How Much Are Bilt Points Worth? (2026)

Bilt started out as the card you use to earn points on rent. After a 2026 expansion that it dubbed Bilt 2.0, the earning opportunities got richer and more complicated. The number of points you earn is now tied to your everyday spend, not just the amount you pay for rent. With that change, the right Bilt card can out-earn almost any other, if you work the system. And that part truly takes work. The good news is that once you hold Bilt points, redeeming them is straightforward. Bilt’s bench of transfer partners is one of the deepest in the business.

Bilt points, sometimes called Bilt Rewards points, are worth about 1.7 cents each with a good partner transfer, so 100,000 points is roughly worth $1,700 in real travel. Those same points are worth as little as 0.55 cents each when cashed out; a fixed 1.25 cents each through the Bilt Travel portal; and 3–5 cents each, or more, when transferred to an airline for a business class seat.

Note that Bilt now has two currencies, and we’ll only be diving into one of them here. Bilt points are the transferable currency. They’re worth about 3–5 cents each with a partner transfer. Bilt Cash is a separate, fixed-value credit that can only be redeemed within the Bilt app. It can unlock better earnings and cover Bilt purchases, but it does not transfer to airlines or hotels. Due to that limitation, it can never reach the value that a Bilt point can. Everything we describe below is about Bilt points.

How to value Bilt points, a glance:

• When cashed out, a Bilt point is worth as little as 0.55 cents. Through housing-related redemptions (rent, mortgage, HOA payments), the value climbs to 1.5 cents.

• When redeemed through the Bilt Travel portal, every point is worth a fixed 1.25 cents. That’s higher than the single cent that most transferable currencies pay.

• When transferred to an airline or hotel partner, a point is worth about 1.7 cents on a typical redemption.

• When transferred for premium-cabin flights or top-tier hotel stays, a point can be worth 3–5 cents or more.

• Bilt points transfer to 24 partners, the largest roster of any transferable currency, and every Bilt card uses that same list, no matter its annual fee.

• Rent Day, on the first of each month, can stretch your transferred points further – up to 200% more points if you qualify for the top status tier based on your spend.

The value of Bilt points when booking through the Bilt travel portal

Booking travel through the Bilt Travel portal is the simplest way to spend points. Every Bilt point is worth a fixed 1.25 cents on any travel booking, for every cardholder, with no premium card required.

That beats the one cent that most transferable currencies pay in their portals. That means Bilt points are hard to waste, even if you don’t move your points to a transfer partner.

That said, Bilt points do their best work, and are worth the most, with a transfer.

The value of Bilt points when redeeming for statement credits, gift cards, or cash back

Cashing out is the lowest-value way to use your points, but there’s more than one cash-out rate. A plain statement credit or housing credit is worth about 0.55 cents per point. When redeemed for Amazon purchases, the rate is 0.7 cents. A few options nudge that value higher: paying down student loans lands at panel-fact: 1 cent, and applying points to a mortgage down payment raises it to 1.5 cents. Gift cards sit near the bottom at a fixed 0.7 cents. 

Consider that even the best cash-out rate yields a lower per-point value than the 1.25 cent portal rate. And a good transfer roughly triples the value you’d get for a plain statement credit. Unless you’re funneling points toward a mortgage or a student loan, cashing out leaves value on the table.

The value of Bilt points when transferring to travel partners

Airline or hotel partner transfers are what Bilt points are built for. A typical partner redemption runs about 1.7 cents per point, and a premium-cabin transfer pushes it to 3–5 cents, or even more. 

Almost all of Bilt’s partners transfer at a 1:1 ratio. Only the hotel brand Accor reduces it to 3:2, so three Bilt points become two Accor points when you transfer. The minimum transfer is 2,000 points, dropping to 1,000 once you reach Silver status through your level of spend. Transfers are instant, for the most part. Southwest is the one exception, at 72 hours.

The clearest illustration of Bilt’s value is in real redemptions. A transfer to Japan Airlines for flights within Asia, or to World of Hyatt for a top hotel stay, is where points can reach 3 cents in value or more.

Get the list of all 24 Bilt transfer partners and their ratios here: Bilt Transfer Partners.

What makes Bilt points valuable?

Most rewards programs sell you on the redemption rate. Bilt’s selling point is its partner roster. It has the largest transfer list of any transferable currency, 24 partners in all, and several of them are difficult to access through any other card.

For starters, Bilt is the only major currency that transfers to Atmos Rewards, the program behind Alaska and Hawaiian. Bilt points also transfer to World of Hyatt and United, a pair that used to belong exclusively to Chase. Points transfer to Japan Airlines at full value, and continue to do so with Emirates, even when other banks reduced their transfer ratios. 

So the partner list is the top reason to hold Bilt points, with the 1.25 cent travel portal acting as a better-than-average backup. Two things to know before you lean in. The earning side is genuinely complex, and tied to how much rent or mortgage you pay through Bilt. Additionally, this is a newer loyalty program, so customer service can be rocky.

What is Bilt Rent Day, and how does it boost your points?

Rent Day is a Bilt perk that arrives on the first of every month, and it usually consists of a transfer bonus. Here’s how it works. 

On many Rent Days, Bilt adds extra points when you move your balance to one of its airline or hotel partners. The size of the bonus depends on your Bilt status, and can reach up to 200%.

Two things to keep in mind: The bonus does not run every month, and when it does, it applies to a capped  number of points, not your whole balance. Even so, a bonus of that size is rare. If the timing works out for you, Rent Day is the best recurring transfer bonus in the business.

Values as of September 2026. Refreshed every cadence cycle.

What can you get with your Bilt points?

Here are just some of the award seats that Bilt points can actually book right now, refreshed daily:

Note that these fares are not hypothetical. This is the kind of award space point.me finds every day, and you can pull up similar deals across every Bilt partner.

The best use of your Bilt points

• Transfer to a partner for premium-cabin business or first class, where points clear 3–5 cents and up.

• Transfer to the programs only Bilt covers in one card: Atmos Rewards, World of Hyatt, United, and Japan Airlines, all at full value.

• Fall back on the flat 1.25 cent portal for cheap economy flights or when no partner has award space, and use Rent Day to stretch transfers even further.

The worst use of your Bilt points

Both of these options value points below the 1.25 cent portal, so there’s almost always a better choice:

• A plain statement credit or housing credit at about 0.55 cents a point. This is the lowest rate Bilt offers, unless you’re using points toward a student loan or a mortgage down payment.

• Gift cards at a fixed 0.7 cents a point. Gift card purchases are easy, but this redemption is worth less than half of what you’d get with a good transfer.

Summary

Bilt points, sometimes called Bilt Rewards points, are worth about 1.7 cents each on a typical transfer, but really, there’s a range. Points can be worth from 0.55 cents on a low-end cash-out, to 3–5 cents or more when used to purchase premium cabin flights. For this reason, many cardholders treat Bilt solely as a transfer currency and use the fixed-value (1.25 cents) portal as a safety net. The excellent partner roster is the main reason to hold Bilt points, and Rent Day can mean big transfer bonuses. Use those points on the partners that no other bank covers, and the same 100,000 points that would cash out for about $550 could instead book a week of nights at a top Hyatt or a business-class seat on Alaska.

Ready to put your Bilt points to work?

Sign up for point.me and search award availability across every Bilt transfer partner.

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