Bilt
Bilt Rewards (Cardless) · $0 / $95 / $495 annual fee

What Bilt changes on every stack

Last verified September 15, 2026 ·Terms re-checked monthly·Report a wrong rate
Up to 50,000 pts welcome offer
What it changes →Issuer's page

Some links earn us a commission. They never change the strategy we recommend. Disclosure

Bilt is on this site because of the Rakuten payout. Rakuten will pay your cashback as Bilt points instead of cash, at 100 points per dollar for Silver status and above (50 for Blue, since a May 2026 change), and Bilt points transfer 1:1 to Alaska Atmos Rewards, World of Hyatt, United, and Virgin Atlantic. That turns Bergdorf's 15% Rakuten rate into 15 Alaska miles per dollar. The cards themselves, relaunched in February 2026 as Bilt Blue, Obsidian, and Palladium, earn 1x to 2x at the retailers here plus 4% back in Bilt Cash, and they no longer have a five-transaction rule. Bilt has no shopping portal of its own and no premium-retail card offers, so on a Stackable page it's the payout currency, not the payment card.

The 30-second answer

How this card earns on Stackable retailers

  • Rakuten payout (any Bilt member, no card needed)
    Silver, Gold, Platinum status. Blue members get 50 per dollar since May 15, 2026
    100 pts / $1
  • Every retailer on this site, Palladium
    2x + 4% Bilt Cash
  • Every retailer on this site, Blue and Obsidian
    1x + 4% Bilt Cash
  • Travel (general), Obsidian and Palladium
    Sixt, Vrbo, Marriott, airlines direct
    2x
  • Rent and mortgage
    Funded by Bilt Cash; no transaction fee
    Up to 1.25x
  • Rent Day (the 1st)
    Obsidian 6x dining and grocery, 4x travel; Blue and Palladium 2x and 4x everyday, capped at 1,000 bonus points
    2x to 6x
Welcome offer
Up to 50,000 pts
Palladium: $300 Bilt Cash plus 50,000 points after $4,000 in three months, plus Gold status. Obsidian: $200 Bilt Cash. Blue: $100 Bilt Cash. As seen January to September 2026.
What it changes on each retailer →Live card offers
Affiliate disclosure: some links earn us a commission. They never change which strategy we recommend. Methodology · Full disclosure.

Credits, and which ones stack with a portal

CreditValueHow it worksPortal stacks?
Bilt Cash
In-app		4% of spendEarned on non-housing spend on all three cards, plus $50 per 25,000 points earned in a year, plus $200 a year on Palladium. Expires December 31 with $100 rollover. Spends on housing points, dining credits, hotels, fitness.Yes
Hotel credit (Bilt Travel)
Bilt Travel only		$100 / $400Obsidian $100 and Palladium $400 per year, split semiannually, on two-night Bilt Travel bookings. Bilt Travel is not on any cashback portal. Terms ↗No
Bilt Dining
Direct		3x to 5xBonus points at Bilt Dining partner restaurants on a linked card.No

The rule this page exists for

Bilt earns modestly at the retailers on this site. What it changes is what your Rakuten cashback becomes. Set the payout to Bilt and a 15% Bergdorf rate is 15 points per dollar, transferable 1:1 to Alaska, Hyatt, United, or Virgin Atlantic. No card is required for that; a free Bilt account is enough. Hold Silver status or above and the rate is 100 points per dollar of cashback; at Blue it’s 50.

The 2026 cards

Bilt Card 2.0 launched February 7, 2026 with Cardless: Blue ($0), Obsidian ($95), Palladium ($495). Palladium earns 2x on everything and 4x on Rent Day; Obsidian earns 3x on dining or grocery (your choice) and 2x on travel; all three earn 4% Bilt Cash on non-housing spend and 1x on everything else. Rent and mortgage earn up to 1.25x, funded by Bilt Cash rather than a transaction fee. The old Wells Fargo card stopped earning on new spend the same day.

On a Stackable retailer page the card earns 1x or 2x. Pay with whichever card holds a live Amex or Chase offer instead, and let Bilt be where the cashback lands.

Rent Day and transfer bonuses

The first of each month brings elevated earning (2x to 6x by card and category, capped) and, most months, a transfer bonus tiered by status. September 2026 was Virgin Atlantic at 25% (Blue) to 75% (Platinum). 2026 has seen Hilton 200%, TAP 125%, BA/Iberia/Aer Lingus 100%, Wyndham 125%, JAL 125%, and Accor 125%. None is live mid-month.

