TRAVEL · VERIFIED DEVELOPMENT
Bilt Revamps Rewards in 2027: Simplified Earnings, New Expiration, and Hotel Credit Limits
WHY IT MATTERS
The overhaul forces new members to forgo 4% cash rewards and tightens hotel redemption limits, reshaping how users plan spending and travel bookings under Bilt’s program.
What happened
Bilt is overhauling its rewards program effective 2027 to make earning and redemption simpler. All Bilt Cash will now expire on a rolling 12‑month basis, applied retroactively to existing balances. New cardholders will only receive housing‑only rewards; the 4% Bilt Cash option will be removed for anyone who opens a card after Dec.
31 2026. Existing cardholders who earned a card by that date can keep the Bilt Cash choice, but must opt out before their anniversary to lock it in. Annual credits will shift from hotel credits to flat Bilt Cash amounts—$600 for Palladium and $100 for Obsidian—deposited on the card anniversary.
Hotel redemption limits will drop to twice per year, with caps of $50 for Blue/Silver, $100 for Gold/Platinum, and $200 for Palladium holders. The point‑accelerator program remains unchanged, allowing users to earn extra points with Bilt Cash.
PRIMARY SOURCES
Bilt switching up rewards structure, making other changes in 2027 — here's what you need to know
The Points Guy · Summer Hull and Nick Ewen · Discovery and factual synthesis only; publisher copyright terms apply