Bilt Mastercard
Personal Card|Annual Fee: $0
US Only
Key Benefits:
- 1x points on rent (up to 100,000 points per year)
- 2x points on travel
- 3x points on dining
Your Bilt points value typically averages around 1.8 cents per point when transferred to travel partners. If you redeem through the Bilt Travel portal, the Bilt points value usually stays close to ~1.0 cent per point, which limits upside. This gap exists because Bilt transfer partners price awards differently, especially when cash fares are high or availability is constrained. What makes Bilt powerful is flexibility. You can earn consistently across categories including rent and then move points into high-value airline programs for better outcomes.
Your redemption method determines what are Bilt points worth in practice.
Fixed pricing keeps things simple but caps your returns
Flexible pricing allows your points to stretch further
Typical of portal bookings
Standard transfer outcomes
Efficient use through partner programs
Premium cabin and optimized redemptions
Higher Bilt points worth follows a pattern.
Airline programs price the same route differently, creating value gaps
Portal bookings give simplicity, but transfers unlock higher ceilings
Limited seats create higher-value opportunities
Your Bilt points value is not fixed.
Best Use: Premium partner redemptions Sweet Spot: ANA first class round-trip for ~120,000 points
Best Use: Short-haul flights with low point cost Sweet Spot: Flights starting from ~4,000 Avios one-way
Best Use: Off-peak international travel Sweet Spot: Business class to Europe or Asia at reduced mileage
Best Use: Flexible routing and Star Alliance access Sweet Spot: Polaris business class to Europe
Best Use: Star Alliance business class Sweet Spot: Business class to Europe or Asia for 45,000–63,000 miles
Best Use: Discounted Promo Rewards Sweet Spot: Business class to Europe with up to 50% fewer miles
Best Use: Long-haul premium cabins Sweet Spot: First class to Hong Kong for ~110,000 miles
NYC → Tokyo (First Class via Virgin Atlantic)
NYC → London (Business Class via British Airways)
US → Istanbul (Business Class via Turkish Airlines)
London → Paris (Economy via British Airways)
Bilt Travel portal booking
Find your best award flight with us: search across 28 airlines and make the most out of your credit card rewards. You deserve the best!
Search Award FlightsBuilding strong Bilt points value is not just about earning more points.
US Only
Key Benefits:
US Only
200,000 Membership Rewards® points after $20,000 in purchases in the first 3 months
Key Benefits:
US Only
100,000 Membership Rewards® points after $15,000 in purchases in the first 3 months
Key Benefits:
100,000 Ultimate Rewards points after $8,000 in purchases in the first 3 months
Key Benefits:
US Only
80,000 points after $8,000 in purchases in 6 months
Key Benefits: