{"id":284827,"date":"2026-11-10T23:49:27","date_gmt":"2026-11-10T23:49:27","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=284827\/"},"modified":"2026-11-10T20:13:57","modified_gmt":"2026-11-10T20:13:57","slug":"heres-how-to-keep-earning-bilt-cash-in-2027-and-whether-you-should","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/earning-bilt-cash-starting-2027\/","title":{"rendered":"Here&#8217;s How To Keep Earning Bilt Cash In 2027 \u2014\u00a0And Whether You Should"},"content":{"rendered":"<p>Starting in 2027, Bilt is <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/bilt-rewards\/bilt-program-updates-2027\/\" rel=\"noopener\">phasing out its Flexible Bilt Cash option<\/a>. On your next account anniversary, you'll automatically transition to the Housing-only option, which earns up to 1.25X Bilt Points on rent and mortgage payments.<\/p>\n<p>Current cardholders can opt out before their next card anniversary to continue to earn 4% back in Bilt Cash <a href=\"https:\/\/www.biltrewards.com\/terms\/bilt-card-offer-terms\" target=\"_blank\" rel=\"noopener\">(Offer Terms)<\/a> on everyday purchases with a Bilt card. However, it\u2019s a one-way choice, and you can't change your mind once your anniversary passes.<\/p>\n<p>Here\u2019s how to keep Bilt Cash and how to decide if it\u2019s worth keeping.<\/p>\n<p class=\"remark\"><strong><em>Note: <\/strong>Bilt Cash expires at the end of the month, 12 months after it's earned.<\/em><\/p>\n<h2><span id=\"Whats_Changing_With_Bilt_Cash_in_2027\">What\u2019s Changing With Bilt Cash in 2027<\/span><\/h2>\n<p>Currently, Bilt cardholders have two choices for earning bonus rewards. The Flexible Bilt Cash option earns 4% back in Bilt Cash on everyday purchases, which can be redeemed to unlock up to 1X points on rent or mortgage payments. If you choose Housing-only rewards, you don't earn any Bilt Cash. Instead, you'll get up to 1.25X points on housing payments, based on how much you spend on the card during that billing cycle.<\/p>\n<p>But the Bilt Cash option, as it stands, will be phased out. Here\u2019s the timeline for the changes:<\/p>\n<ul>\n<li><strong>Starting October 27, 2026, for everyone:<\/strong> Bilt Cash expires at the end of the month, 12 months after you earn it (instead of on December 31 of the year it was earned).<\/li>\n<li><strong>January 1, 2027:<\/strong> New card accounts use the Housing-only option, and Flexible Bilt Cash is no longer offered. Bilt Cash can be used on Bilt Travel hotel bookings only twice a year, capped by status.<\/li>\n<li><strong>Your first card anniversary in 2027: <\/strong>Cards switch to Housing-only rewards and new annual credits (unless you opt out).<\/li>\n<\/ul>\n<p>Bilt used to allow only $100 of Bilt Cash to roll over per year, with the rest expiring December 31 in the year it was earned. But all Bilt Cash earned will now have a 12-month rolling expiration, which Bilt already tracks on its site. This is a significant improvement from the old system, especially with Bilt Cash earned later in the year.<\/p>\n<figure id=\"attachment_284829\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"378\/334\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\" wp-image-284829 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.25.11-PM-750x662.png\" alt=\"Bilt Cash expiration from Bilt website.\" width=\"378\" height=\"334\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.25.11-PM-750x662.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.25.11-PM-900x794.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.25.11-PM-768x677.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.25.11-PM.png 1238w\" sizes=\"(max-width: 378px) 100vw, 378px\" \/><center><em>Screenshot of Bilt<\/em><\/enter><\/figure>\n<p>Starting with the next card anniversary, <a data-ccid=\"212\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-palladium-card\/\">Bilt Palladium Card<\/a>  (<a data-ccid=\"212\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and <a data-ccid=\"259\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-obsidian-card\/\">Bilt Obsidian Card<\/a>  (<a data-ccid=\"259\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) cardholders will earn annual Bilt Cash credits instead of Bilt Travel Hotel credits, unless they opt out and keep Flexible Bilt Cash:<\/p>\n<ul>\n<li>The Obsidian Card gets a $100 annual Bilt Cash credit on each card account anniversary, instead of a $100 Bilt Travel Hotel credit (which was applied twice a year, as $50 statement credits)<\/li>\n<li>The Palladium Card gets a $600 annual Bilt Cash credit on each card account anniversary, instead of the $200 annual Bilt Cash credit and the $400 Bilt Travel Hotel credit (which was applied twice a year, as $200 statement credits)<\/li>\n<\/ul>\n<h2><span id=\"How_To_Keep_Earning_Bilt_Cash\">How To Keep Earning Bilt Cash<\/span><\/h2>\n<p>If you want to keep the Flexible Bilt Cash option, it only takes a minute to opt out in the Bilt app. Go to the <strong>&#8220;<\/strong><strong>Wallet&#8221;<\/strong> tab, select your Bilt card, then choose <strong>&#8220;<\/strong><strong>Manage card<\/strong>.