All articles
Your 2027 Bilt Program Updates
Your home is where your rewards start, but it’s not the only place you spend your time. We’re excited to announce we’re updating how you earn with Bilt so that more of your everyday life, from the way you pay your rent or mortgage to the places you eat and work out count toward rewards.
Here’s how we’re doing that.
Coming in 2027: Daily Rewards
Introducing Daily Rewards: Earn rewards every day, with a chance to win a $1,000,000 toward a home
Beginning 1/15/27, the rewards you earn at home and the ones you earn in your neighborhood come together in Daily Rewards. Every on-time monthly rent or mortgage payment earns a Daily Reward. So does one daily activity with a qualifying neighborhood partner: a meal, a class, or a ride.
Each Daily Reward reveals two rewards, and you choose one to claim. Rewards range from instant prizes like Bilt Points and Bilt Cash to collectibles that build toward a chance to win a grand prize*, including:
$1,000,000 toward the purchase of a home
10,000,000 Bilt Points
Free rent or mortgage for a year
Free Lyft rides for a year
Your dream getaway
Daily Rewards will be how you're rewarded for paying rent or mortgage with a bank account, debit card, or credit card. Every on-time housing payment and applicable daily neighborhood visit unlocks a reward, instant points, credits, or progress toward grand prizes.
If you are a Bilt cardholder, your point earnings don’t change. You keep earning Bilt Points on rent and mortgage just as you do today, and Daily Rewards are added on top.
We created Daily Rewards so even more of your life in your neighborhood can be rewarded, with even bigger prizes on the table. We’ll release more prizes and rules in the new year.
*All prizes subject to terms, to be provided before 1/15/27
Updates to Bilt Cash
Your Bilt Cash is getting an extension, with no more year-end deadline.
More time to use your Bilt Cash. Bilt Cash now expires at the end of the month, 12 months after it's earned.² No more year-end expiration or rollover. For example, $100 earned in February 2026 will now expire on February 28, 2027.
Book hotels with Bilt Cash, twice a year. Starting 1/1/27, Bilt Cash hotel redemptions change from monthly to twice a year. Redeem up to $50 (Blue/Silver Status - $100 per year), $100 (Gold/Platinum Status - $200 per year), or $200 (eligible Palladium cardholders - $400 per year) in Bilt Cash toward eligible Bilt Hotel bookings each time.²
Keep earning Bilt Cash on milestones. You’ll keep earning $50 of Bilt Cash for every 25,000 Bilt Points.
Your Bilt Status goes even further
Unlock even more with Bilt Elite Status
More ways to use your points. Gold and Platinum members will be able to redeem Bilt Points at checkout for Home Away from Home hotel bookings in 2027, including access to eligible luxury hotel benefits.
Unlock status matches with Rental Cars loyalty programs. Members with Elite Status will unlock access to the following status match offers in 2027:
Platinum members can unlock status matches to SIXT ONE Platinum Status, and Hertz President’s Circle®.
Gold and Silver members can unlock status matches to SIXT ONE Gold status and Hertz Five Star®.
What’s next for the Bilt Card
A simpler way to earn with the Bilt Card
Available now:
Product upgrades are now live in the Bilt app. Visit card settings in the Bilt app to see if you're eligible.
Starting on your card account anniversary, your Bilt Card moves to a simpler set of benefits.¹,²
Everyone earns up to 1.25X points on rent or mortgage. We’re simplifying the program and retiring Flexible Bilt Cash mode, which earns 4% back in Bilt Cash on everyday spend. If you’d like to keep earning in Flexible Bilt Cash mode, you may opt out of the new benefits in your card settings before your card anniversary date. This means you’ll keep any eligible annual credits, and you won’t be able to switch between Flexible Bilt Cash and Housing-only mode.
Palladium and Obsidian cardholders: Your annual Bilt Cash credits are dropped on your card account anniversary. Any annual Bilt Cash credits you get with your card are now deposited on your card account anniversary instead of January 1.
Palladium and Obsidian cardholders: Redeem Bilt Cash for Point Accelerator. All Obsidian and Palladium Cardholders with the new set of benefits will still be able to redeem Bilt Cash for Point Accelerator.
Palladium cardholders: $600 Bilt Cash annual credit. Your $200 Bilt Cash credit and $400 hotel credit become one $600 Bilt Cash credit each year. Use it toward eligible hotel stays or across all our redemptions.
Obsidian cardholders: $100 Bilt Cash annual credit. Your $100 Bilt Travel Hotel credit becomes $100 of Bilt Cash each year. Use it toward eligible hotel stays or across all our redemptions.
Your everyday points stay the same. The points multipliers you earn on everyday purchases with your Bilt Card aren’t changing.
Your home is where your rewards start, and your neighborhood is where they keep going. That’s why Bilt exists, and these updates are the next step in that journey. To learn more, visit bilt.com/daily-rewards.
Thank you for being a part of this community. We appreciate your loyalty and can’t wait for you to experience all the new benefits.
The Bilt Team
——
Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.
