Bilt Rewards

Bilt Points do not expire as long as your account remains open and in good standing. Unlike many other loyalty programs that require activity every 12-24 months, Bilt Points have no activity requirements to keep them from expiring.

However, if you close your Bilt Rewards account or if Bilt closes your account due to inactivity or policy violations, any accumulated points will be forfeited immediately. It’s also worth noting that if you have the Bilt Mastercard and close that account, your points will remain in your Bilt Rewards account as long as you keep that account active.

To ensure your Bilt Rewards account stays active, it’s recommended to have some form of activity at least once every 12 months, even though there’s no official expiration policy based on inactivity.

The Bilt Mastercard requires at least 5 transactions to post to your account each statement period in order to earn points (see Rewards & Benefits). Here are several easy ways to meet this requirement:

1. Set up small recurring payments:
• Streaming services like Netflix, Spotify, or Disney+
• Monthly subscriptions
• Utility bills

2. Make small everyday purchases:
• Coffee or snacks
• Gas station fill-ups
• Grocery items

3. Amazon small purchases:
• Amazon gift card reloads of $0.50 each
• Small digital purchases like e-books or songs

4. Split larger purchases:
• Instead of making one large purchase, split it into multiple smaller transactions
• Pay for a restaurant bill in parts (appetizer, main course, etc.)

5. Automate the process:
• Set calendar reminders before your statement closes
• Use apps that make small recurring charges

Remember that rent payments count as just one transaction, regardless of the amount, so you’ll need four additional transactions each month. It’s best to complete these transactions early in your billing cycle to ensure they post before the statement closes.

The most valuable ways to use Bilt points include:

1. Transfer to World of Hyatt:
• Category 1 hotels (5,000 points per night)
• Category 4 hotels (15,000 points per night)
• Luxury properties like Park Hyatt and Andaz hotels
• No resort fees on award stays
• Consistently delivers 2-3+ cents per point in value

2. Transfer to United MileagePlus:
• Domestic economy flights (often 5,000-12,500 miles one-way)
• No close-in booking fees
• Access to Star Alliance partner awards

3. Transfer to Turkish Airlines Miles & Smiles:
• Domestic United flights for just 7,500 miles one-way in economy
• Business class to Europe for 45,000 miles one-way
• Hawaii for 7,500 miles one-way from the West Coast

4. Transfer to Air Canada Aeroplan:
• Short-haul flights under 500 miles for 6,000 points
• Stopover on one-way awards for 5,000 additional points
• Access to Star Alliance and other partner airlines

5. Transfer to Virgin Atlantic Flying Club:
• Delta One to Europe for 50,000 points one-way
• ANA First Class for 60,000-70,000 points one-way

For maximum value, always compare the cash price of a flight or hotel stay to the points required to determine if you’re getting at least 1.8 cents per point in value (Bilt’s average value). Transfers during Rent Day promotions with transfer bonuses can provide even greater value.

Bilt Rent Day occurs on the first day of each month and offers enhanced benefits and promotions for Bilt members. Here’s how it works:

Double points earning:
• Bilt Mastercard holders earn 2x points on all purchases made during Rent Day (excluding rent payments)
• This means 6x on dining, 4x on travel, and 2x on all other purchases
• Maximum of 1,000 bonus points can be earned through this double points promotion

Transfer bonuses:
• Bilt frequently offers enhanced transfer bonuses to airline and hotel partners
• Past bonuses have included up to 150% to Emirates Skywards and 100% to Alaska Airlines
• Transfer bonuses are often tiered based on your Bilt status level (higher status = better bonuses)

“Rent Free” game:
• Interactive trivia-style game show available in the Bilt app
• Opportunity to win free rent (up to $2,500) or bonus points
• The top 10 players win free rent, and the next 600 top scorers win Bilt points

Special promotions:
• Limited-time offers with Bilt partners
• Past examples include 2-for-1 cruise fares with Virgin Voyages
• Exclusive merchandise or experiences

Timing:
• Rent Day runs from 12:00 a.m. EST to 11:59 p.m. PST on the first day of each month
• All qualifying transactions must be made within this timeframe
• Transactions must post to your account (not just be pending) to earn the bonus points

To maximize Rent Day benefits, plan major purchases for this day, check the app for special promotions, and consider making transfers to partners with active bonuses.

Bilt makes it easy to pay rent and earn points even if your landlord isn’t part of the Bilt Rewards Alliance. Here’s how it works:

Option 1: Bilt sends a check
• Enter your rent amount and due date in the Bilt app
• Provide your landlord’s name and mailing address
• Bilt will charge your Bilt Mastercard and mail a physical check to your landlord
• Checks are typically sent 5-7 days before your rent due date
• You’ll earn 1 point per dollar with no transaction fees (rates & fees)

Option 2: Online rent portal
• If your landlord has an online payment system, you can link your Bilt Mastercard
• Process the payment through your landlord’s existing portal
• Bilt will charge your card with no transaction fees (rates & fees)
• You’ll earn 1 point per dollar up to 100,000 points per calendar year

Option 3: Venmo payments
• If your landlord accepts Venmo, you can pay through the Bilt app
• Link your Venmo account to Bilt
• Bilt will process the payment with no transaction fees (rates & fees)
• You’ll earn 1 point per dollar

Important notes:
• You must use the Bilt Mastercard to avoid transaction fees
• You’ll earn a minimum of 250 points per rent payment, even if your rent is less than $250
• You can only make one rent payment per month through Bilt
• You must make at least 5 transactions on your Bilt card each statement period to earn points

This flexibility allows virtually any renter to earn points on their largest monthly expense without incurring fees, regardless of whether their landlord formally partners with Bilt.

Bilt Rewards has four status tiers that provide increasing benefits as you move up the ladder. Here’s how the status system works:

Qualification methods:
There are two ways to qualify for Bilt status:

1. Points earned in a calendar year:
• Silver: 50,000 points
• Gold: 125,000 points
• Platinum: 200,000 points

2. Eligible spend in a calendar year:
• Silver: $10,000
• Gold: $25,000
• Platinum: $50,000

Eligible spend includes:
• Purchases made with the Bilt Mastercard (excluding rent)
• SoulCycle classes booked through the Bilt app
• Bilt Dining restaurant purchases
• Lyft rides with Bilt as your rewards partner
• Bookings made via Bilt’s travel portal

Status validity:
• Status is valid for the remainder of the calendar year in which you qualify
• Plus the entire following calendar year
• Status is evaluated annually on January 1

Key benefits by tier:

Blue (basic membership):
• Access to the Bilt Rewards program
• Ability to earn and redeem points
• Minimum 2,000-point transfers to partners

Silver:
• Interest on points balance
• Reduced minimum transfer amount (1,000 points)
• 10% bonus points on new leases/renewals
• Enhanced Rent Day transfer bonuses

Gold:
• Higher interest rate on points balance
• 25% bonus points on new leases/renewals
• Access to homeownership concierge
• Better Rent Day transfer bonuses

Platinum:
• Highest interest rate on points balance
• 50% bonus points on new leases/renewals
• Complimentary BLADE helicopter flight
• Bilt Collection gift
• Premium Rent Day transfer bonuses
• Flying Blue Gold status match opportunity

You’ll receive the higher of the two statuses you qualify for (points earned or eligible spend), and there’s no need to choose your qualification method—Bilt automatically gives you the highest status you’re eligible for.