How to Redeem Bilt Rewards

How Bilt redemptions are organised

Bilt's terms describe point uses as a menu rather than a single catalogue: transfers to participating frequent travel programmes, rent, fitness and lifestyle partners, Bilt Home Collection goods, and a down payment on a mortgage or products and services from Bilt-approved third-party merchants. [2] The terms say Bilt may add ways to use points and that current options are shown in the Bilt app or website. [2] Bilt also reserves the right to change how points can be used, what they can get, and to expire points at its discretion. [2]

For travel, Bilt's homepage offers two distinct paths. [1] Members can book with any airline or hotel brand directly through the Bilt Travel Portal, which Bilt describes as covering over 500 airlines and 700,000 hotel properties. [1] Alternatively, they can transfer points 1:1 to Bilt's airline and hotel transfer partners. [1] The portal route and the transfer route are therefore different products: one is a booking through Bilt, and the other moves points into a partner programme. [1] [2]

Transfer partners and the 1:1 ratio

Bilt's homepage states that transfers to its airline and hotel partner network are 1:1. [1] The airline transfer section is headed “17” and the names shown include United MileagePlus, Alaska Airlines & Hawaiian Airlines, Southwest Rapid Rewards, 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. [1] The hotel section is labelled as seven partners and names Hilton Honors, World of Hyatt, Marriott Bonvoy, IHG Rewards Club, Accor Live Limitless, Wyndham Rewards and Preferred Hotels. [1]

Bilt's terms add that redemption values vary and that minimum or maximum amounts may apply; they say members will be told about applicable minimums, maximums and extra terms before points are used. [2] Some transfers to certain partners, and gift card redemptions, may require additional verification or be limited by account standing, identity checks or security measures. [2] Higher-value redemptions may also require extra verification steps. [2] Once points have been used, the transaction is final and may not be cancelled unless the terms at the time say otherwise. [2] Bilt's homepage also says monthly Rent Day benefits on the first of each month can include limited-time transfer bonuses. [1]

When a direct redemption may fit better

Direct portal booking is the route in Bilt's materials that is described as covering any airline or hotel brand through a portal with over 500 airlines and 700,000 hotel properties. [1] A transfer, by contrast, goes to a participating frequent travel programme and is limited to the partners Bilt lists. [1] [2] A direct redemption is therefore the practical choice when the airline or hotel you want is not among Bilt's transfer partners. [1]

For a brand that is available in the portal and also represented by a transfer partner, both routes may be available, and the point amounts shown at the time of booking are what matter. [1] [2] Bilt's terms say redemption values vary and that minimum or maximum amounts may apply, so compare the point amounts shown for the portal booking with the transfer amount before moving points. [2] Bilt's general redemption terms say that once points are used, the transaction is final and may not be cancelled unless noted at the time. [2] Check the transfer details before confirming the move. [2]

Everyday and home redemptions

Beyond travel, Bilt's homepage lists “Pay with points” uses for student loans, a down payment on a home, rent credit, Lyft, Barry's and Amazon. [1] It also lists gift cards from Airbnb, Starbucks, Apple and Walmart, and says points can be used on everyday expenses such as Lyft rides, gift cards and Amazon purchases. [1] Bilt's terms separately list rent, fitness and lifestyle partners, Bilt Home Collection goods, and down payments or approved merchant products and services as possible uses. [2]

One condition applies to the home down-payment option: Bilt defines eligible down payments as those sourced through Bilt. [2] The terms also say that redemption values vary and that minimum and maximum amounts may apply to a particular use. [2] Bilt may offer targeted redemption options that are not available to all members and may last only a limited time. [2]

Exceptions and limits

• Eligibility. The programme is limited to legal residents of the 50 United States, the District of Columbia and US territories who are at least 18 and of legal age in their jurisdiction, and each individual may hold only one account. [2]
• Card terms. Co-branded Bilt cards may carry additional loyalty programme terms and membership requirements, and Bilt Card earning follows separate card offer terms; for earning conflicts, the cardholder agreement controls. [2]
• Account inactivity. Bilt's terms define an inactive account as one with no activity for 18 months, with activity limited to rent or mortgage payments, qualified purchases on a Bilt co-brand card, any Bilt point redemption, or participation in a Bilt promotional sweepstakes. [2] The terms say points do not expire while the account is open and active, but that a member immediately loses all points if the account status changes to inactive or the account is closed for listed reasons. [2]
• Misuse and closure. Listed reasons for loss include non-compliance, bankruptcy, fraud and misuse such as unauthorised buying or selling of points, moving points to an ineligible third party or account, or repeatedly opening accounts to generate points. [2] On cancellation, all points are lost immediately, and Bilt does not reinstate lost points unless it determines there has been an error. [2]
• Programme changes. Bilt may change how points are used, what they can get and expire points at any time; it gives no notice when changing what points can get and does not guarantee future availability. [2] If Bilt cancels the programme, members have at least 30 days to use their points, and unused points are lost. [2]
• Targeted offers. Special redemption options may be offered only to selected members and may be limited in time. [2]

Related pages

Programme: Bilt Rewards. Guides and terms: transfer points checklist, transfer ratio, minimum transfer, transfer time, cents per point, flexible points, co-branded cards vs transferable points.

Sources

Sources accessed on 18 October 2026. It covers Bilt Rewards redemption options for US members, not the redemption rules of Bilt's airline or hotel partners, including United MileagePlus, World of Hyatt or Marriott Bonvoy, and not card-specific Bilt Card terms.

1. Bilt Rewards homepage, checked 18 October 2026
2. Bilt Rewards Terms & Conditions, checked 18 October 2026