As of April 2026 — Updated to reflect all Bilt Card 2.0 changes, the new three-card lineup, and both housing rewards options.
Let’s be real: your housing payment is almost certainly your single biggest monthly expense. For years, that check — whether to your landlord or your mortgage servicer — earned you absolutely nothing. No points. No cash back. No miles toward that business-class seat you’ve been dreaming about. Bilt Rewards changed the game when it launched the original Bilt Mastercard, and in February 2026, it blew the doors off the room entirely with Bilt Card 2.0.
What you’re getting here is the most complete breakdown of the updated Bilt guidelines you’ll find anywhere. We’re going deep on all three cards — the Blue, Obsidian, and Palladium — plus both earning options for rent and mortgage, the Bilt Cash system, the Housing-Only tiered structure, and exactly which path makes the most financial sense for your situation. By the end of this post, you’ll know exactly which Bilt card belongs in your wallet and how to maximize every dollar you spend on housing.
What Is Bilt Card 2.0? The Big Picture First
If you had the original Wells Fargo-issued Bilt Mastercard, you remember how simple it was: earn 1x on rent (up to 100,000 points per year), make five transactions per month, and collect points with no annual fee. Elegant, but limited.
Bilt Card 2.0 is a completely different product. On January 14, 2026, Bilt launched three new credit cards — the Bilt Blue, Bilt Obsidian, and Bilt Palladium — now issued by Column N.A. (Member FDIC) and serviced by Cardless, replacing the Wells Fargo partnership entirely. The headline feature that has the entire points community buzzing: you can now earn Bilt Points on eligible mortgage payments, not just rent.
The old Wells Fargo Bilt Mastercard was deactivated on February 6, 2026. Existing cardholders who didn’t transition were automatically converted to a Wells Fargo Autograph Card — which, for the record, can’t earn points on housing at all, so the incentive to switch was very real.
What Changed vs. Card 1.0: The Quick Summary
| Feature | Bilt Card 1.0 (Wells Fargo) | Bilt Card 2.0 (Cardless) |
|---|---|---|
| Issuer | Wells Fargo | Column N.A. / Cardless |
| Number of Cards | 1 | 3 (Blue, Obsidian, Palladium) |
| Annual Fee | $0 | $0 / $95 / $495 |
| Welcome Bonus | None | Up to 50,000 pts + Gold Status |
| Earn on Rent | 1x (up to 100k pts/year) | Up to 1.25x (no annual cap) |
| Earn on Mortgage | No | Yes — any lender |
| 5-Transaction Requirement | Yes | No (replaced with spend tiers) |
| Bilt Cash | No | Yes (optional currency) |
| Housing Points Cap | 100,000 pts/year | Unlimited |
| Multiple Homes | Limited | Yes, earn on multiple properties |
The Three Bilt Cards: Full Breakdown
One of the biggest shifts with Bilt 2.0 is that there’s now a card for every type of spender. Here’s the full rundown on each one.
Bilt Blue Card — Best For: Fee-Averse Renters Who Want to Get Started
- Annual Fee: $0
- Welcome Offer: $100 in Bilt Cash upon approval
- Earning Rate: 1x Bilt Points on all eligible everyday purchases
- Housing Earning: Up to 1.25x on rent/mortgage (Housing-Only option) or up to 1x via Bilt Cash redemption
- Bilt Cash Option: 4% back in Bilt Cash on everyday spend
- Intro APR: 10% for the first 12 billing cycles
- Foreign Transaction Fees: None
- Mastercard Level: World Elite
The Blue Card is the “just get me in the ecosystem” option. The $0 annual fee removes all the math on whether the card pays for itself, and the $100 Bilt Cash welcome bonus gives you an immediate head-start toward earning points on your first housing payment. The 1x earning rate on everyday spending is nothing to write home about, but access to Bilt’s transfer partners and Rent Day double-point promotions does add real value here. If you’re a renter with modest non-housing spend, this card is a solid entry point.
