Bilt Points Value Calculator

What your Bilt Rewards points are worth, what your rent and spending earn, and where to send them. Data verified September 2026.

What are your points worth?

Your Bilt points balance

Earning calculator

Bilt earns on rent with no transaction fee — plus category multipliers on card spend.

Monthly rent ($) — 1x

Dining / month ($) — 3x

Travel / month ($) — 2x

Everything else / month ($) — 1x

⚠️ You must make 5 transactions on the card each statement period to earn points at all.

🎉 Rent Day (the 1st of each month): double points on non-rent categories (dining 6x, travel 4x, other 2x), capped at 1,000 bonus points.

ℹ️ Bilt 2.0 (Feb 2026): the original Bilt Mastercard was replaced by three cards — Bilt Blue ($0/yr), Bilt Obsidian ($95/yr) and Bilt Palladium ($495/yr) — each with different earn rates; rates shown here reflect the Bilt Obsidian card. Check bilt.com for your card's exact rates.

Best Bilt transfer partners

Ranked by estimated value per Bilt point transferred (all 1:1 unless shown).