<strong>&#8220;<\/strong> Find <strong>&#8220;<\/strong><strong>Bonus rewards&#8221;<\/strong> toward the bottom, then open <strong>&#8220;<\/strong><strong>Choose your rewards<\/strong>.&#8221;<\/p>\n<p>Here's what you'll see:<\/p>\n<figure id=\"attachment_284831\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"448\/490\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\" wp-image-284831 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.42.32-PM-750x820.png\" alt=\"How to opt out of Bilt Cash changes from Bilt website.\" width=\"448\" height=\"490\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.42.32-PM-750x820.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.42.32-PM-900x984.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.42.32-PM-768x840.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.42.32-PM.png 962w\" sizes=\"(max-width: 448px) 100vw, 448px\" \/><center><em>Screenshot of Bilt<\/em><\/enter><\/figure>\n<p>Choose <strong>&#8220;<\/strong><strong>Flexible Bilt Cash&#8221;<\/strong> and then <strong>&#8220;<\/strong><strong>Save<\/strong>.<strong>&#8220;<\/strong> Check for the confirmation screen. You should see that you\u2019re keeping Flexible Bilt Cash.<\/p>\n<figure id=\"attachment_284832\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"398\/393\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\" wp-image-284832 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.41.03-PM-750x741.png\" alt=\"Confirmation of opting out of Bilt Cash changes.\" width=\"398\" height=\"393\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.41.03-PM-750x741.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.41.03-PM-900x889.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.41.03-PM-768x759.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/11\/Screenshot-2026-11-04-at-3.41.03-PM.png 1134w\" sizes=\"(max-width: 398px) 100vw, 398px\" \/><center><em>Screenshot of Bilt<\/em><\/enter><\/figure>\n<h3><span id=\"Opt-out_deadline\">Opt-out deadline<\/span><\/h3>\n<p><strong>If you want to opt-out, you must do so before your card account anniversary<\/strong>, which is a different date for everyone. The same screen that shows the opt-out confirmation also shows when your card is scheduled to switch. If you picked up your Bilt card when the new card lineup launched in early 2026, your anniversary likely falls in February 2027.<\/p>\n<p>But there's no need to wait, and you aren't permanently locked in until your card anniversary. If you keep Flexible Bilt Cash, you can still move to Housing-only rewards later, but you can\u2019t come back after that.<\/p>\n<p>If you\u2019re using Housing-only rewards right now and want to switch, don't wait until the last minute. Changes to your bonus rewards mode take effect the following statement period, and some people reported that Flexible Bilt Cash needs to be the selected mode when you opt out.<\/p>\n<h2><span id=\"Comparing_Your_Choices\">Comparing Your Choices<\/span><\/h2>\n<p>Here's the comparison of what you'll have if you opt out and keep Flexible Bilt Cash vs. letting it switch to housing-only rewards:<\/p>\n\n<table id=\"tablepress-1422\" class=\"tablepress tablepress-id-1422 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">&nbsp;<\/th><th class=\"column-2\">Flexible Bilt Cash<\/th><th class=\"column-3\">Housing-only Rewards<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Everyday spending<\/td><td class=\"column-2\">4% back in Bilt Cash, on top of points<\/td><td class=\"column-3\">No Bilt Cash from spending<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Rent and mortgage<\/td><td class=\"column-2\">Up to 1X points, unlocked with Bilt Cash ($30 per 1,000 points)<\/td><td class=\"column-3\">Up to 1.25X points, based on spending<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Bilt Palladium Card credits<\/td><td class=\"column-2\">$200 annual Bilt Cash + $400 Bilt Travel Hotel credit ($200 semi-annual statement credits)<\/td><td class=\"column-3\">$600 annual Bilt Cash<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Bilt Obsidian Card credits<\/td><td class=\"column-2\">$100 Bilt Travel Hotel credit ($50 semi-annual statement credits)<\/td><td class=\"column-3\">$100 annual Bilt Cash<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Point Accelerators (available to Palladium Card and Obsidian Card holders)<\/td><td class=\"column-2\">Yes, funded by your 4% Bilt Cash<\/td><td class=\"column-3\">Yes, funded by your annual credit<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Can you switch later?