Bilt 2.0 Calculator

On January 15, 2026, Bilt 2.0 launched with three new card offerings: Bilt Blue Card, Bilt Obsidian Card, and the Bilt Palladium Card. Which card is best for you? View offers here.

Crunch your numbers to see which card is potentially the best fit for your situation. 

All information has been gathered independently by asksebby.com.

Bilt 2.0 Calculator

Calculation Methodology

• Year 1 = first 12 months of card membership
• Year 2 = the following 12 months afterward

Bilt 2.0: Option 1 vs Option 2

If you are a cardholder, you have two options to choose from on how to earn rewards on the card.

Option 1: Earn points on housing (automatic points)

• Pay your full rent or mortgage each month with no transaction fee.
• You earn points on housing automatically instead of earning Bilt Cash from everyday purchases.
• Everyday purchases do not earn Bilt Cash, but you may still receive any welcome or annual Bilt Cash credits tied to the card.
• Your points multiplier on housing depends on how much you spend on the card each month, up to 1.25×.

Points multiplier tiers (monthly spend vs. rent)

• 0.5× if you spend 25% of rent ($500)
• 0.75× if you spend 50% of rent ($1,000)
• 1.0× if you spend 75% of rent ($1,500)
• 1.25× if you spend 100%+ of rent ($2,000+)

Option 2: Earn Bilt Cash on everyday purchases

• Pay your full rent or mortgage each month with no transaction fee.
• Earn 4% back in Bilt Cash on everyday purchases, in addition to base points.
• You can apply some or all of your Bilt Cash to increase the points you earn on housing that month.
• You can also redeem Bilt Cash dollar-for-dollar for monthly credits within Bilt (subject to monthly, merchant-specific caps), or for benefits such as transfer bonuses and access to experiences.

What Is Bilt Cash?

How you earn Bilt Cash

• You automatically earn $50 in Bilt Cash for every 25,000 Bilt Points you earn toward status.
• You can still earn points on housing and other Bilt partner spending, whether you pay by bank account, Venmo, debit card, credit card, or a Bilt Card.

How Bilt Cash works

• Bilt Cash can be used for certain purchases and credits inside Bilt’s partner programs.
• When you redeem Bilt Cash for an eligible credit, it applies as a dollar amount (for example, $10 of Bilt Cash covers $10 of an eligible credit), subject to the specific rules and caps for that credit.

Extra ways to earn Bilt Cash if you have a Bilt co-brand card

• Cardholders receive Bilt Cash when they activate the card (the amount depends on the card).
• If your card is set to the Bilt Cash earning option, everyday purchases can earn 4% back in Bilt Cash, in addition to base points.
• If you choose the alternative housing-points option instead, you earn tiered points on rent/mortgage (up to 1.25×), and you do not earn 4% back in Bilt Cash on everyday purchases.

Where Bilt Cash Can Be Used

Bilt lists the following annual maximums and monthly caps for credits. Availability dates and caps vary by benefit. You can start using Bilt Cash at the partners below, starting February 1, unless noted.
 

Dining and Groceries

• Redeem toward restaurant and grocery delivery fulfilled by GrubHub; $10 credit each month; available 3/1/26

• Redeem Bilt Cash toward Bilt’s ultra-fast Home Delivery orders on groceries, alcohol, and essentials, powered by Gopuff; up to $5 credit each month

• Cover your Gopuff FAM membership for up to twelve months; up to $100 annually; redeemable for monthly or annual membership; available 3/1/26

• Use Bilt Cash toward meals at select Bilt partner restaurants via Mobile Dining Checkout; one visit per month up to $25; rollout expanding to thousands of restaurants nationwide throughout this year

• Redeem Bilt Cash to book exclusive Bilt dining experiences; up to $50 per month; available 3/1/26

Travel and Transportation

• Use Bilt Cash in the Bilt Travel Portal; two-night minimum; up to $50/month for Blue & Silver members and $100/month for Gold & Platinum members

• Use Bilt Cash to upgrade your Rent Day transfer bonus to the next status tier; Platinum members receive an additional boost; example: Gold member can upgrade from 75% to 100% for $75 Bilt Cash; pricing and availability subject to change

• Redeem $10 per month toward Lyft rides

• Redeem for Blacklane rides; up to $50/year (Blue & Silver), up to $100/year (Gold), or up to $150/year (Platinum)

• Redeem for BLADE airport flights; up to $350 per booking; up to 2 bookings per year; Available 3/1/26

• Blue & Silver members can unlock luxury hotel booking benefits usually reserved only for Gold and Platinum members for $95 Bilt Cash; may include benefits such as room upgrades, ~$100 hotel credits, early check-in, late checkout, and more; Available 3/1/26

• Palladium-only; cover up to two guest fees per month; $32 per guest; up to $64 statement credit per month

• Redeem $5 per month at participating Bilt Neighborhood Parking locations; Available 3/1/26

Health and Wellness

• Redeem toward one group fitness class per month in the Bilt app (including SoulCycle, Barry’s, and others); up to $40 per month

• Redeem $10 per month toward a Walgreens credit

Other

• Redeem up to $50 per month for exclusive Bilt comedy experiences; available 3/1/26

• Redeem up to $10 per month toward Bilt Design Collection purchases

Cardholder Exclusive Bonus Points

• Enable +1X bonus points on all everyday spend for the next $5,000 following activation; exclusively available to Obsidian and Palladium cardholders; Cost: $200 Bilt Cash; up to 5 activations annually; expires after $5,000 spend or calendar year-end
• Obsidian earnings when enabled: 4X dining or grocery, 3X travel, 2X everyday spend
• Palladium earnings when enabled: 3X everyday spend

• Unlock points on monthly rent or mortgage payments with no transaction fees; every $30 Bilt Cash redeemed earns 1,000 points, up to 1X of your monthly rent or mortgage payment