first.

Transfer points to partners

To really maximize your Bilt points, you'll want to transfer them to one of Bilt's hotel and airline partners. They're among the best offered by any flexible point currency and include options you won't find anywhere else.

Is Bilt Rewards Worth It?

Bilt Rewards is free to join and use, and it offers free monthly benefits. For many people, that makes signing up an easy choice — especially if you can earn points through Bilt Neighborhood or on housing payments.

The value gets stronger for those who spend a lot on rent, mortgage, or HOA payments. Pairing a Bilt account with a Bilt credit card can make it easier to earn points without paying transaction fees on eligible housing payments.

The Bottom Line

Bilt Rewards is a transferable points program competing with the likes of American Express Membership Rewards and Chase Ultimate Rewards. Despite being newer than these programs, Bilt stands out for its ability to earn rewards on rent and other housing payments. Its expanded credit card lineup, Bilt Neighborhood earning options, and monthly Rent Day promotions make it a program worth considering — even if you don’t have a Bilt card yet.

For rates and fees of the cards mentioned in this post, please visit the following links: United Gateway℠ Card (Rates & Fees), United℠ Explorer Card (Rates & Fees), United Quest℠ Card (Rates & Fees), United Club℠ Card (Rates & Fees), Bilt Blue Card (Rates & Fees), Bilt Obsidian Card (Rates & Fees), and Bilt Palladium Card (Rates & Fees)