As of today, 09/23/2026, Bilt has added Amtrak Guest Rewards as a transfer partner, allowing you to turn Bilt Points into train travel.

Transfers are available at a 2:1 ratio, meaning 1,000 Bilt Points becomes 500 Amtrak points.

TL;DR

• Amtrak is Bilt’s first rail transfer partner & this is Amtrak’s first transferable points partner in over 10 years (afaik)

• Amtrak points are worth roughly 2.6 cents per point, so transferring from Bilt nets you about 1.3 cents per Bilt Point

• Consider it for a planned trip or small Amtrak points balance top-up, but compare the value with your other uses for Bilt Points before transferring

Bilt’s new Amtrak transfer partnership

Amtrak becomes Bilt’s 26th travel partner and its first rail partner. The addition is especially relevant for travelers taking trains between Boston, New York, Philadelphia and Washington, D.C.

Transfers are available through the Bilt app or Bilt.com. Link your Amtrak Guest Rewards account to your Bilt account and then transfer Bilt Points to Amtrak at a 2:1 ratio.

For example, 10k Bilt Points becomes 5k Amtrak points.

How much value do Bilt to Amtrak transfers offer?

NerdWallet’s Amtrak Guest Rewards guide puts the general value of Amtrak points at roughly 2.6 cents each when redeemed for train travel. WalletHub’s valuation is similar, valuing Amtrak points at 2.67 cents per point.

Those values apply to Amtrak points. Because Bilt transfers at 2:1, you divide the Amtrak point value by two to estimate the value you receive per Bilt Point:

2.6 cents per Amtrak point ÷ 2 = 1.3 cents per Bilt Point.

That makes the Amtrak redemption route roughly 1.3 cents per Bilt Point. The exact return depends on the cash and award prices of the ticket you book; these editorial valuations are estimates, not guaranteed redemption rates.

However, it’s worth noting that Amtrak point redemptions generally follow the cash cost of the train ride. That is to say, it’s hard to find outsized value; point costs scale linearly with cash rates.

A New York–Philadelphia example

This random fare illustrates how that benchmark plays out.

For the Northeast Regional on 10/14/2026, we saw the following prices:

For coach, $10 cash fare divided by 375 points produces about 2.67 cents per Amtrak point. After accounting for the 2:1 transfer ratio, that becomes approximately 1.33 cents per Bilt Point. Business class delivers the same rate in this example.

This is just one fare comparison (my statistics teacher would scold me for using just one datapoint), but it is consistent with the published valuations above. It also illustrates why a higher cash fare does not automatically mean a better points redemption: the $70 business-class ticket offers the same cents-per-point value as the $10 coach ticket.

Is transferring Bilt Points to Amtrak worth it?

Our take: a useful option, but modest value at the standard transfer ratio.

If you truly don’t have uses for your Bilt Points, frequent Amtrak travelers will enjoy being able to use their Bilt Points to cover this cost. For example, a small transfer can also be worthwhile when you have most of the Amtrak points needed and just need a top-up.

For someone who regularly gets more value from other Bilt redemptions, however, transferring a large balance to Amtrak may be hard to justify. At the roughly 1.3-cent benchmark, you would be giving up the opportunity to use those Bilt Points elsewhere for a potentially higher return (eg on Hyatt hotel redemptions).

As someone who uses Bilt Points for business class flights and Hyatt stays, I’ll be skipping this transfer bonus for now.

Frequently asked questions

What is the Bilt to Amtrak transfer ratio?

Bilt Points transfer to Amtrak Guest Rewards at 2:1. For example, 10,000 Bilt Points becomes 5,000 Amtrak points. Transfers are irreversible.

What is the minimum Bilt transfer to Amtrak?

The minimum is 1,000 Bilt Points, which becomes 500 Amtrak points (2,000 minimum for Bilt Members with Blue Status).

Transfers must also be made in increments of 1,000 Bilt Points, so you may need to round up and leave a small balance in Amtrak after booking.

How do you calculate the value of a Bilt to Amtrak transfer?

Subtract any cash payment required on the award from the comparable cash fare, divide by twice the number of Amtrak points required, and multiply by 100. That gives the cents-per-Bilt-Point value of the points used for the ticket, before any transfer rounding.

Do Amtrak points expire?

Points will expire if your account has been inactive for more than 24 months (no points have been earned or redeemed during that time).

However, keeping them alive should be relatively easy. Amtrak lists 10 ways to maintain them and you can even fill out a short survey.