Bilt Rewards offers a unique proposition, allowing members to earn points on rent payments without transaction fees, along with other spending categories via the Bilt Mastercard®. Unlike many major bank programs, Bilt Rewards points do have an expiration policy based on account activity.
Bilt Rewards Points Expiration Policy
Yes, Bilt Rewards points expire after 18 months of account inactivity.
- Inactivity Definition: According to Bilt's terms, inactivity generally means you have not earned or redeemed any Bilt points within an 18-month period.
- Keeping Points Active: To prevent your points from expiring, you simply need to earn or redeem at least one point within any 18-month rolling window.
How to Keep Your Bilt Points Active
Keeping your Bilt points from expiring is relatively easy:
- Earn Points:
- Make purchases with the Bilt Mastercard®.
- Pay rent through the Bilt Rewards app (even if not using the Bilt Mastercard®).
- Link loyalty programs and earn points through Bilt Travel Portal bookings or promotions.
- Participate in Rent Day offers or other Bilt promotions.
- Redeem Points:
- Transfer points to airline or hotel partners (like Hyatt, American Airlines, United, etc.).
- Book travel through the Bilt Travel Portal.
- Use points towards rent (generally lower value).
- Redeem for fitness classes or items in the Bilt Collection.
Any single earning or redemption activity resets the 18-month expiration clock for your entire points balance.
Transferring Bilt Points to Travel Partners
Bilt points can be transferred to a wide range of airline and hotel partners, most at a 1:1 ratio, with transfers typically processing within minutes. This flexibility allows members to maximize the value of their rewards by redeeming them for premium flights and luxury hotel stays.
Transfer Partners and Times
| Program | Transfer Ratio | Transfer Time |
|---|---|---|
| ALL — Accor Live Limitless | 3:2 | ** |
| Aer Lingus AerClub | 1:1 | Within minutes |
| Air Canada Aeroplan | 1:1 | Within 24 hours |
| Air France-KLM Flying Blue | 1:1 | Within minutes |
| Alaska Airlines Mileage Plan | 1:1 | Within minutes |
| Avianca LifeMiles | 1:1 | Up to 72 hours |
| British Airways Executive Club | 1:1 | Within minutes |
| Cathay Pacific Asia Miles | 1:1 | Within minutes |
| Emirates Skywards* | 1:1 | Within minutes |
| Hilton Honors | 1:1 | Within minutes |
| Iberia Plus | 1:1 | Within minutes |
| IHG One Rewards | 1:1 | Within minutes |
| Japan Airlines Mileage Bank | 1:1 | ** |
| Marriott Bonvoy | 1:1 (+5,000 bonus for every 20,000 transferred) | Within 48 hours |
| Southwest Airlines Rapid Rewards | 1:1 | ** |
| TAP Miles&Go | 1:1 | ** |
| Turkish Airlines Miles&Smiles | 1:1 | Within minutes |
| United MileagePlus | 1:1 | Within minutes |
| Virgin Atlantic Flying Club | 1:1 | Within minutes |
| World of Hyatt | 1:1 | Within minutes |
*Transfers to Emirates Skywards are paused from May 17 to June 19, 2025.
**Transfer times not yet tested.
Best-Value Transfer Partners
Some of the strongest partners for Bilt members are Air Canada Aeroplan, Alaska Airlines Mileage Plan, Air France-KLM Flying Blue, Virgin Atlantic Flying Club, and World of Hyatt. These programs often provide outsized value because they still publish relatively stable award charts, making it easier to find predictable, high-value redemptions.
Transfer Bonuses
Bilt frequently offers generous transfer bonuses, especially during Rent Day promotions on the first of each month. Notable past examples include:
- 150% bonus to Emirates Skywards
- 100% bonus to Alaska Airlines Mileage Plan (July 2024)
- 100% bonus to Air France-KLM Flying Blue
These promotions can dramatically increase the value of your points, making Rent Day one of the best times to transfer if you have an award in mind.
Other Reasons You Could Lose Bilt Points
Misusing your account
Bilt can terminate your account if you abuse the rewards program. That means any remaining points are gone instantly. Examples of misuse include:
- Buying or selling points
- Transferring points to ineligible third parties
- Opening multiple accounts just to rack up rewards
- Participating in fraudulent activity
Closing your Bilt Rewards account
Closing your Bilt Mastercard® doesn’t cost you your points, but closing your actual Bilt Rewards account does. Keep your membership open and active if you want to hold onto your balance.
Filing for bankruptcy
If you file for bankruptcy, your Bilt account will be closed and any points you have will be forfeited.
Official Policy
For the most precise details, always refer to the official Bilt Rewards terms:
- Bilt Rewards Terms and Conditions (Review the section on points expiration).
Summary
At the end of the day, the easiest way to protect your Bilt Rewards is to stay active. Pay your rent, swipe your Bilt Mastercard, redeem points, or join a monthly promotion. Do that, and you’ll never have to worry about losing your balance.
And when you’re ready to redeem, consider the value of each option. Transferring to travel partners or putting points toward a home down payment usually gives you the most bang for your buck, while redemptions like Amazon shopping or gift items tend to be less valuable.
Disclaimer: Program terms are subject to change. Always consult the official Bilt Rewards documentation for the latest rules. This guide is for informational purposes only.