Status: checked against official sources; automated independent review
Part of Bilt Rewards hub
PROGRAMME PROFILE
Bilt Rewards Card: Terms, Earning and Transfer Partners
Bilt Rewards Card is the group of three co-branded credit cards — Bilt Blue, Bilt Obsidian and Bilt Palladium — issued by Column N.A. and connected to the Bilt Rewards programme, which earns Bilt Points on rent and mortgage payments made through Bilt with no transaction fee. [1] All three cards earn up to 1.25X points on housing payments, and Bilt Points can be transferred to airline and hotel programmes at a 1:1 ratio. [1]
Facts checked: 18 October 2026
Key takeaways
- Bilt offers three cards — Blue at $0 annual fee, Obsidian at $95 and Palladium at $495 — and all three carry no transaction fee on rent, mortgage and HOA payments made through Bilt. [1]
- On the Housing-only rewards option, the points multiplier on housing rises with everyday spending in the same billing cycle, up to 1.25X. [1]
- Bilt Points transfer at a 1:1 ratio to Bilt travel partners. [1]
- Points do not expire while the account is open and active, but an account with no activity for 18 months is treated as inactive. [2]
What are the three Bilt cards and how much do they cost?
Bilt publishes three cards on shared housing terms: each carries no transaction fee on rent, mortgage and HOA payments made through Bilt, and each earns up to 1.25X points on rent and mortgage payments when the Housing-only rewards option is selected. [1] They differ in annual fee and in the bonus rates paid on everyday spending. [1]
| Card | Annual fee | Welcome offer | Earning highlights | Annual Bilt Travel Hotel credit |
|---|---|---|---|---|
| Bilt Blue | $0 | $100 Bilt Cash | Up to 4X at Bilt dining partners; 3X on hotels booked through Bilt Travel; 3X on Lyft; 2X on flights through Bilt Travel; 1X elsewhere [1] | Not included |
| Bilt Obsidian | $95 | $200 Bilt Cash | Up to 6X at Bilt dining partners; 3X on dining or grocery, with grocery subject to a cap; 4X on hotels and 3X on flights through Bilt Travel; 2X on other travel [1] | $100, paid as two $50 statement credits |
| Bilt Palladium | $495 | $300 Bilt Cash, plus 50,000 Bilt Points and Gold Status after $4,000 of spending in the first 90 days [1] | Up to 5X on Bilt dining; 4X on hotels and 3X on flights through Bilt Travel; 4X on Lyft; 2X on everyday purchases [1] | $400, paid as two $200 statement credits |
The Palladium welcome points require the $4,000 of spending to exclude rent and mortgage payments, and only qualifying hotel bookings made through the Bilt Travel Portal count towards the hotel credit. [1] Bilt states that multipliers outside rent and mortgage include both the Bilt loyalty membership and the card multiplier, and that none of the three cards charges foreign transaction fees. [1] New eligible purchases carry a 10% intro APR for 12 billing cycles after account opening, after which a variable APR of 26.74% to 34.74% applies. [1]
How do you earn Bilt Points on rent and mortgage payments?
With a Bilt card, a $2,000 rent payment costs $2,000, because Bilt applies no transaction fee to housing payments. [1] The charge is processed on the card and paid off by the linked bank account within 24 hours, keeping the credit line free for everyday spending. [1] Members can pay through a landlord's or servicer's portal, by Venmo, by check through Bilt BillPay, or by giving ACH account and routing details. [1]
Under Housing-only rewards, the multiplier for a billing cycle is set by how much the member spent on everyday purchases relative to the housing payment, and points post after the statement closes. [1]
| Everyday spend in the billing cycle | Multiplier on housing | Points on $2,000 rent |
|---|---|---|
| 25% of the housing payment | 0.5X | 1,000 |
| 50% of the housing payment | 0.75X | 1,500 |
| 75% of the housing payment | 1X | 2,000 |
| 100% or more of the housing payment | 1.25X | 2,500 |
A member who does not reach the 25% minimum in a cycle earns 250 points. [1] Under the alternative Flexible Bilt Cash option, points on housing of up to 1X are unlocked by redeeming Bilt Cash, a separate currency earned at 4% back on everyday purchases, where every $30 of Bilt Cash redeemed converts into 1,000 Bilt Points. [1] There is no annual cap on housing payment amounts and no limit on the number of properties a member can pay through Bilt. [1]
Members who pay through Bilt without a Bilt card earn on a different scale, set out in the programme rules: up to 250 points per monthly rent payment made by ACH, debit card, peer-to-peer provider or flexible payment solution, and 1 point per $2 when rent is paid with a Visa, Mastercard, American Express or Discover credit card. [2] For mortgage payments without a Bilt card, the rules list a flat 100 points by ACH, 250 points by debit card and 1 point per $2 on a Mastercard. [2]
Which airline and hotel partners can you transfer Bilt Points to?
