{"id":25000,"date":"2026-01-27T06:11:02","date_gmt":"2026-01-27T06:11:02","guid":{"rendered":"https:\/\/finderica.com\/?p=25000"},"modified":"2026-01-27T06:11:02","modified_gmt":"2026-01-27T06:11:02","slug":"bilt-cash-what-is-it-and-how-does-it-work","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=25000","title":{"rendered":"Bilt Cash: What Is It, and How Does It Work?"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bilt Cash is one of two rewards currencies you can earn on one of the three Bilt credit cards. Bilt Cash can\u2019t be redeemed for actual cash back or transferred directly to Bilt&#8217;s multiple <\/span><span class=\"_28z5Fp _3-to_p\">travel partners<\/span><span class=\"_28z5Fp _3-to_p\">, but you can spend it on eligible purchases through the Bilt app or on bilt.com.  <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Blue Card<\/span><span class=\"_28z5Fp _3-to_p\"> (<\/span><span class=\"_28z5Fp _3-to_p\">$0<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee).<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Obsidian Card<\/span><span class=\"_28z5Fp _3-to_p\">  (<\/span><span class=\"_28z5Fp _3-to_p\">$95<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee).<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Palladium Card<\/span><span class=\"_28z5Fp _3-to_p\">  (<\/span><span class=\"_28z5Fp _3-to_p\">$495<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee).<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bilt Cash was introduced in January 2026 when Bilt revamped its card lineup. Each $1 in Bilt Cash is typically worth $1 when redeemed within the Bilt ecosystem. One notable way to spend Bilt Cash is to essentially buy the ability to earn Bilt Points (the company&#8217;s other rewards currency) when you use your card to pay your rent or mortgage. More on that later.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you\u2019re considering one of the Bilt credit cards, here\u2019s what you need to know about Bilt Cash.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-to-earn-bilt-cash\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How to earn Bilt Cash<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">There are two options for earning Bilt Cash. You\u2019ll pick one when you activate your Bilt card, but you can change it at any time.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Option 1: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">You earn Bilt Cash as part of your welcome bonus, plus $50 of Bilt Cash for every 25,000 Bilt Points you earn. Otherwise, you won\u2019t earn Bilt Cash through your spending. Instead, the more non-housing-related spending you put on the card, the higher your \u201cpoints multiplier\u201d is for earning Bilt Points on housing costs (the multiplier ranges from 0.5 to 1.25 points per $1).\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Option 2: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">You earn Bilt Cash as part of your welcome bonus, plus 4% back in the form of Bilt Cash for purchases that aren\u2019t rent or mortgage payments. You\u2019ll also earn $50 of Bilt Cash for every 25,000 Bilt Points you earn.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-to-use-bilt-cash\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How to use Bilt Cash<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You can spend Bilt Cash to &#8220;unlock&#8221; Bilt Points on rent or mortgage payments if you choose Option 2; in this case, you&#8217;re essentially using Bilt Cash to cover a transaction fee. For every $30 in Bilt Cash you spend for this purpose, you\u2019ll earn 1,000 Bilt Points. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But there are a number of other ways to use Bilt Cash.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"monthly-and-annual-credits\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Monthly and annual credits<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You can redeem Bilt Cash dollar for dollar toward specific credits. Some credit amounts vary based on your Bilt status tier, which is determined by how many points you earn in a calendar year. Track your Bilt Cash balance, along with credits and other redemption options, in the Bilt app or on bilt.com.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">GrubHub:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $10 per month for grocery or restaurant delivery.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Gopuff:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $5 per month for delivery orders, plus $100 per year toward a Gopuff Fam membership.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Bilt Dining:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $25 per month toward one monthly visit to a Bilt Dining partner, and $50 per month to book Bilt dining experiences.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Hotel stays:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $50 per month for Blue and Silver members, and $100 per month for Gold and Platinum members, toward hotel stays booked through the Bilt travel portal. There is a two-night-stay minimum.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Lyft: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">$10 per month for rides.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Blacklane: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Annual ride credit of $50 for Blue and Silver, $100 for Gold and $150 for Platinum.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">BLADE: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Up to $350 per seat on up to two seats per year for helicopter flights to the airport.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Hotel benefits:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> It\u2019ll cost $95 in Bilt Cash for Blue and Silver members to unlock benefits available to Gold and Platinum members. These include room upgrades, $100 hotel credits, late checkout and more.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Priority Pass lounges:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Holders of the <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Palladium Card<\/span><span class=\"_28z5Fp _3-to_p\"> can bring up to two additional guests into Priority Pass airport lounges per month for $32 per guest.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Bilt Neighborhood Parking: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">$5 per month at participating locations.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Fitness classes:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $40 per month toward classes at participating fitness studios.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Walgreens:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $10 per month.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Comedy shows:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> $50 per month toward Bilt comedy experiences.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Bilt Design Collection: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">$10 per month.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note that unused credits won\u2019t roll over into the following month or year.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"point-accelerator\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Point accelerator<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you select Option 2, where you earn 4% back in Bilt Cash on non-housing purchases, you can use Bilt Cash up to five times per year to earn an extra Bilt Point per $1 spent on everyday spending categories. This is available only for the <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Obsidian Card<\/span><span class=\"_28z5Fp _3-to_p\"> and <\/span><span class=\"_28z5Fp _3-to_p\">Bilt Palladium Card<\/span><span class=\"_28z5Fp _3-to_p\">. Once activated, you\u2019ll earn extra points on up to $5,000 in spending.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3LOQui PIqV0k wnPEbn BgIPML _1WkR_n paYFr8 _1SNXHI _1voSX6 _3xUsF1 oE4ByK _119vwC knwpyt aylhii\">\n<p><span class=\"_3P4ktl zeCuXk _28z5Fp _1My7YX\" data-currency=\"Text\">\ud83e\udd13<\/span><span class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\">Nerdy Tip<\/span><\/p>\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note, again, that Bilt Cash and Bilt Points are different rewards currencies, redeemable for different things. Unlike Bilt Cash, Bilt Points can be transferred to Bilt&#8217;s travel partners. You can also use Bilt Points toward gift cards, Amazon purchases, Lyft rides, rent credits, home down payments, home decor and fitness classes. Bilt Point values vary depending on how you use them.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"bilt-cash-limitations\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Bilt Cash limitations <\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Despite having \u201ccash\u201d in its name, Bilt Cash has no actual cash value outside of the Bilt network. It can\u2019t be redeemed for a statement credit or cash back in any other form.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bilt Cash expires at the end of the year in which it was earned. You can carry over $100 in Bilt Cash from the prior year into the next one.<\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/credit-cards\/learn\/bilt-cash-what-is-it\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bilt Cash is one of two rewards currencies you can earn on one of the three Bilt credit cards. Bilt Cash can\u2019t be redeemed for actual cash back or transferred directly to Bilt&#8217;s multiple travel partners, but you can spend it on eligible purchases through the Bilt app or on bilt.com. The Bilt Blue Card<\/p>\n","protected":false},"author":1,"featured_media":25001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[3307,356,360],"class_list":{"0":"post-25000","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-bilt","9":"tag-cash","10":"tag-work"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/25000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25000"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/25000\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/25001"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}