Bilt Obsidian Card — Best For: Diners, Grocery Spenders, and Value-Seekers
- Annual Fee: $95
- Welcome Offer: $200 in Bilt Cash upon approval
- Earning Rates: 3x on your choice of dining OR grocery (grocery capped at $25k/year); 2x on travel; 1x on everything else
- Housing Earning: Up to 1.25x on rent/mortgage (Housing-Only option) or up to 1x via Bilt Cash
- Bilt Cash Option: 4% back in Bilt Cash on everyday spend
- Bilt Travel Hotel Credit: $100/year, split as $50 semi-annual statement credits (requires 2-night minimum stay via Bilt Travel Portal)
- Intro APR: 10% for the first 12 billing cycles
- Foreign Transaction Fees: None
- Mastercard Level: World Elite
This is the “most people” card. I love that Bilt lets you choose between dining or grocery as your 3x category — it covers the two biggest household spending buckets outside of housing itself. The category selection is locked for the year, but you can change it each January, and you get a 30-day window to switch after account opening if you want to start with grocery. The $95 annual fee is nearly offset by the $100 hotel portal credit, which makes this card essentially free if you book even one two-night hotel stay through Bilt Travel annually. The $200 Bilt Cash welcome bonus is also immediately useful — it translates directly to 6,666 points on your housing payment right out of the gate.
Bilt Palladium Card — Best For: High Spenders, Premium Travelers, and Committed Bilt Loyalists
- Annual Fee: $495 (authorized users: $95/each, also receive Priority Pass)
- Welcome Offer: 50,000 Bilt Points + Bilt Gold Status after $4,000 in non-housing spend in the first 3 months, PLUS $300 Bilt Cash upon approval
- Earning Rate: 2x Bilt Points on all eligible everyday purchases (excluding housing)
- Housing Earning: Up to 1.25x on rent/mortgage (Housing-Only option) or up to 1x via Bilt Cash
- Bilt Cash Option: 4% back in Bilt Cash on everyday spend
- Annual Bilt Cash Credit: $200 Bilt Cash credited automatically each January (and at account opening)
- Bilt Travel Hotel Credit: $400/year, split as $200 semi-annual statement credits (requires 2-night minimum stay)
- Priority Pass: Full membership with two complimentary guests per visit
- Mastercard Level: World Legend (highest tier — above World Elite)
- Intro APR: 10% for the first 12 billing cycles
- Foreign Transaction Fees: None
The Palladium is Bilt going full premium — and it’s a legitimate competitor to the Chase Sapphire Reserve and Capital One Venture X in terms of the value stack, with a unique twist that neither of those cards can match: housing rewards. The welcome offer alone is worth up to $1,400 when you combine the 50,000 points (valued at ~$1,100 by TPG at 2.2 cents each) with the $300 Bilt Cash. The ongoing benefits stack up well too: $400 in hotel credits + $200 in Bilt Cash = $600 in annual credits against a $495 fee before you even factor in Priority Pass (which alone carries a ~$469 annual value). If you’ll use the hotel credits and actually walk through a Priority Pass lounge once in a while, this card pays for itself before you’ve even thought about the housing rewards.
One detail worth noting: the Palladium carries Mastercard World Legend status — the newest and highest Mastercard tier, a step above World Elite — giving cardholders access to a more extensive set of travel and purchase protections than the Blue or Obsidian.
The Two Ways to Earn on Rent and Mortgage: Housing-Only vs. Bilt Cash
This is where Bilt 2.0 gets nuanced — and where a lot of the community confusion started. When Bilt launched on January 14, 2026, there was initially only one way to earn on housing (the Bilt Cash model). Two days later, on January 16th, Bilt CEO Ankur Jain announced a second option after listening to community feedback. You now have two distinct, fee-free paths to earning points on your rent or mortgage. You choose one when you activate your card, and you can switch at any time (changes take effect the following billing cycle).
Option 1: Housing-Only Rewards (The Tiered Spending Path)
This is the simpler, more familiar option — closest in spirit to how the original Bilt card worked. You earn Bilt Points on housing payments automatically based on how much of your non-housing spending goes on your Bilt card each month. No Bilt Cash required. No secondary currency to manage. The trade-off: you give up earning Bilt Cash on everyday purchases.
Here’s exactly how the tiers work, expressed as a percentage of your monthly housing payment:
| Everyday Spend as % of Housing Payment | Earning Rate on Housing | Example: $2,000 Rent — Points Earned |
|---|---|---|
| Less than 25% | 250 points flat (minimum) | 250 points |
| 25% ($500 on a $2k rent) | 0.5x | 1,000 points |
| 50% ($1,000 on a $2k rent) | 0.75x | 1,500 points |
| 75% ($1,500 on a $2k rent) | 1x | 2,000 points |
| 100%+ ($2,000+ on a $2k rent) | 1.25x | 2,500 points |
The 1.25x top tier is genuinely exciting — it’s higher than anything the old card offered, and it removes the 100,000-point annual cap that used to limit high-rent earners in expensive cities. If you’re a New Yorker paying $4,000/month in rent and you put $4,000/month on your Bilt card in everyday spending, you’re collecting 5,000 points per month on rent alone — that’s 60,000 points a year from housing without any annual ceiling.
