BofA Atmos Card Relationship Bonus: June 2026
NCnextcard team
Bilt Dining Guide & Cash Redemptions June 2026
NC
nextcard team
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Since the February 2026 Bilt Card overhaul and the launch of Bilt Cash redemptions, understanding how Bilt's Neighborhood Benefits™ Dining program works has become more important than ever.
TLDR:
This program adds a second layer of rewards when eating out.
After you link an eligible Visa, Mastercard, or American Express card to your Bilt Wallet and pay with said card at one of Bilt Neighborhood's ~20,000+ US partner restaurants, you get bonus points. To be super clear, these points are additive on top of whatever points you earn from your card, which is certainly a nice cherry on top. Select partner restaurants may also offer complimentary gifts from the kitchen like free drinks or appetizers.
At a smaller subset of restaurants with Mobile Dining Checkout, you can also apply up to $25 in Bilt Cash to your bill once per month. This is particularly important because (in our opinion) the monthly restaurant Bilt Cash redemption is one of the better value options out there.
As long as your eligible card is linked to your Bilt Rewards account and you pay with it at checkout, you can earn anywhere from 1x, 2x, or 3x Bilt points on top of whatever points you earn from your card.
For instance, if you pay your restaurant bill with an American Express® Gold Card card at a qualifying Neighborhood restaurant, you'll get:
This makes for a cumulative 7x points/$1 dining, which is pretty awesome.
If you happen to pay with a Bilt card, your card's own dining rate stacks too — e.g., Obsidian's 3x dining choice or Palladium's 2x everyday — on top of the 1x–3x Neighborhood Dining bonus. (The dining bonus itself is the same regardless of which Bilt card you hold.)
No, you do not need a Bilt credit card.
All you need is a Bilt Rewards account. Bilt Rewards as a program is different from the Bilt credit cards themselves. With Bilt Rewards, you can earn points on many things, such as:
nextcard can help you track all of these earning opportunities. The free tier supports unlimited manual credit tracking; nextcard Pro adds automated Plaid tracking that syncs your transactions automatically, so nothing slips through the cracks.
You need to link an eligible card to your Bilt Rewards account. You do not need to have a Bilt Card. Here's how you can do it:
Once your card is added, you should be eligible to earn additional Bilt Points when you use the card to pay at eligible Neighborhood restaurants.
No. If you link Card A in your Bilt Wallet, you will receive points from your eligible neighborhood restaurant dining spend only when you pay with Card A.
You must link Card B separately in your wallet.
Think of it this way: linking Card A to Bilt lets Bilt know when you dine at an eligible restaurant. However, if you don't link Card B, then how will Bilt ever be able to know your restaurant spending?
Only restaurants that accept Bilt Mobile Dining Checkout are eligible for the monthly Bilt Cash redemptions. This is a much smaller pool than the full Neighborhood Dining network. Roughly 100+ locations across the US as of mid 2026, compared to the ~20,000+ restaurants that earn you bonus points.
| Feature | Neighborhood Dining | Mobile Dining Checkout |
|---|---|---|
| Eligible restaurants | ~20,000+ US restaurants | ~100+ select locations |
| Reward | 1x, 2x, or 3x bonus Bilt points | Same 1x–3x bonus Bilt Points, plus apply up to $25 Bilt Cash/month |
| How to use | Link a card to your Bilt Wallet, then pay with it | Link a card + scan/tap a Bilt QR code to check out, then apply your Bilt Cash credit |
| Monthly limit | None | Up to one redemption/month, up to $25 Bilt Cash |
As of the date of this article, there's only a small subset of restaurants available for Bilt Cash redemptions. Be careful: some restaurants on the Bilt site are showing up incorrectly as eligible for Mobile Dining Checkout. Use a map tool to help quickly see all your options and you may even want to call the restaurant to verify.
Even if you don't have a Bilt card, signing up for Bilt Rewards for the Neighborhood Dining benefits seems to make a lot of sense. The way I see it is free additional points on spend you're already making.
For me, I would never sway my decision to eat at a certain restaurant just because it's part of the Neighborhood Dining program. However, I can't complain about getting additional points on top of the dining points I earn from my card.
If I go to a Bilt Neighborhood restaurant now and pay with my Chase Sapphire Preferred® Card, I would earn up to 6x total points on my dining. That's pretty good.
You could either wade through the app/site manually and see if you can find the eligible restaurants, or you can use a tool that aggregates all ~20,000+ restaurants onto a map/list.
The Bilt Dining Map has the following features:
I've used this tool to see if restaurants in San Francisco are coincidentally part of the Bilt Neighborhood Dining program as well. For example, I saw Pabu Izakaya (inKind) and Angler (Chase $300 dining credit) were a part of Bilt's program as well, interesting stacking opportunities.
Do I need a Bilt credit card to access Neighborhood Benefits™ at Local Restaurants?
No—this is a common misconception. No Bilt credit card is required.
You simply need a Bilt Rewards account & you need to link the card you're using to pay the bill with your Bilt Wallet:
Do the Bilt points from the dining program replace the ones I earn from my credit card?
No, these Bilt Points are completely separate from your credit card points. If you use a Chase Sapphire Preferred® Card to pay the bill at an eligible Neighborhood restaurant, you earn:
This can make for some pretty significant returns on your dining spend!
How can I see if a restaurant is part of the Bilt program?
There are over 20,000 eligible partner restaurants. You can discover them within the Dining section of the Neighborhood tab within the Bilt app.
Or you can search the restaurant name quickly on the nextcard Bilt Dining map to determine eligibility! We find our search to be much faster.
Can I earn Bilt Points from the Neighborhood Dining program retroactively?
The critical part is whether or not you linked your eligible card to your Bilt Wallet. If you did not link your card beforehand, then you cannot get Bilt Points.
If you had linked your card beforehand and you're missing your Bilt Points, then you should contact Bilt Support.
Can I redeem Bilt Cash as a redemption at these ~20,000+ neighborhood restaurants?
No. The up to $300 / year of restaurant credit is only eligible for spots on this list where you can use Mobile Checkout.
That is to say, while there are 20,000+ Neighborhood Dining restaurants, only a small subset of them accept Mobile Checkout
Are the Bilt Cash dining experience bookings available for booking?
Yes. These exclusive Bilt dining experiences (up to $50 Bilt Cash per month) launched March 1, 2026, and are now available to book.
I see more restaurants on Bilt's mobile dining checkout than on this map—is this map wrong?
It's a bold claim, but this map is quite accurate.
When you currently apply more than one filter to Bilt's dining search, it tends to break/not function properly. We've actually called ~15 restaurants to verify if false negatives were valid—all 15 restaurants don't qualify for Bilt Mobile Checkout.
Our approach goes through just the specific restaurants that appear when Mobile Checkout is applied.
We urge caution if you are using the Bilt restaurant map with multiple filters.
