Bilt Rewards
Bilt Rewards combines housing-payment earning, card spend, partner activity, travel booking, and transferable points in one rewards account.
The program can operate through housing-payment eligibility and Bilt card products; card-specific earning and benefits remain attached to the selected product.
The owner, currency, and rules of entry. Administrative essentials, mercifully without the brochure.
- Parent organization
- Bilt Rewards
- Program currency
- Bilt Points
- Program status
- Active
- Primary market
- United States
- Enrollment eligibility
- Participation requires an eligible issuer product or account under the current program terms.
- Enrollment cost
- No separate program enrollment fee; card and account fees remain product-specific.
- Official program links
- Homepage ↗Program terms ↗
- Last updated
- Aug 7, 2026
A bank may issue the plastic, but the currency still decides what you actually own. Cards are grouped by purpose, partner, and audience—with no points casually reassigned by typography.
Card portfolio
Travel cards
Personal
Bilt Blue Card
Mastercard · Open
- Earns
- Bilt Points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 0
Bilt Obsidian Card
Mastercard · Open
- Earns
- Bilt Points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 95
Bilt Palladium Card
Mastercard · Open
- Earns
- Bilt Points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 495
The headline rate is only half the story. What counts—and what quietly does not—is where the arithmetic gets interesting.
Travel cards
Personal
Bilt Blue Card
Mastercard · Open
Bilt Neighborhood Dining
4 Bilt Points per 1 USD
Eligible purchases at participating Bilt Neighborhood Dining restaurants
Published rate is the total earn and may vary by participating restaurant
Hotels through Bilt Travel
3 Bilt Points per 1 USD
Eligible hotel bookings
Book through: Bilt Travel
Lyft
3 Bilt Points per 1 USD
Eligible Lyft rides after linking Bilt and Lyft accounts
Flights through Bilt Travel
2 Bilt Points per 1 USD
Eligible flight bookings
Book through: Bilt Travel
All other eligible purchases
1 Bilt point per 1 USD
All other eligible purchases
Bilt Obsidian Card
Mastercard · Open
Hotels through Bilt Travel
4 Bilt Points per 1 USD
Eligible hotel bookings
Book through: Bilt Travel
Dining or grocery
3 Bilt Points per 1 USD
Eligible purchases in the cardholder's selected dining or grocery category
Dining is the default category · Grocery earning is limited to USD 25,000 per year
Bilt Neighborhood Dining
6 Bilt Points per 1 USD
Eligible purchases at participating Bilt Neighborhood Dining restaurants
Up to the published total rate; restaurant-specific rates appear in the Bilt app
Flights through Bilt Travel
3 Bilt Points per 1 USD
Eligible flight bookings
Book through: Bilt Travel
Other travel
2 Bilt Points per 1 USD
Eligible travel purchases outside the Bilt Travel hotel and flight categories
All other eligible purchases
1 Bilt point per 1 USD
All other eligible purchases
Bilt Palladium Card
Mastercard · Open
Bilt Neighborhood Dining
5 Bilt Points per 1 USD
Eligible purchases at participating Bilt Neighborhood Dining restaurants
Published rate is the total earn and may vary by participating restaurant
Hotels through Bilt Travel
4 Bilt Points per 1 USD
Eligible hotel bookings
Book through: Bilt Travel
Lyft
4 Bilt Points per 1 USD
Eligible Lyft rides after linking Bilt and Lyft accounts
Flights through Bilt Travel
3 Bilt Points per 1 USD
Eligible flight bookings
Book through: Bilt Travel
All other eligible purchases
2 Bilt Points per 1 USD
All other eligible purchases
How earning works
Eligible spend on a directly participating card
1 Bilt Point per 1 USD
What counts: Eligible purchases on a directly participating product
Does not count: Fees, returns, cash equivalents, and product-specific exclusions
Pricing rules matter more than the word “free,” which is doing heroic work in most loyalty brochures.
Travel cards
Personal
Bilt Obsidian Card
Mastercard · Open
USD 100 annual Bilt Travel hotel credit
Receive USD 100 in annual Bilt Travel hotel credits, issued as USD 50 semiannually.
Eligible portal hotel booking · Two-night minimum stay
Bilt Palladium Card
Mastercard · Open
USD 400 annual Bilt Travel hotel credit
Receive USD 400 in annual Bilt Travel hotel credits under the card's published credit schedule.
Eligible Bilt Travel hotel booking · Booking conditions apply
USD 200 annual Bilt Cash
Receive USD 200 in Bilt Cash each year for eligible uses in the Bilt ecosystem.
Bilt Cash expiration and category limits apply
Ways to redeem
Issuer travel booking
Value and availability depend on the eligible product and booking channel
Search: Official issuer travel or rewards portal
Online: Available
Phone: Limited
Cash or statement credit
Value depends on the currency, product, and selected redemption
Search: Official rewards account
Online: Available
Phone: Limited
The useful question is not whether a partnership exists. It is where you can earn, where you can transfer, and which footnote is waiting to spoil the headline.
Partner directory
Airline transfer partners
Airline programs currently available through the featured currency's governed transfer channel.
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- Atmos Rewards
- British Airways Club
- Cathay Pacific Asia Miles
- Iberia Club
- JAL Mileage Bank
- Southwest Rapid Rewards
- TAP Miles&Go
- Turkish Airlines Miles&Smiles
- United MileagePlus
- Virgin Atlantic Flying Club
Hotel transfer partners
Hotel programs currently available through the featured currency's governed transfer channel.
- Hilton Honors
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards