Best ways to use Bilt Mastercard points
The Bilt Mastercard earns Bilt Rewards points. Here's how to use them well — transfer partners, sweet spots, and when it's worth holding the card.
Card snapshot
Issuer
Wells Fargo (Bilt Rewards)
Program
Bilt Rewards
Annual fee
$0
Earning rates
- 1× on rent (unique — no other card earns on rent without fees)
- 3× on dining
- 2× on travel
- 1× on other purchases
- Rent earning requires at least 5 transactions per statement period
Top benefits
- No annual fee
- Transfer 1:1 to American Airlines (unique — only Bilt + Citi TY do this)
- Transfer to Atmos Rewards
- Transfer to Virgin Atlantic, United, Turkish
- Rent Day (1st of each month) bonuses — often 2× on dining or 5× on travel
Best ways to use the points
- Pay rent with no fee and earn points (typically worth $20–$30/month per $1,500 rent)
- Transfer to AAdvantage for Qsuite business class awards
- Rent Day transfer bonuses (periodic 100%+ bonuses to partners)
Transfer partners
Bilt Mastercard points transfer to:
Drawbacks
- Requires 5+ transactions per statement to earn rewards
- Landlord must be on Bilt network (or you pay via ACH/check through the app)
Our verdict
If you rent, Bilt is effectively free money. The AAdvantage and Alaska transfer partners are unique among flexible programs. Hold it even if it's not your primary card.
Find award availability before you transfer
Points transfers are almost always non-reversible. Use AwardLocker to confirm saver space first, then move your Bilt Rewards points only when you're ready to book.
Check availability →