Bilt Points: Value, Transfer Partners and Cards (2026)
Quick answer: Bilt points are worth 1.25¢ each in MaxWorth's valuation, so 100,000 points come to about $1,250. They transfer to 17 airlines and 7 hotel programs. 3 US credit cards earn them.
What your points are worth
Bilt points are earned on rent, mortgage and card spending, and they're worth the most when transferred to airline and hotel partners, including World of Hyatt and United. On the first of each month, Rent Day brings status-tiered transfer bonuses to selected partners. Bilt also transfers to Amtrak Guest Rewards at 2:1.
| Balance | At 1.25¢ each |
|---|---|
| 10,000 | $125 |
| 25,000 | $313 |
| 50,000 | $625 |
| 100,000 | $1,250 |
Ways to redeem
| Option | Value per point | Notes |
|---|---|---|
| Transfer to airline and hotel partners | Varies | Usually the best value, especially for premium cabins and Hyatt stays. Watch for Rent Day transfer bonuses on the 1st of each month. |
| Bilt Travel portal | 1.25¢ | Fixed value toward flights and hotels booked through Bilt. |
| Home down payment | 1.5¢ | Toward a down payment on a home bought through Bilt's mortgage partner. |
| Amazon | 0.7¢ | Pay with points at checkout. |
| Rent payment | 0.55¢ | Listed in Bilt's terms, but poor value. |
Transfer partners (24)
Any Bilt member can transfer to a partner account in their own name. The minimum is 2,000 points at Blue status and 1,000 points at Silver, Gold and Platinum, in multiples of 1,000.
| Partner | Type | Ratio | Award seats |
|---|---|---|---|
| Aer Lingus AerClub | Airline | 1:1 | – |
| Air Canada Aeroplan | Airline | 1:1 | Search in app |
| Air France-KLM Flying Blue | Airline | 1:1 | Search in app |
| Alaska Atmos Rewards Alaska and Hawaiian's combined program since Oct 1, 2025. | Airline | 1:1 | Search in app |
| Avianca LifeMiles | Airline | 1:1 | Search in app |
| British Airways Club | Airline | 1:1 | – |
| Cathay Pacific Asia Miles | Airline | 1:1 | – |
| Emirates Skywards | Airline | 1:1 | Search in app |
| Etihad Guest | Airline | 1:1 | Search in app |
| Iberia Club | Airline | 1:1 | – |
| Japan Airlines Mileage Bank | Airline | 1:1 | – |
| Qatar Airways Privilege Club Added May 22, 2025. | Airline | 1:1 | Search in app |
| Southwest Rapid Rewards Added April 24, 2025. | Airline | 1:1 | – |
| TAP Air Portugal Miles&Go | Airline | 1:1 | – |
| Turkish Airlines Miles&Smiles | Airline | 1:1 | Search in app |
| United MileagePlus | Airline | 1:1 | Search in app |
| Virgin Atlantic Flying Club Same Virgin Points currency as Virgin Red, which Bilt also lists. | Airline | 1:1 | Search in app |
| Accor Live Limitless 3 Bilt points become 2 ALL points. | Hotel | 3:2 | – |
| Hilton Honors | Hotel | 1:1 | – |
| IHG One Rewards | Hotel | 1:1 | – |
| I Prefer Hotel Rewards Preferred Hotels & Resorts. Added June 22, 2026. | Hotel | 1:2 | – |
| Marriott Bonvoy | Hotel | 1:1 | – |
| World of Hyatt | Hotel | 1:1 | – |
| Wyndham Rewards Added March 25, 2026. | Hotel | 1:1 | – |
"Search in app" means Award Search in the MaxWorth app, which shows award seat availability for these programs.
Cards that earn Bilt Rewards (3)
| Card | Annual fee | Top earn rates | Can transfer? |
|---|---|---|---|
| Bilt Palladium Card | $495 | 2x Everything else | Yes |
| Bilt Obsidian Card | $95 | 3x Dining · 3x Groceries · 2x Travel | Yes |
| Bilt Blue Card | $0 | 1x Everything else | Yes |
Also earning these points, but closed to new applicants: Bilt Mastercard(Legacy).
Transfers belong to the Bilt membership, not to a specific card. Members kept their points after the cards moved from Wells Fargo to Bilt Card 2.0 on Feb 7, 2026, even if they now hold no Bilt card.
Good to know
- Expiration
- Points don't expire while your Bilt account is open and active. They expire after 18 months with no account activity, and all points are lost right away if the account is closed.
- Pooling and sharing
- Bilt doesn't allow pooling or member-to-member transfers. Points can only go to partner accounts in your own name.
Frequently asked questions
How much are 100,000 Bilt points worth?
About $1,250 at MaxWorth's valuation of 1.25¢ per point. What you actually get depends on how you redeem; see the redemption options above.
Did I lose my Bilt points when Wells Fargo stopped issuing the Bilt card?
No. Your Bilt account is separate from the card. Points, status and membership carried over whether you moved to Bilt Card 2.0 or your card was converted to a Wells Fargo Autograph on Feb 7, 2026.
Can I transfer Bilt points to American Airlines?
No. The AAdvantage partnership ended in 2024. To book American flights, transfer to a oneworld partner such as Alaska Atmos Rewards, British Airways, Iberia, Aer Lingus, Cathay Pacific, Japan Airlines or Qatar Airways.
Is Bilt Cash the same as Bilt Points?
No. Bilt Cash is a separate fixed-value credit earned on Bilt Card 2.0. It can only be used inside the Bilt app and can't be transferred to airlines or hotels.
Track Bilt Rewards next to every other balance.
The MaxWorth app turns each points balance into dollars at these valuations and searches award seats for airline partners. No bank login needed.
Sources: biltrewards.com · biltrewards.com · newsroom.biltrewards.com · newsroom.biltrewards.com · upgradedpoints.com · awardwallet.com · cnbc.com. Always confirm current terms with the issuer or program.