<\/td><td class=\"column-2\">One-way permanent move to Housing-only after your card anniversary<\/td><td class=\"column-3\">No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2><span id=\"Why_You_Might_Want_to_Keep_Bilt_Cash\">Why You Might Want to Keep Bilt Cash<\/span><\/h2>\n<p>For many people, it's likely better to keep the Flexible Bilt Cash option. Even if you aren't sure, you can still move to Housing-only rewards if it stops working for you. But if you make the switch, that's it. Here's why I think it's worth keeping.<\/p>\n<h3><span id=\"Point_Accelerators_pay_for_themselves\">Point Accelerators pay for themselves<\/span><\/h3>\n<p>Obsidian Card and Palladium Card holders can activate up to five Point Accelerators per year for $200 in Bilt Cash each, which adds a bonus point on the next $5,000 of everyday spending. You'll want to time these accordingly, though, as they will expire at the end of the calendar year, even if you haven't finished spending.<\/p>\n<p>Under the current format, you earn enough Bilt Cash to fund your next accelerator. When you spend $5,000, you'll earn exactly $200 in Bilt Cash. On the Palladium Card, that earns up to 25,000 bonus points.<\/p>\n<p>But if you switch, that math no longer works. Palladium Card holders get $600 in Bilt Cash a year, enough for three accelerators. Obsidian Card holders only get $100, which doesn\u2019t cover even one. And since you don't earn Bilt Cash on spending, using all five accelerators becomes much harder.<\/p>\n<h3><span id=\"Palladium_Card_holders_can_still_stack_hotel_credits\">Palladium Card holders can still stack hotel credits<\/span><\/h3>\n<p>Opting out means you'll keep the $400 Bilt Travel Hotel credit, issued as two $200 semi-annual statement credits on <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-travel-portal\/\" rel=\"noopener\">Bilt Travel Portal<\/a> stays of two nights or more. You can still stack that with up to $100 in Bilt Cash per booking with Gold or Platinum <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-elite-status\/\" rel=\"noopener\">elite status<\/a>. But if you switch to the new option, you won't get the credits and will earn $600 in Bilt Cash instead.<\/p>\n<p><strong>Related:<\/strong>\u00a0<strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/bilt-rewards\/bilt-cash\/\" rel=\"noopener\">Bilt Cash Explained<\/a>\u00a0<\/strong><\/p>\n<h2><span id=\"Why_I8217m_Keeping_Flexible_Bilt_Cash\">Why I'm Keeping Flexible Bilt Cash<\/span><\/h2>\n<p>I hold the Palladium Card, and <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/why-i-love-bilt-palladium-card\/\" rel=\"noopener\">I love the card<\/a>. I pay my $880 monthly mortgage through Bilt, and spend $25,000 a year on the card to max out all five Point Accelerators. Here\u2019s how the math would look for me:<\/p>\n\n<table id=\"tablepress-1423\" class=\"tablepress tablepress-id-1423 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">&nbsp;<\/th><th class=\"column-2\">Keep Flexible Bilt Cash<\/th><th class=\"column-3\">Housing-only rewards<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Bilt Cash<\/td><td class=\"column-2\">$1,000 (4% of $25,000) + $200 annual + $150 in milestones = $1,350<\/td><td class=\"column-3\">$600 annual + $150 in milestones = $750<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Point Accelerators<\/td><td class=\"column-2\">5 ($1,000 in Bilt Cash) = 25,000 bonus points<\/td><td class=\"column-3\">3 ($600) = 15,000 bonus points<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Mortgage points<\/td><td class=\"column-2\">10,560 at 1X ($316.80 in Bilt Cash)<\/td><td class=\"column-3\">13,200 at 1.25X (assuming I spend at least $880 per month)<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Hotel credits<\/td><td class=\"column-2\">$400<\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Base earnings stay the same. Housing-only wins on the mortgage by 2,640 points, but Flexible Bilt Cash is better everywhere else: 7,360 more bonus points overall, which are worth roughly $157 based on recent <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/point-mile-values\" rel=\"noopener\">AwardWallet user redemptions<\/a>. Plus, $400 in hotel credits I already use.