Transfer partners in 2026

1:1 to Alaska Atmos Rewards, United, Air France/KLM, Virgin Atlantic, Aeroplan, Avianca, British Airways, Iberia, Aer Lingus, Qatar, Cathay, Emirates, Etihad, Turkish, TAP, Southwest, Japan Airlines, Hyatt, Marriott, Hilton, IHG, and Wyndham; Accor at 3:2 and I Prefer at 1:2. American Airlines is not a partner.

What it changes, by retailer

RetailerWith this card
Bergdorf Goodman, Sixt, StubHub, VrboThe high-rate Rakuten pages. With payout set to Bilt at Silver+, 15%, 12%, 10%, and 6% cashback become 15, 12, 10, and 6 transferable points per dollar. That's the entire Bilt play on this site.
Alaska AirlinesBilt is the only transferable currency that reaches Alaska Atmos Rewards 1:1. Rakuten cashback paid as Bilt, then transferred, is a route to Alaska miles that Amex and Chase can't offer.
Marriott, Four Seasons2x on Obsidian and Palladium booked direct through a portal. Bilt Travel's hotel credit requires its own portal and doesn't track on Rakuten. Marriott transfers 1:1 per Bilt's page.
Qatar, Virgin Atlantic, Turkish2x on the premium cards booked direct. Qatar Avios, Virgin Atlantic, and Turkish are all 1:1 Bilt transfer partners; a September Rent Day ran a 25% to 75% Virgin Atlantic bonus by status.
Fashion, home, tech, beauty pages1x or 2x plus 4% Bilt Cash on the card. No Bilt-linked offers at any of these merchants. Pay with an Amex or Chase card holding a live offer instead, and route the Rakuten payout to Bilt.

If this card fits your stack, apply here.

This link goes straight to Bilt Rewards (Cardless). We don't earn anything from it today; if that changes, this line will say so.

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Get alerted when this card's offers or credits change.

We email when a new Amex or Chase offer lands at a retailer on this site, and when an issuer changes a credit that affects a stack.

FAQ

How does the Rakuten-to-Bilt payout work?
Create a free Bilt Rewards account (the app is enough; no card required), then set Rakuten's payout preference to Bilt. Each quarterly payment lands as points: 100 per dollar of cashback at Silver status and above, 50 per dollar at Blue since May 15, 2026. Switch before the quarter closes; it isn't retroactive.
What changed with Bilt Card 2.0?
In February 2026 Bilt moved from the Wells Fargo card to three Mastercards issued with Cardless: Blue ($0), Obsidian ($95), Palladium ($495). The five-transactions-per-statement rule is gone, replaced by Bilt Cash: cards earn 4% back in Bilt Cash on non-housing spend, and $30 of Bilt Cash unlocks 1,000 points on rent or mortgage. In practice you need everyday spend of roughly three quarters of your rent to earn 1x on it.
Does Bilt have a shopping portal?
No. Rakuten is the shopping route, and Bilt is the payout option. Bilt's card-linked offers cover dining, fitness, Lyft, Walgreens, and parking, not premium retail.
Which transfer partners matter for this site?
Alaska Atmos Rewards (the only 1:1 route from a transferable currency), World of Hyatt, United, Virgin Atlantic, Qatar Avios, Turkish, Air France/KLM, and Marriott, all 1:1. American Airlines is not a partner. Minimum transfer is 2,000 points at Blue, 1,000 at Silver and above.
How is status earned in 2026?
Silver at 50,000 points earned or $10,000 of qualifying non-housing spend in a year; Gold at 125,000 or $25,000; Platinum at 200,000 or $50,000. Status sets the Rakuten payout rate (50 vs 100 per dollar) and the Rent Day transfer bonus tier.
What are Bilt points worth?
1.25 cents in Bilt Travel for cardholders, 1.5 toward a home down payment, about 0.7 for gift cards, and 1.5 to 2 when transferred to Hyatt or an airline for a premium seat. This site uses 1.5 for math.

Sources

What we read to write this page. Every link is the company's own page, not a summary of it.

Paxton Pennington
Written and verified by the Stackable team · Paxton Pennington, founder

Stackable started when a search for the best week to buy luggage turned up only coupon sites that were wrong, expired, or worse. Every page here is the team reading the portal's own store page, the issuer's offer terms, and the retailer's policies, on the date shown, with a named person accountable for it. How pages are made · LinkedIn

Related guides

Rakuten, explained

How to switch the payout to Bilt or Membership Rewards.

Alaska Airlines savings guide

The airline Bilt points reach that nothing else does.

American Express Platinum

The other points currency Rakuten will pay out in.