Bilt Points transfer at a 1:1 ratio to travel partners. [1] Bilt's card page describes 28 airline and hotel transfer partners [1], while the rewards homepage groups the network as 17 airlines and 7 hotels and names these programmes: United MileagePlus, Alaska Airlines & Hawaiian Airlines, Southwest Rapid Rewards, the British Airways Club, JAL Mileage Bank, Air France/KLM Flying Blue, Virgin Atlantic Flying Club, Air Canada Aeroplan, Turkish Airlines Miles&Smiles, Aer Lingus Aerclub, TAP Miles&Go and Iberia Plus among the airlines, and Hilton Honors, World of Hyatt, Marriott Bonvoy, IHG Rewards Club, Accor Live Limitless, Wyndham Rewards and Preferred Hotels among the hotels. [3] Bilt directs members to its rewards page for the complete and current partner list. [1]
Points can also be booked through the Bilt Travel Portal, which covers more than 500 airlines and 700,000 hotel properties [3], or used for rent and mortgage payments, Lyft rides, fitness classes, statement credits, eligible student loan payments and a home down payment. [1] The programme rules list transfers to frequent travel programmes, rent, fitness and lifestyle partners, Bilt Home Collection goods and a down payment on the initiation of a mortgage. [2] Transfers to some partners may require additional verification before they complete. [2]
What protections come with the Bilt cards?
All three cards include Cellular Wireless Telephone Protection, Purchase Assurance and MasterRental Coverage, which reimburses covered damage or theft to a rental car. [1] Obsidian and Palladium add Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Extended Warranty and Lost or Damaged Luggage Insurance. [1] Palladium additionally carries Baggage Delay Insurance and Price Drop Protection, plus Priority Pass lounge access at more than 1,300 airports. [1]
Exceptions and limits
- Who can hold the card and programme account. Bilt Rewards is open to legal residents of the 50 United States, the District of Columbia and US territories who are at least 18 and have reached the age of majority where they live; only individuals may join, with one account each. [2] Approval decisions are made by the bank partner, and Bilt does not publish minimum credit score requirements; a declined applicant can apply again in 45 days. [1]
- Mortgage limits. Only eligible residential mortgages are supported, and commercial mortgages are not; where a servicer is not linked directly, Bilt provides a BillPay account and asks members to allow at least three business days for the servicer to receive the payment. [1] For mortgage payments made without a Bilt card, points are earned per qualifying contractual Mortgage Payment per loan, not per calendar month; a payment consisting solely of additional principal, escrow or other amounts beyond the monthly contractual amount does not earn points, although a payment that bundles the contractual amount with additional principal, escrow or other amounts in one transaction still qualifies. Payments submitted more than 30 days ahead of the contractual due date do not earn points. [2]
- Bilt Cash expiry. Bilt Cash expires on 31 December of the calendar year in which it was earned, including cash earned in November and December, and up to $100 carries over to the following year. [1]
- Point expiry and forfeiture. Points do not expire while the account is open and active, but all points are lost immediately if the account becomes inactive or is closed, including for bankruptcy, suspected fraud or misuse such as unauthorised buying and selling of points. [2] Lost points are not reinstated unless Bilt determines there has been an error. [2]
- Spending that does not count towards status. Balance transfers, cash advances, gift cards, person-to-person payments, tax payments other than property taxes included as Bilt Housing Payments, cryptocurrency purchases, and fees or interest do not count towards Bilt tier status. [2]
- Changes to terms. Bilt gives 45 days' notice of changes such as new or higher fees, a changed earn rate, limits on how many points can be earned, a change of bank partner or cancellation of the programme, but gives no notice when it changes what points can be redeemed for. [2] The programme terms were last updated 14 July 2026. [2]
Frequently asked questions
Does a Bilt card charge a fee to pay rent?
No. Every Bilt card earns rewards on rent and mortgage payments made through Bilt with no transaction fee, so a $2,000 rent payment is $2,000. [1] Where a landlord does not accept cards or adds a card fee, Bilt offers ACH details, Venmo and check payments to avoid it. [1]
Do Bilt Points expire?
Points do not expire while the account is open and active, but an account with no activity for 18 months becomes inactive, and the points are then lost. [2] Rent or mortgage payments, qualified card purchases, redemptions and participation in Bilt promotional sweepstakes all count as activity. [2]
Can you pay a mortgage with a Bilt card?
Yes. Bilt links supported servicers directly and provides a BillPay account for others, and asks members to allow at least three business days for the payment to arrive. [1] Only eligible residential mortgages are supported; commercial mortgages are not. [1]
Do you still need five card transactions a month to earn on rent?
No. Bilt says the five-transaction monthly minimum belonged to the original Bilt Card and does not apply to any Bilt Card 2.0 product; what a member earns on housing depends on the rewards option selected, not on the number of transactions. [1]
How many transfer partners does Bilt have?
Bilt's card page describes 28 airline and hotel transfer partners, with points transferring at a 1:1 ratio. [1] The rewards homepage groups the network as 17 airlines and 7 hotels. [3]
Sources
Sources checked on 18 October 2026. The page covers only the US Bilt Rewards cards and the Bilt Rewards programme terms that apply to them; other card programmes and their transfer partners are not covered here.
- Bilt credit cards: card range, benefits and card terms, checked 18 October 2026
- Bilt Rewards terms and conditions, last updated 14 July 2026, checked 18 October 2026
- Bilt Rewards homepage: transfer partners and redemption options, checked 18 October 2026