Best Way to Use Bilt Points
Bilt Rewards guide for 2026
Bilt Rewards is unique because it lets you earn points on rent payments with no transaction fee. With 1:1 transfers to Hyatt, Virgin Atlantic, American Airlines, United, and more, Bilt points are incredibly versatile. Rent Day (1st of every month) doubles earning rates on dining, travel, and rent.
Top 5 Redemptions
The highest-value ways to use your bilt points
World of Hyatt Hotels
2-5 cppTransfer 1:1 to Hyatt for all-inclusive resorts at 20,000-25,000 points/night or Park Hyatts for 25,000-30,000 points/night. Best hotel value in the game.
ANA First Class via Virgin Atlantic
20+ cppTransfer to Virgin Atlantic and book ANA first class round-trip for 120,000 points. Same sweet spot as Amex and Chase.
American Airlines Awards
1.5-5 cppBilt is one of the only programs that transfers to American Airlines. Book off-peak domestic for 7,500 miles or Web Specials for big savings.
Turkish Business to Istanbul
5-10 cppTransfer to Turkish Miles&Smiles and book business class to Istanbul for 45,000 miles one-way on one of the world's best business class products.
United Excursionist Perk
3-7 cppTransfer to United for international awards with a free stopover. Visit two cities for the price of one.
Transfer Strategy
Bilt transfers to almost every major loyalty program including Hyatt, American Airlines (exclusive), United, Virgin Atlantic, and Turkish. Check Hyatt first for hotels. For flights, American Airlines (unique to Bilt) and Virgin Atlantic are the strongest plays. Earn double on Rent Day (1st of month).
Bilt Sweet Spots
Hyatt all-inclusive resorts: 20,000-25,000 points/night
American Airlines off-peak domestic: 7,500 miles one-way (Bilt exclusive transfer)
ANA first class via Virgin Atlantic: 120,000 round-trip
Turkish Airlines business to Istanbul: 45,000 one-way
Rent Day double points: 6x dining, 4x travel, 2x rent on the 1st
Common Mistakes to Avoid
Not making 5 transactions per month (required to earn rent points)
Using the Bilt Travel portal at 1 cpp instead of transferring
Missing Rent Day bonuses on the 1st of every month
Not considering that Bilt is one of the only programs transferring to American Airlines
Transferring to Marriott at 1:0.5 ratio — poor value compared to other partners
Frequently Asked Questions
What is the best way to use Bilt points?
Transfer to World of Hyatt for hotel stays (2-5 cpp) or airline partners for premium flights. Bilt uniquely transfers to American Airlines (no other credit card does this) and World of Hyatt, plus Virgin Atlantic for ANA first class. Avoid the Bilt Travel portal at 1 cpp.
What is Bilt Rent Day?
Rent Day happens on the 1st of every month. Bilt cardholders earn double points: 6x on dining (normally 3x), 4x on travel (normally 2x), and 2x on rent (normally 1x). Some Rent Days also include transfer bonus promotions.
How many transactions do you need for Bilt rent points?
You must make at least 5 transactions per month on your Bilt Mastercard to earn points on rent. This can include any purchase — even small ones like coffee. The transactions must post within the same statement period.
Can you transfer Bilt points to American Airlines?
Yes — Bilt is one of the only transferable points programs that transfers to American Airlines AAdvantage at 1:1. This is a unique and valuable partnership since no other major credit card currency can transfer directly to AA.
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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.
The Business Platinum Card® from American Express
Business Card | Annual Fee: $895
200,000 Membership Rewards® points
after $20,000 in purchases in the first 3 months
Key Benefits:
- 5x points on flights & hotels via Amex Travel
- 1.5x points on purchases over $5,000
- Airport lounge access
American Express® Business Gold Card
Business Card | Annual Fee: $375
100,000 Membership Rewards® points
after $15,000 in purchases in the first 3 months
Key Benefits:
- 4x points on top 2 spending categories (up to $150K/yr)
- Up to $240 in annual statement credits
Chase Ink Business Preferred®
Business Card | Annual Fee: $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
Key Benefits:
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
The Platinum Card from American Express
Personal Card | Annual Fee: $695
80,000 points
after $8,000 in 6 months
Key Benefits:
- $200 airline fee credit
- $200 hotel credit (FHR/THC)
- $200 Uber credit
Capital One Venture Rewards
Personal Card | Annual Fee: $95
75,000 miles
after $4,000 in 3 months
Key Benefits:
- Global Entry/TSA PreCheck credit
- No foreign transaction fees
Capital One Venture X Rewards
Personal Card | Annual Fee: $395
75,000 miles
after $4,000 in 3 months
Key Benefits:
- $300 annual travel credit (Capital One Travel)
- 10,000 bonus miles annually
- Capital One Lounge access
* Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.