[2026.6 Update] I Choose has been added as a brand new switch companion at a 1:2 ratio.
What Are Bilt Factors?
Bilt Factors are Bilt’s transferable rewards forex. They are often transferred to packages resembling Hyatt, Alaska Airways (AS), JAL (JL), and United Airways (UA), making them extraordinarily helpful factors to have. By way of transfer-partner high quality, Bilt Factors arguably rival—and even surpass—the transferable-points currencies supplied by main banks, resembling Chase Final Rewards, Amex Membership Rewards, Citi ThankYou Factors, and Capital One Miles.
Observe that Bilt’s rewards system turned pretty sophisticated after the Bilt 2.0 overhaul. Bilt Factors, that are extremely useful and versatile, and Bilt Money, which is far more durable to make use of successfully, are two completely different currencies.
The way to Earn Bilt Factors
Bilt at present affords three bank cards that earn Bilt Factors:
| Card Title | Bilt Blue | Bilt Obsidian | Bilt Palladium |
|---|---|---|---|
| Annual Payment | $0 | $95 | $495 |
| Bilt Factors Incomes | 1x on hire, mortgage, and on a regular basis spend | 3x on eating or grocery (alternative of 1; grocery as much as $25K/12 months); 2x on journey; 1x on hire, mortgage, and on a regular basis spend | 2x on on a regular basis spend; 1x on hire and mortgage |
| Bilt Money Incomes | 4% on on a regular basis spend | 4% on on a regular basis spend | 4% on on a regular basis spend |
| Credit | N/A | $100 Bilt Journey resort credit score ($50 each six months) | $400 Bilt Journey resort credit score ($200 each six months); $200 Bilt Money yearly |
| Different | N/A | N/A | PPS |
One vital level: you’ll be able to nonetheless earn Bilt Factors and switch them to Bilt’s wonderful companions even when you don’t maintain a Bilt bank card. Some methods to earn Bilt Factors and not using a Bilt bank card embody:
- Linking one other bank card within the Bilt Rewards app and utilizing it to pay hire
- Collaborating in Bilt Hire Day promotions
- Linking your Bilt account to Walgreens and making purchases at Walgreens
- Linking your Bilt account to Lyft and utilizing Lyft
- Spending at Bilt Eating eating places and different Bilt companion retailers
In fact, a Bilt bank card stays the easiest way to build up Bilt Factors rapidly.
Switch Companions
Bilt Factors switch at a 1:1 ratio to the next airline packages:
- Aer Lingus (EI) Avios
- Alaska Airways (AS) Atmos Rewards
- Air Canada’s (AC) Aeroplan
- Air France (AF)/KLM FlyingBlue
- Avianca (AV) LifeMiles
- British Airways (BA) Avios
- Cathay Pacific (CX) Asia Miles
- Emirates (EK) Skywards
- Etihad (EY)
- Iberia (IB) Avios
- Japan Airways (JL) JAL Mileage Financial institution
- Qatar Airways (QR) Privilege Membership
- Southwest Airways (WN) Fast Rewards
- Spirit (NK) Free Spirit
- TAP (TP) Miles&Go
- Turkish (TK) Miles & Smiles
- United Airways (UA) MileagePlus
- Virgin Atlantic (VS) Flying Membership
- Virgin Pink
Bilt Factors will also be transferred to the next resort packages:
- Accor Stay Limitless (3:2 ratio)
- Hilton Honors
- IHG One Rewards
- [New] I Choose (1:2 ratio)
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards
The most important power of Bilt Factors is their unusually useful set of switch companions: Hyatt, JAL (JL), Alaska Airways (AS), and United Airways (UA). Hyatt is an particularly uncommon switch companion. Till Bilt got here alongside, Chase Final Rewards was the one main transferable-points forex that would switch to Hyatt. Transferring factors to Hyatt can also be one of the useful methods to make use of Chase Final Rewards factors. JAL and Alaska Airways miles are each troublesome to earn and may be extraordinarily useful. It’s spectacular that Bilt was capable of safe each as switch companions. United miles are additionally among the many most helpful airline currencies for U.S.-based vacationers. Due to these companions, we worth Bilt Factors not less than 1.6 cents per level.
Bilt Hire Day Switch Bonuses
Bilt runs Bilt Hire Day promotions on the primary day of each month. One of the crucial vital options of Hire Day is its switch bonuses.
A 20%–30% switch bonus is mostly thought-about fairly good. Bilt Hire Day bonuses, nevertheless, can typically attain 100% or extra. When there’s a helpful switch alternative, these bonuses can considerably improve the worth of Bilt Factors.
Fastened-Worth Journey Redemptions
Bilt additionally has a journey portal powered by Expedia. Factors redeemed by the portal are price a set 1.25 cents per level.
That is normally not the very best use of Bilt Factors, since transferring them to Hyatt or airline companions resembling United will typically present higher worth. Nonetheless, the portal supplies a versatile fallback choice when award availability is proscribed or once you merely desire a cash-like journey redemption.
Fastened-Worth Money Redemptions
Bilt Factors will also be redeemed for assertion credit at a set charge of 0.55 cents per level. This redemption charge is much too low to be engaging and is mostly not advisable.
Backside Line
Though Bilt’s Bilt 2.0 bank cards haven’t been significantly nicely acquired, Bilt Factors themselves stay a wonderful rewards forex.
Their standout characteristic is Bilt’s uncommon assortment of switch companions: Hyatt, JAL (JL), Alaska Airways (AS), and United Airways (UA). Hyatt is an particularly useful and unusual companion, whereas JAL and Alaska miles are troublesome to earn and might supply wonderful redemption worth. United miles are additionally extensively helpful for U.S.-based vacationers. These companions alone make Bilt Factors price not less than 1.6 cents per level in our view.
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