<\/p>\n<h2><span id=\"When_Housing-Only_Rewards_Makes_More_Sense\">When Housing-Only Rewards Makes More Sense<\/span><\/h2>\n<p>Housing-only rewards scale up with your everyday card spending in a billing cycle compared to your housing payment:<\/p>\n<ul>\n<li><strong>Spend at least 25% of your housing payment:<\/strong> 0.5X points on the payment<\/li>\n<li><strong>At least 50%:<\/strong> 0.75X<\/li>\n<li><strong>At least 75%:<\/strong> 1X<\/li>\n<li><strong>100% or more:<\/strong> 1.25X<\/li>\n<\/ul>\n<p>For example, on a $2,000 rent payment, any amount spent between $1,000 and $1,499 earns 0.75X. You'd start earning 1X at $1,500. And if you spend below 25%, you'll earn a flat 250 points.<\/p>\n<p>This option could work in certain circumstances, such as:<\/p>\n<ul>\n<li><strong>Your spending consistently matches your housing payment.<\/strong> Earning 1.25X every month can be more valuable the bigger your housing payment is.<\/li>\n<li><strong>You don\u2019t use Point Accelerators.<\/strong> This is the best use of Bilt Cash, but if you don't use them, or have a <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a>  (<a data-ccid=\"260\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), this doesn't matter for you.<\/li>\n<li><strong>Bilt Cash is too confusing.<\/strong> The already-confusing Bilt Cash now has rolling expiration dates and redemption caps. You might prefer the simplicity of the Housing-only model.<\/li>\n<li><strong>You transfer points for outsized value.<\/strong> If you regularly get 2 cents or more per point through <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-transfer-partners\/\" rel=\"noopener\">Bilt's transfer partners<\/a>, the extra housing points can be worth more than having Bilt Cash.<\/li>\n<\/ul>\n<h2><span id=\"What_Cardholders_Should_Do\">What Cardholders Should Do<\/span><\/h2>\n<p>Your Bilt credit card can help you decide whether to opt out. Here's my recommendation:<\/p>\n<ul>\n<li><strong>Palladium Card (read <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-palladium-card\/\" rel=\"noopener\">our full review<\/a>):<\/strong> Keeping Flexible Bilt Cash is the better move if you use more than three Point Accelerators a year or you can use both hotel credits. That easily covers the annual fee. Housing-only makes sense if you have a large housing payment with card spending that matches it, and don't use the Bilt Travel hotel credits.<\/li>\n<li><strong>Obsidian Card (read <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-obsidian-card\/\" rel=\"noopener\">our full review<\/a>):<\/strong> Keeping Flexible Bilt Cash is the clear choice. With Housing-only rewards, the $100 hotel credit becomes $100 in Bilt Cash, which isn't enough for a single Point Accelerator. The Flexible Bilt Cash earns 3X on dining or grocery spending plus 4% back in Bilt Cash, which helps you earn enough to use accelerators while keeping the hotel credit.<\/li>\n<li><strong>Blue Card (read <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\" rel=\"noopener\">our full review<\/a>):<\/strong> If your spending meets or exceeds your housing payment every month, Housing-only\u2019s 1.25X is the better choice. But if you regularly land below 75% of your payment, Bilt Cash is likely better.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-cards\/\" rel=\"noopener\">Bilt Credit Cards Comparison<\/a><\/strong><\/p>\n<h3><span id=\"If_you8217re_not_a_cardholder_yet_or_thinking_about_switching_cards\">If you're not a cardholder yet or thinking about switching cards<\/span><\/h3>\n<p>If you aren't a cardholder, but want to get in on Flexible Bilt Cash, you\u2019ll need to be approved for a Bilt card by December 31, 2026. Accounts opened on or after January 1, 2027, will all get Housing-only rewards. Bilt's default option is now Housing-only, so make sure to choose Flexible Bilt Cash, then opt out before your first card anniversary.<\/p>\n<p dir=\"ltr\">If you want to change your card product, you may want to do it before the end of the year, in case you end up stuck with Housing-only rewards.<\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>If you want to keep your Flexible Bilt Cash option, make sure you opt out before your card anniversary. It's a quick process and typically makes sense for most cardholders. If it stops working for you, you can always switch later. Take some time to review your spending to make sure you're optimizing your Bilt credit card rewards.