Who this option is best for: People who prefer a single currency, those who already put heavy spend on their Bilt card, and renters/homeowners who want maximum simplicity. If your everyday Bilt spend naturally hits 75–100% of your rent, this is likely your best move.
Option 2: Flexible Bilt Cash (The Maximizer Path)
This option introduces Bilt Cash — a second rewards currency that sits alongside Bilt Points. Under this system, your everyday spending earns 4% back in Bilt Cash on top of your base Bilt Points. You then use that Bilt Cash to unlock points on your housing payment at no out-of-pocket cost.
The mechanics: every $30 of Bilt Cash you redeem unlocks 1,000 Bilt Points on your housing payment, up to a maximum of 1 point per dollar of your total housing payment. You’re never charged a transaction fee — the Bilt Cash simply covers what would otherwise be a 3% processing fee.
Let’s run through the math on a $2,000 monthly rent payment:
- To earn the full 2,000 points on that payment, you need $60 in Bilt Cash
- At 4% back, you need to spend $1,500 in non-housing purchases to generate $60 in Bilt Cash
- That’s 75% of your housing payment — same math, different mechanism
- Bonus: you also collect base Bilt Points on that $1,500 in spending (1x, 2x, or 3x depending on your card)
The big advantage of the Bilt Cash path is flexibility. You’re not locked into “all or nothing” for housing rewards. You can redeem as little or as much Bilt Cash as you have available — even $9 of Bilt Cash earns you 300 points on your housing payment. And Bilt Cash has value beyond housing: it can be used for Lyft credits, fitness classes, hotel bookings through the Bilt Travel portal, unlocking a one-time status upgrade for transfer bonuses on Rent Day, and even activating a “Points Accelerator” on future everyday spending for Obsidian and Palladium cardholders.
One important note: Bilt Cash expires at the end of each calendar year, but you can roll over up to $100 into the next year. The Palladium card automatically loads $200 in Bilt Cash each January, which gives you a jump-start every year.
Who this option is best for: Power users who want maximum redemption flexibility, Palladium cardholders who receive the $200 annual Bilt Cash credit, and anyone who wants to earn on housing payments but doesn’t consistently hit the spending tiers each month.
Housing-Only vs. Bilt Cash: Side-by-Side Comparison
| Feature | Housing-Only Rewards | Flexible Bilt Cash |
|---|---|---|
| Max earning on housing | 1.25x points | 1x points |
| How housing points are unlocked | Automatically by spend tiers | Redeeming Bilt Cash ($30 = 1,000 pts on $1,000 housing) |
| Earn Bilt Cash on everyday spend? | No | Yes — 4% on all non-housing spend |
| Minimum housing earning | 250 points/month | Scales with Bilt Cash available |
| Annual housing points cap | None | None (up to 1x per $1 of housing) |
| Flexibility of rewards | Single currency (simpler) | Two currencies (more options) |
| Best for | High spenders relative to rent | Flexibility seekers, Palladium holders |
Earning on Mortgage Payments: What Homeowners Need to Know
This is genuinely new territory in the rewards space. The original Bilt card was built for renters; Bilt 2.0 explicitly extends the platform to homeowners. All three new Bilt cards earn points on eligible residential mortgage payments, regardless of your lender.
A few important mechanics to understand:
- You’re not actually charging your mortgage to the credit card. Mortgage payments through Bilt are processed via ACH (bank transfer). You can’t float your mortgage payment to your statement due date the way you can with a regular credit card purchase. You set it up in the Bilt app’s Home tab, and autopay is available.
- Earning applies to both rent AND mortgage simultaneously if you’re, say, renting a place and paying a mortgage on an investment property. You can link multiple properties.
- The same two earning options apply — Housing-Only tiers and Bilt Cash — for both rent and mortgage payments. Your monthly housing “total” for calculating tier thresholds is the combined amount of all eligible housing payments.
