Bilt is adjusting several elements of its rewards program beginning in 2027, with an immediate update to how Bilt Cash expires. The changes aim to simplify choices for members while preserving flexibility for those already enrolled. Travelers who rely on points and cash back to fund future trips can review the details now to plan redemptions and card selections accordingly. The updates appear in reporting from The Points Guy.
Rolling Expiration Extends Time to Redeem
Bilt Cash will now follow a rolling 12-month expiration schedule rather than a single calendar-year deadline. Cash earned in November 2026, for example, will remain available through the end of November 2027. The policy applies retroactively to existing balances, and the Bilt app will display clear expiration dates for each portion of a member’s holdings. This adjustment replaces the prior rule that limited most balances to use by December 31 of the year earned, with only a small carryover amount permitted. Members gain a full year from the date of earning to apply the cash toward travel or other redemptions. The longer window supports more deliberate trip planning across seasons.
Streamlined Earning Options for New Cardholders
Beginning in 2027, new Bilt credit cardholders will receive rewards solely through the housing-focused program. This approach awards up to 1.25 points per dollar on rent or mortgage payments and removes the separate 4 percent Bilt Cash earning path on everyday spending. The shift reduces the number of decisions members must make at signup. Existing cardholders who open or hold a card by December 31, 2026, retain the ability to keep their current selection between the two earning structures. Those who prefer the cash option must actively opt out of the new benefits before their card anniversary to maintain it.
Revised Annual Credits and Redemption Limits
Annual card credits are also being consolidated. The Bilt Palladium Card will provide $600 in Bilt Cash each year starting January 15, 2027, replacing the previous combination of cash and hotel credits. The Bilt Obsidian Card will offer $100 in Bilt Cash annually under the same timeline. Deposits will align with each member’s card anniversary rather than January 1. Hotel redemptions using Bilt Cash will move from a monthly allowance to two redemptions per year, with tiered limits that remain available to all members. Blue and Silver members may apply up to $50 per redemption, Gold and Platinum members up to $100, and Palladium cardholders up to $200. Legacy Palladium holders who retain the prior credit structure can continue to combine benefits for certain stays.
| Card Tier | New Annual Bilt Cash | Hotel Redemption Frequency |
|---|---|---|
| Palladium | $600 | Twice yearly, up to $200 each |
| Obsidian | $100 | Twice yearly, up to $100 each |
| Gold/Platinum | Varies by selection | Twice yearly, up to $100 each |
New Daily Rewards and Elite Perks
Bilt will introduce Daily Rewards on January 15, 2027. Members earn these for on-time housing payments and qualifying purchases at neighborhood partners such as restaurants, fitness studios, or rideshare services. One reward is available per day, and members may choose an instant payout in points or cash or contribute toward larger prize drawings. Gold and Platinum members will gain the ability to apply Bilt Points at checkout for Home Away From Home hotel reservations booked through Bilt Travel, even when using a non-Bilt card. In addition, elite tiers will receive automatic rental-car status through new partnerships with Sixt and Hertz. Existing cardholders keep the option to maintain their current benefits structure, including access to the points accelerator for boosted earning rates. These measured updates give travelers clearer timelines and more predictable tools for funding trips. Members can evaluate their current selections against the 2027 framework to align rewards with upcoming travel plans.
AI Disclaimer: This article was created with the assistance of AI tools and reviewed by a human editor.