Bilt Cash: What Is It, and How Does It Work?

Bilt Cash is one of the two rewards currencies you can earn with one of the three Bilt credit cards. Bilt Cash cannot be redeemed for cash back or transferred directly to Bilt’s travel partners. However, you can use it for eligible purchases through the Bilt app or on bilt.com.

• The Bilt Blue Card ($0 annual fee).

• The Bilt Obsidian Card ($95 annual fee).

• The Bilt Palladium Card ($495 annual fee).

Introduced in January 2026, Bilt Cash was part of the revamp of the card lineup. Each $1 in Bilt Cash is typically equivalent to $1 when used within the Bilt ecosystem. One interesting way to utilize Bilt Cash is to essentially purchase the ability to earn Bilt Points when using your card for rent or mortgage payments.

If you are considering one of the Bilt credit cards, here is what you need to know about Bilt Cash.

There are two options for earning Bilt Cash. You will choose one when activating your Bilt card, but you can change it at any time.

• Option 1: You earn Bilt Cash as part of your welcome bonus, plus $50 of Bilt Cash for every 25,000 Bilt Points you earn. You will not earn Bilt Cash through your spending. Instead, the more non-housing-related spending you put on the card, the higher your “points multiplier” is for earning Bilt Points on housing costs.

• Option 2: You earn Bilt Cash as part of your welcome bonus, plus 4% back in the form of Bilt Cash for non-rent or mortgage payments. You will also earn $50 of Bilt Cash for every 25,000 Bilt Points you earn.

You can use Bilt Cash to “unlock” Bilt Points on rent or mortgage payments if you select Option 2. In this case, you are essentially using Bilt Cash to cover a transaction fee. For every $30 in Bilt Cash spent for this purpose, you will earn 1,000 Bilt Points.

There are several other ways to utilize Bilt Cash.

You can redeem Bilt Cash dollar for dollar towards specific credits. Some credit amounts may vary based on your Bilt status tier, which is determined by the number of points you earn in a calendar year. Keep track of your Bilt Cash balance, credits, and other redemption options in the Bilt app or on bilt.com.

• GrubHub: $10 per month for grocery or restaurant delivery.

• Gopuff: $5 per month for delivery orders, plus $100 per year toward a Gopuff Fam membership.

• Bilt Dining: $25 per month towards one monthly visit to a Bilt Dining partner, and $50 per month to book Bilt dining experiences.

• Hotel stays: $50 per month for Blue and Silver members, and $100 per month for Gold and Platinum members, towards hotel stays booked through the Bilt travel portal. A two-night-stay minimum applies.

• Lyft: $10 per month for rides.

• Blacklane: Annual ride credit of $50 for Blue and Silver, $100 for Gold and $150 for Platinum.

• BLADE: Up to $350 per seat on up to two seats per year for helicopter flights to the airport.

• Hotel benefits: It will cost $95 in Bilt Cash for Blue and Silver members to unlock benefits available to Gold and Platinum members, including room upgrades, $100 hotel credits, late checkout, and more.

• Priority Pass lounges: Holders of the Bilt Palladium Card can bring up to two additional guests into Priority Pass airport lounges per month for $32 per guest.

• Bilt Neighborhood Parking: $5 per month at participating locations.

• Fitness classes: $40 per month towards classes at participating fitness studios.

• Walgreens: $10 per month.

• Comedy shows: $50 per month towards Bilt comedy experiences.

• Bilt Design Collection: $10 per month.

Please note that unused credits do not roll over into the following month or year.

If you choose 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 feature is available only for the Bilt Obsidian Card and Bilt Palladium Card. Once activated, you will earn extra points on up to $5,000 in spending.