- Points are uncapped. Unlike the old 100,000-point annual cap, the 2.0 system has no ceiling. A $5,000/month mortgage payment at full 1.25x earning would yield 6,250 points — that’s 75,000 points annually just from the mortgage.
The bigger picture here is Bilt’s vision of a full homeownership journey: earn points on rent while saving for a down payment, redeem those points toward the down payment (at 1.5 cents per point when used with an eXp Realty affiliated agent), then continue earning on your mortgage after you buy. No other loyalty program offers that complete a path — it’s a genuine differentiator.
Bilt Cash: The Complete Guide to This New Currency
Bilt Cash is probably the most misunderstood piece of the 2.0 launch, so let me break it down cleanly.
How You Earn Bilt Cash
- 4% back on all non-housing spending on any Bilt 2.0 card (if you select the Flexible Bilt Cash earning option)
- Welcome bonuses: Blue = $100, Obsidian = $200, Palladium = $300 in Bilt Cash upon approval
- Palladium annual credit: $200 in Bilt Cash deposited each January (and at account opening)
- Status milestone: Earn $50 in Bilt Cash for every 25,000 Bilt Points earned toward elite status
What You Can Do With Bilt Cash
- Unlock points on housing payments ($30 Bilt Cash = 1,000 points on $1,000 of housing payment)
- Hotel bookings through the Bilt Travel Portal at dollar-for-dollar value
- Lyft credits at dollar-for-dollar value
- Fitness classes at participating Bilt partner studios
- Dining at eligible Bilt partner restaurants
- Unlock a one-time status tier upgrade for a Rent Day transfer bonus (e.g., upgrade from Gold to Platinum bonus rate for that day)
- Points Accelerator (Obsidian and Palladium): Activate an extra 1x points on everyday spending for the next $5,000 spent after activation
- BLADE helicopter flights (select routes)
Bilt Cash Expiration Rules
Bilt Cash expires at the end of each calendar year (December 31). However, you can carry over up to $100 into the next year. This rollover provision is relatively new — Bilt added it after launch feedback — and it’s worth knowing when you’re strategically timing redemptions. Don’t let Bilt Cash pile up unused in December.
Rent Day: Still the Best Monthly Bonus in the Points Game
Rent Day — the first of every month — remains one of the most consistently valuable recurring promotions in the entire points and miles space. Here’s what each card earns on Rent Day (note: housing payments themselves are always excluded from the double-point promotion):
- Bilt Blue: 2x on everyday purchases (normally 1x) — up to 1,000 bonus points per month
- Bilt Obsidian: 6x on your chosen category (dining or grocery — normally 3x); 4x on travel (normally 2x); 2x on everyday purchases (normally 1x) — up to 1,000 bonus points per month
- Bilt Palladium: 4x on everyday purchases (normally 2x) — up to 1,000 bonus points per month
The Rent Day double-points also stack with Bilt’s transfer bonuses when they line up. Bilt routinely offers 30–100%+ transfer bonuses to partners like World of Hyatt, Air Canada Aeroplan, and Turkish Miles&Smiles. Higher-status Bilt members receive larger Rent Day transfer bonuses, which is one of the most compelling reasons to chase Bilt elite status.
Bilt Elite Status: Blue, Silver, Gold, and Platinum
Bilt’s status tiers reward long-term engagement and can be reached in two ways: by earning eligible Bilt Points annually, or through a spending fast-track path.
| Tier | Points Path | Spending Fast-Track | Key Benefits |
|---|---|---|---|
| Blue | Default (<50k pts) | N/A | Base Rent Day bonuses |
| Silver | 50,000+ pts/year | $10,000+ eligible spend | Points interest, bonus at lease renewal |
| Gold | 125,000+ pts/year | $25,000+ eligible spend | Homeownership concierge, enhanced Rent Day bonuses |
| Platinum | 200,000+ pts/year | $50,000+ eligible spend | BLADE helicopter flight, Flying Blue Gold status match, top-tier Rent Day bonuses |
A few pro notes here: status earned in any month is valid for the rest of that year plus the entire following year — so earning Gold in December 2026 means you’re covered through January 15, 2028. The Palladium card gives you a shortcut to Gold immediately upon meeting the welcome bonus spend threshold ($4,000 in the first three months). And Silver, Gold, and Platinum members earn interest on their Bilt Points balance at the national FDIC savings rate — a quirky benefit that essentially pays you to hold your points.
