CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
Bilt Rewards offers one of the strongest transfer partner networks in the industry with 21 partners at mostly 1:1 ratios. The Bilt 2.0 overhaul in January 2026 changed how points are earned on housing — now requiring everyday spend or Bilt Cash to unlock housing rewards — but the program's transfer value remains compelling for travel enthusiasts.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
Transfer to 23 loyalty programs
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| 1:1 | instant | 88% | — | |
| 1:1 | 5-7 days | 82% | 1.5 cpp | |
| 1:1 | instant | 76% | 1.4 cpp | |
| 1:1 | instant | 76% | 1.35 cpp | |
| 1:1 | 5-7 days | 76% | 1.35 cpp | |
| 1:1 | instant | 71% | — | |
| 1:1 | 5-7 days | 71% | — | |
| 1:1 | instant | 65% | — | |
| 1:1 | 5-7 days | 65% | — | |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
Transfer to 23 loyalty programs
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| 1:1 | instant | 88% | — | |
| 1:1 | 5-7 days | 82% | 1.5 cpp | |
| 1:1 | instant | 76% | 1.4 cpp | |
| 1:1 | instant | 76% | 1.35 cpp | |
| 1:1 | 5-7 days | 76% | 1.35 cpp | |
| 1:1 | instant | 71% | — | |
| 1:1 | 5-7 days | 71% | — | |
| 1:1 | instant | 65% | — | |
| 1:1 | 5-7 days | 65% | — | |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 15,000 | — | economy | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Japan in Economy | 27,000 | — | economy | asia |
| US to Hawaii in First Class | 30,000 | — | first | united_states |
| US to South Korea in Economy | 30,000 | — | economy | asia |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
| Park Hyatt Paris-Vendôme | 35,000 | — | — | europe |
Showing top 20 of 33 sweet spots
Transfer to 23 loyalty programs
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | 5-7 days | — | — | |
| 1:1 | 5-7 days | — | 1.8 cpp | |
| 1:1 | 5-7 days | — | 1.3 cpp | |
| 1:1 | instant | 88% | — | |
| 1:1 | 5-7 days | 82% | 1.5 cpp | |
| 1:1 | instant | 76% | 1.4 cpp | |
| 1:1 | instant | 76% | 1.35 cpp | |
| 1:1 | 5-7 days | 76% | 1.35 cpp | |
| 1:1 | instant | 71% | — | |
| 1:1 | 5-7 days | 71% | — | |
| 1:1 | instant | 65% | — | |
| 1:1 | 5-7 days | 65% | — | |
| 1:1 | 5-7 days | 53% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | 5-7 days | 100% | 1.7 cpp | |
| 3:2 | instant | 86% | 2 cpp | |
| 1:1 | 5-7 days | 41% | 0.7 cpp | |
| 1:1 | 5-7 days | 35% | 0.6 cpp | |
| 1:1 | instant | 29% | 0.5 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
cathay_pacific_asia_miles | 1:1 | instant | — | — |
turkish_miles_and_smiles | 1:1 | 5-7 days | — | — |
air_france_klm_flying_blue | 1:1 | 5-7 days | 76% | — |
Yes. You can now use Bilt to pay your mortgage. You can earn points on that mortgage payment by using Bilt Cash or spending a certain percentage of your housing on non-housing spend. $30 in Bilt Cash earns 1,000 points, so if your housing is $1000/month, you'll need $30 in Bilt Cash to earn 1,000 points.
We value Bilt Rewards at 1.55 cents per point and Chase Ultimate Rewards at 1.60 cents per point, so Bilt holds up very well. Their transfer partners rival, and mabye even surpass Chase's, which are widely considered the strongest in the hobby.
The best way to use Bilt points is to transfer them to one of Bilt's partners and redeem for travel. High-value options include Alaska Airlines, Flying Blue, Southwest Airlines, United Airlines, and World of Hyatt, all with great sweet-spot redemptions.
You can, but we don't recommend it. Cashing out Bilt points for a statement credit gives you only 0.55 cents per point, which is a poor rate. You can easily get triple that value, often more, by transferring to one of Bilt's travel partners.
With Bilt 2.0, housing payments no longer earn points by default. You must either spend a percentage of your housing amount on non-housing purchases (25% for 0.5x, 50% for 0.75x, 75% for 1x, 100% for 1.25x on housing) or use Bilt Cash ($30 in Bilt Cash unlocks 1,000 points on $1,000 of housing).
Bilt Cash is a fixed-value currency introduced with Bilt 2.0. You earn 4% Bilt Cash on all non-housing purchases and $50 in Bilt Cash for every 25,000 points earned. Its primary use is unlocking points on housing payments, but it can also be redeemed for hotel credits, transfer bonus upgrades, Lyft credits, and dining experiences.
Yes. Bilt 2.0 expanded housing payments to include mortgages. Like rent, mortgage payments are made via bank transfer and require either everyday spending or Bilt Cash to earn points on the housing amount.