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bilt\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/CardArt-BiltObsidianCard.png\" width=\"150\" alt=\"Bilt Obsidian Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Obsidian Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $200 of Bilt Cash when you apply and get approved<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Bilt Obsidian Card' data-ccid=\"259\" data-exit=\"ccw\" href=\"\/blog\/link\/BiltObsidianCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"259\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 1.25X points on rent and mortgage payments with no transaction fee.<\/li>\r\n<li>3X points on your choice of grocery (up to $25K\/year) or dining. Your 3X category choice remains in effect for the entire calendar year.<\/li>\r\n<li>2X points on travel<\/li>\r\n<li>1X points on everyday spend<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/CardArt-BiltPalladiumCard.png\" width=\"150\" alt=\"Bilt Palladium Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Palladium Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Bilt Palladium Card' data-ccid=\"212\" data-exit=\"ccw\" href=\"\/blog\/link\/BiltPalladiumCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$495<span class=\"compare-terms\"><a data-ccid=\"212\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 1.25X points on rent and mortgage payments with no transaction fee.<\/li>\r\n<li>2X points on everyday spend<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/CardArt-BiltBlueCard.png\" width=\"150\" alt=\"Bilt Blue Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Blue Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $100 of Bilt Cash when you apply and get approved.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Bilt Blue Card' data-ccid=\"260\" data-exit=\"ccw\" href=\"\/blog\/link\/BiltBlueCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"260\" href=\"https:\/\/legal.cardless.com\/rates_and_fees\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 1.25X points on rent and mortgage payments with no transaction fee.<\/li>\r\n<li>1X points on everyday spend.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Whats_Changing_With_Bilt_Cash_in_2027\">What\u2019s Changing With Bilt Cash in 2027<\/a><\/li><li><a href=\"#How_To_Keep_Earning_Bilt_Cash\">How To Keep Earning Bilt Cash<\/a><ul><li><a href=\"#Opt-out_deadline\">Opt-out deadline<\/a><\/li><\/ul><\/li><li><a href=\"#Comparing_Your_Choices\">Comparing Your Choices<\/a><\/li><li><a href=\"#Why_You_Might_Want_to_Keep_Bilt_Cash\">Why You Might Want to Keep Bilt Cash<\/a><ul><li><a href=\"#Point_Accelerators_pay_for_themselves\">Point Accelerators pay for themselves<\/a><\/li><li><a href=\"#Palladium_Card_holders_can_still_stack_hotel_credits\">Palladium Card holders can still stack hotel credits<\/a><\/li><\/ul><\/li><li><a href=\"#Why_I8217m_Keeping_Flexible_Bilt_Cash\">Why I'm Keeping Flexible Bilt Cash<\/a><\/li><li><a href=\"#When_Housing-Only_Rewards_Makes_More_Sense\">When Housing-Only Rewards Makes More Sense<\/a><\/li><li><a href=\"#What_Cardholders_Should_Do\">What Cardholders Should Do<\/a><ul><li><a href=\"#If_you8217re_not_a_cardholder_yet_or_thinking_about_switching_cards\">If you're not a cardholder yet or thinking about switching cards<\/a><\/li><\/ul><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bilt is retiring its Flexible Bilt Cash option in 2027. Current cardholders have until their card anniversary to opt out and keep earning 4% back in Bilt Cash. Here\u2019s where to find the setting in the Bilt app and whether keeping it pays off for your card.<\/p>\n","protected":false},"author":81,"featured_media":248622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12055],"tags":[36370,12520],"coauthors":[36435],"class_list":["post-284827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bilt-rewards","tag-card-benefits"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/284827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=284827"}],"version-history":[{"count":17,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/284827\/revisions"}],"predecessor-version":[{"id":285487,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/284827\/revisions\/285487"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=284827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=284827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=284827"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=284827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}