Bilt Transfer Partners: Why These Points Are Worth Pursuing
Bilt Points are consistently ranked among the most valuable transferable currencies available, primarily because of two names: World of Hyatt and Alaska Airlines Mileage Plan (now Atmos Rewards). Both are notoriously difficult to access without points transfers from Amex or Chase, and Bilt gives you a direct path to both.
Current Bilt transfer partners include:
- World of Hyatt ⭐ (top-tier value)
- Alaska Airlines Atmos Rewards ⭐
- Air Canada Aeroplan
- United Airlines MileagePlus
- American Airlines AAdvantage
- Southwest Airlines Rapid Rewards
- Air France/KLM Flying Blue
- British Airways Avios
- Cathay Pacific Asia Miles
- Emirates Skywards
- Turkish Miles&Smiles
- Avianca LifeMiles
- Virgin Atlantic Flying Club
- Marriott Bonvoy
- Hilton Honors
- IHG One Rewards
- Wyndham Rewards
Transfers are typically 1:1 and process quickly — often within minutes for airline programs. All transfers go through the Bilt app. And Bilt’s Rent Day transfer bonuses, which have historically hit 30–100%+, are the single best way to stretch the value of your points even further before moving them to a partner program.
Which Bilt Card Should You Get? My Honest Take
Get the Bilt Blue Card If…
You’re new to the points game, you want zero annual fee, and your primary goal is getting access to Bilt’s transfer partners while earning something on rent. The $100 Bilt Cash welcome bonus helps you get your first housing payment rewarded immediately. Just know that the 1x earning rate means you’ll need to supplement this card with other strong earners for maximum optimization.
Get the Bilt Obsidian Card If…
You dine out frequently or spend heavily on groceries and want a card that keeps pace with your real spending patterns. The 3x on dining or grocery is genuinely excellent, and the $100 hotel credit nearly zeroes out the $95 annual fee if you stay in hotels at all. This is the sweet spot card for most Bilt users who want more than the Blue but aren’t ready to commit to the full $495 Palladium experience.
Get the Bilt Palladium Card If…
You spend $5,000+ per month outside of housing, you value airport lounge access, and you want the single best welcome offer currently available in the points space for a housing-rewards card. The 50,000-point bonus plus $300 Bilt Cash is worth up to $1,400 in real travel value — and the flat 2x on all spending makes this card a legitimate daily driver that competes head-to-head with the Capital One Venture X at a similar price point, but with the unique housing rewards edge. One critical note: you can only earn one welcome bonus across all Bilt cards in a lifetime, so if you’re going to apply, strongly consider whether the Palladium bonus is the right one to chase.
The Mechanics of Paying Rent and Mortgage Through Bilt
For anyone new to the ecosystem, here’s the practical how-to:
- Rent payments: Use the Bilt app or biltrewards.com to set up your rent payment. If you live in a Bilt Alliance property (about 1 in 4 apartment buildings nationwide), the integration is seamless. For non-Alliance properties, Bilt facilitates payment via ACH or check to your landlord.
- Mortgage payments: Set up in the Bilt app’s “Home” tab. Like rent, these are processed via ACH — not charged to the credit card directly. You can set up autopay for both.
- Credit reporting: Bilt still reports on-time rent payments to the credit bureaus for free — a valuable feature for renters building credit.
- Multiple properties: Yes, you can earn on both rent and mortgage simultaneously, and on multiple homes (investment properties, vacation homes, etc.).
- Transaction fees: Under both the Housing-Only and Bilt Cash options, there is no out-of-pocket transaction fee. This has been the foundational promise of Bilt since day one, and Bilt CEO Ankur Jain explicitly re-confirmed this after the confusing initial 2.0 launch.
Potential Downsides Worth Knowing About
I’m not going to just cheerlead here — there are real concerns with Bilt 2.0 that you should factor in before applying:
- Complexity: Managing two reward currencies (points + Bilt Cash), tiered earning, and monthly optimization is significantly more work than the original card. If you want “set it and forget it,” this is not that card.
- Early transition hiccups: Following the move from Wells Fargo to Cardless in February 2026, multiple cardholders reported customer service issues, app problems, and occasional payment processing concerns. These appear to be launch pains, but they’re worth monitoring — especially given the stakes of rent and mortgage payments.
