How Do You Redeem Bilt Cash
When the new Bilt Credit Cards launched earlier this year, the options for earning and redeeming Bilt Cash were highly anticipated. Almost a year in, Bilt Cash has turned out to be a valuable currency that can make the card a more powerful earner. The other perks you can redeem Bilt Cash for are just the icing on ToP. So, how do you redeem Bilt Cash, and what can it actually be used for? Let’s take a look.
How Do You Earn Bilt Cash
So, how do you redeem Bilt Cash? First, you have to earn it, which you can do a few different ways. Each Bilt Credit Card comes with a set amount upon approval. After that, the most likely way people will rack up most of their Bilt Cash is by spending on their credit card. All three variations of the cards have the option to earn 4% in Bilt Cash for every dollar spent on eligible purchases. That is in addition to whatever Bilt Rewards you would earn for each purchase with your Bilt card. However, that system will be retired for new cardholders in 2027. Existing cardholders can choose to opt out and stick with the current Flexible Bilt Cash system. Otherwise, their Bilt Cash will be distributed in fixed amounts as follows:
- Palladium Card: Receive $600 in Bilt Cash annually (previously $200 Bilt Cash credit and two $200 hotel credits)
- Obsidian Card: Receive $100 in Bilt Cash annually (previously $100 Bilt Travel hotel credit)
- Milestone awards: Keep earning $50 of Bilt Cash for every 25,000 Bilt Points.
What Can You Redeem Bilt Cash For?
How do you redeem Bilt Cash? Let’s take a look at what coupons it has in store for us. Note that Bilt Cash will no longer expire at the end of the calendar year. Instead, it will expire at the end of the month, 12 months after it was earned. For example, $100 of Bilt Cash earned in February 2026 will now expire on February 28, 2027.
Dining and Groceries
$120 / year towards grocery or restaurant delivery (fulfilled via GrubHub)
- Redeem toward restaurant and grocery delivery fulfilled by GrubHub or Seamless; $10 credit each month
$60 / year of credits for Bilt 15-minute home delivery
- Redeem Bilt Cash toward Bilt’s ultra-fast Home Delivery orders on groceries, alcohol and essentials, powered by Gopuff; $5 credit each month
$100 / year toward Gopuff Fam (Free delivery and discounted groceries)
- Cover your Gopuff Fam membership for up to twelve months; up to $100 annually; redeemable for monthly or annual membership; Available 3/1/26
$300 / year of restaurant credit at select Bilt Dining partners
- 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.
$600 / year toward dining experience bookings
- Redeem Bilt Cash to book exclusive Bilt dining experiences; up to $50 per month.
Cardholder Exclusive Bonus Points
Cardholder exclusive bonuses are available when card earning is set to 4% back in Bilt Cash on everyday spend. Note the upcoming changes to Bilt Cash, under which this system will be retired for new cardholders. Here’s how to opt out and stick with the current Flexible Bilt Cash system.
Point accelerator on everyday spend
- Exclusively available to Obsidian and Palladium cardholders.
- Enable +1X bonus points on all everyday spend for the next $5,000 following activation.
- 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 grocery³, 3X travel, 2X everyday spend
- Palladium earnings when enabled: 3X everyday spend
Getting 3x on everyday spend with the Palladium card on up to $25,000 in spend every year is what makes this card such a powerful earner. It does require $1,000 in Bilt cash though. You get $200 to start each year, so that covers your initial $5,000 in spend. That $5,000 in spend would earn the next $200 in Bilt Cash you would need to unlock the earning again. That means you could get 3x on your first $25,000 in spend each year without missing a beat if you continue to roll your earnings. We like this option for big spenders.
Unlock points on housing payments, up to 1X
- 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
Travel and Transportation
Up to $1,200 hotel credit / year
- Use Bilt Cash in the Bilt Travel Portal
- Two-night minimum stay
- Through December 31, 2026, you may redeem up to:
- $50 of Bilt Cash/month for Blue & Silver members; and
- $100 of Bilt Cash/month for Gold & Platinum members.
- Beginning January 1, 2027, Bilt Cash hotel redemptions will be limited to twice per year, with different caps based on elite status and card type:
- $50 of Bilt Cash for Blue & Silver members;
- $100 of Bilt Cash for Gold & Platinum members; and
- $200 of Bilt Cash for Eligible Palladium Cardholders on the refreshed benefits
Unlock higher transfer bonuses
- 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.
- Depending on how big your Bilt Rewards stash is, this is sometimes the best deal of the bunch. Getting 25% more on a transfer bonus you find useful on 100,000 points is 25,000 more points. That is worth $375 if you value those points at 1.5 cents. If you look at it like buying the points with Bilt Cash, it is a cost of $0.003 per point in that scenario at $75 in Bilt Cash.
$120 Lyft rideshare credits / year
- Redeem $10 per month toward Lyft rides
Up to $150 toward a Blacklane ride / year
- Redeem for Blacklane rides; up to $50/year (Blue & Silver), up to $100/year (Gold), or up to $150/year (Platinum)
- Read more here.
Up to $700 of BLADE credit / year
- Redeem for BLADE airport flights; up to $350 per booking; up to 2 bookings per year.
- Read more here.
Unlock Home Away From Home hotel benefits
- 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.
Up to $60 toward parking / year (Coming soon)
- Redeem $5 per month at participating Bilt Neighborhood Parking locations.
Up to $768 of Priority Pass extra guest credits / year
- Palladium-only; cover up to two guest fees per month; $32 per guest; up to $64 statement credit per month
Health and Wellness
$480 fitness class credit / year
- Redeem toward one group fitness class per month in the Bilt app (including SoulCycle, Barry’s and others); up to $40 per month
Up to $300 credit for Equinox
- Redeem credit toward spa and ancillary services up to twice per calendar year at Equinox based on your Bilt status tier:
- Blue Members: $75 in credit 2X per year
- Silver Members: $100 in credit 2X per year
- Gold and Platinum Members: $150 in credit 2X per year
$120 Walgreens credit / year
- Redeem $10 per month toward a Walgreens credit
Other
$600 toward comedy experience bookings per year
- Redeem up to $50 per month for exclusive Bilt comedy experiences.
$120 Bilt Design Collection credit per year
- Redeem up to $10 per month toward Bilt Design Collection purchases
$100 Thumbtack credit / year (NEW)
- Redeem up to $50 of Bilt Cash twice each calendar year, once from January 1 to June 30 and once from July 1 to December 31 for a single Thumbtack booking.
- Thumbtack is a digital marketplace where you can book home service professionals for house cleaning or handyman work. Read more here.
How Do You Redeem Bilt Cash: ToP Thoughts
Figuring out how to redeem Bilt Cash requires wading through a lot of options, especially now that big changes are coming to the currency. New cardholders from 1/1/27 on will receive annual Bilt Cash credits. That’s instead of being able to earn 4% in Bilt Cash for every dollar spent on eligible purchases under the Flexible Bilt Cash system. Bilt Obsidian and Palladium Cardholders who want to use the Points Accelerator will still be able to do so in $200 Bilt Cash increments. But that would leave them with much less Bilt Cash to work with for some of the fun uses above—and fewer opportunities to offset the Palladium’s $495 annual fee. We think most existing cardholders will want to opt out of these changes. What about you? How do you redeem Bilt Cash? Share your thoughts in the Facebook Group.