- Bilt Cash expiration: The year-end Bilt Cash expiration (with only $100 rollover) means you need to stay on top of your balance in Q4. Don’t let value expire unused.
- Lifetime bonus rule: You get one welcome bonus across all Bilt cards, ever. Choose wisely.
- New account = new credit inquiry: Even if you were a Wells Fargo Bilt cardholder who transitioned, the new Cardless card shows up as a brand-new account on your credit report — which may affect Chase 5/24 status for those playing the chase card game strategically.
Frequently Asked Questions About Bilt Card 2.0
Is there a transaction fee to earn points on rent or mortgage with Bilt?
No. Bilt has explicitly confirmed that there is never an out-of-pocket transaction fee to earn points on rent or mortgage payments under either earning option (Housing-Only or Flexible Bilt Cash). The Bilt Cash option uses earned Bilt Cash — not cash from your wallet — to cover what would otherwise be a processing fee.
Can I earn points on my mortgage with any lender?
Yes. All three Bilt 2.0 cards earn points on eligible residential mortgage payments regardless of your lender. You set up the payment in the Bilt app, and it’s processed via ACH. You’re not literally charging the mortgage to the credit card — lenders don’t accept that — but Bilt credits you the points based on your payment.
What happens if I don’t hit the minimum spending requirement under the Housing-Only option?
You’ll still earn a flat 250 Bilt Points per month on your housing payment, regardless of spend. This is the same minimum that existed under the old card’s 5-transaction requirement. So you never walk away with zero for making your housing payment.
Can I switch between the Housing-Only and Bilt Cash earning options?
Yes. You can change your earning option at any time in the Bilt app. The change takes effect on the first day of your next billing cycle. This means you could theoretically optimize month-to-month based on how much non-housing spending you expect, though in practice most people will pick the option that fits their normal spending habits and stick with it.
Are Bilt Points transferable to airline and hotel programs?
Yes — and this is the core value proposition. Bilt Points transfer 1:1 to more than 20 airline and hotel loyalty programs including World of Hyatt, Alaska Airlines, Air Canada Aeroplan, United MileagePlus, and more. Points don’t expire as long as your Bilt Rewards account remains open and in good standing.
Is there an annual cap on housing points with Bilt 2.0?
No. The old 100,000-point annual cap has been eliminated entirely. Under Bilt Card 2.0, you can earn unlimited points on housing payments — critical news for renters in high-cost cities paying $3,000, $4,000, or more per month in rent.
What’s the best Bilt card to apply for if I can only get one bonus ever?
For most people who are serious about points, the Bilt Palladium’s welcome bonus is the clear winner — 50,000 points + Gold status + $300 Bilt Cash after $4,000 in spending is worth up to $1,400 in travel value. Since you can only earn one Bilt welcome bonus in your lifetime across all three cards, burning it on $100 or $200 in Bilt Cash (Blue or Obsidian) would be leaving serious value on the table.
Bottom Line: Is Bilt 2.0 Worth It?
For renters and homeowners who are already engaged with the points and miles hobby — absolutely yes. Bilt 2.0 has genuinely expanded what’s possible in housing rewards: no annual cap, mortgage earning from any lender, a premium card with a real welcome bonus, and transfer partner access to some of the most valuable programs in the game.
The system is more complicated than Card 1.0, and the transition had its bumps. But if you’re willing to invest a few minutes each month to understand which earning path maximizes your specific rent or mortgage amount, the returns on your single biggest monthly expense can be substantial. For a renter paying $2,000/month in rent who puts $1,500/month in everyday spending on the card, that’s potentially 24,000 points from rent alone annually — before you count a single dining or travel purchase.
My personal recommendation: Start with the Palladium if you can justify the annual fee and want the big welcome bonus. Go Obsidian if you’re a diner or grocery spender who wants strong ongoing earning at a modest fee. Only pick the Blue Card if a $0 annual fee is truly non-negotiable.
Whatever you choose, make sure you’re picking the right housing earning option from day one — and remember that the switch is always just a tap away in the app.
Want to maximize your Bilt Points before you even transfer them? Check out our full guide on Bilt Rent Day strategies and transfer bonus timing — the right month to move your points can double their value instantly.
Rates, fees, and benefits mentioned in this article are accurate as of April 2026. Always verify current terms at biltrewards.com/card before applying. Terms apply. Subject to credit approval.