How to use Bilt Mobile Checkout for monthly Bilt Cash $25

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Bilt has over 20,000 Neighborhood dining restaurants but only a small subset of partner restaurants use Mobile Dining Checkout where you can use your Bilt Cash to pay up to $25 on your bill per month.

*NOTE: There’s a lot of anecdotal news that restaurants that are listed as eligible can’t even accept Mobile Checkout or are unfamiliar with it. We urge caution when using this feature.

Where can I find restaurants to use my monthly $25 of Bilt Cash?

Finding the eligible restaurants within Bilt’s app/site is confusing & difficult. It’s proximity gated, meaning it will only show you restaurants within a certain radius of you. Only restaurants that use Mobile Checkout are eligible for the monthly Bilt Cash dining redemption (you need to apply the Mobile Checkout filter).

Alternatively, you can see a full map of the eligible restaurants here.

How do you use Bilt Mobile Checkout?

Bilt denotes the instructions as follows:

Look for the Mobile Checkout card at your table
Scan the QR code or tap the card with your phone
The checkout process will open in your Bilt app (you may have to log-in!)
View your check in real-time and choose your payment method
Pay and leave when you're ready

From my experience, the Mobile Checkout card may need to be brought out to you. For example, at one restaurant prior to the launch of the new Bilt cards, I randomly discovered it used Bilt Mobile Checkout. The waiter gave me a little Bilt QR code that I could scan.

Once I scanned it, it brought me straight to the Bilt app. However, since I wasn’t familiar with the program and planned to pay with InKind, I did not proceed with it.

How do I plan on using my Bilt Cash for this redemption?

I live in the Greater Boston area (west of Boston) and was hoping to find some restaurants eligible for Bilt Cash outside of the city. No dice. There are 4 restaurants in Boston though.

I’ve actually been to one of the restaurants in Boston—Taco Azul.

It has pretty decent food but it’s also expensive—like $12 for a taco (yikes). And my girlfriend has been there before with her friends and she liked it. She said the vibes were good, food was generally very good, margaritas were solid and the guacamole specifically wasn’t great.

A Warning About Using Bilt Mobile Checkout

The number of restaurants is constantly changing and it’s been discovered that even some restaurants on the list aren’t familiar with the program. We’ve seen a slim few number of successes, but most people are generally unable to use this benefit when checking out.

There have been even occasions when an eligible restaurant is listed, but then the list changes and that restaurant is removed.

We urge you to be cautious when redeeming this credit—plan for the worst case scenario, which is that the restaurant is removed. I’ve found it best to call the restaurant directly to inquire further.

Are all Neighborhood Dining Restaurants eligible for the monthly $25 Bilt Cash?

Unfortunately, most Neighborhood dining restaurants are not eligible for the monthly $25 Bilt Cash redemption.

The number of eligible restaurants also appears to constantly change.

Feb 07, 2026: 126 eligible restaurants
Feb 10, 2026: 132
Feb 14, 2026: 90

What are some other potential redemptions with the monthly Bilt Cash?

Here’s an extensive list of all of the other potential redemptions with Bilt Cash:

Dining and Groceries

$120 / year towards grocery or restaurant delivery (fulfilled via GrubHub)
$60 / year of credits for Bilt 15-minute home delivery
$100 / year toward Gopuff FAM (Free delivery and discounted groceries)
$300 / year of restaurant credit at select Bilt Dining partners
$600 / year toward dining experience bookings

Travel and Transportation

Up to $1,200 hotel credit / year
Unlock higher transfer bonuses
$120 Lyft rideshare credits / year
Up to $150 toward a Blacklane ride / year
Up to $700 of BLADE credit / year
Unlock Home Away From Home hotel benefits
Up to $840 of Priority Pass extra guest credits / year
$60 toward parking / year

Health and Wellness

$480 fitness class credit / year
$120 Walgreens credit / year

Other

$600 toward comedy experience bookings per year
$120 Bilt Design Collection credit per year

Some of my favorite uses on this list include the hotel credit, grocery or dining delivery with Grubhub and the up to $25 of Bilt cash every month at select Bilt Dining restaurants. The fitness class credit is also pretty intriguing as I could gift this to my girlfriend who likes SoulCycle classes.

I like to go on little vacations to go skiing or find a warm escape so I think I could make good use of the hotel credit. Especially when I stack the hotel credit on top of the Bilt Palladium Card’s $400 hotel credit (up to $200 for a minimum two night stay semiannually). And I enjoy eating out a lot so I could see myself dining at select Bilt Dining restaurants as long as Bilt comes through with their promise of adding more restaurants eligible for Bilt Cash redemption.

If I can’t find a credit for my Bilt Cash, I’ll either gift one of the credits to a friend or redeem the Bilt Cash against my rent.

What can I do with all of the other restaurants on Bilt Dining?

Even if you can’t take advantage of the Bilt Cash opportunities with select Bilt Dining restaurants, there’s still value to be had with the 20,000 other restaurants.

You can earn anywhere between 1x to 3x Bilt points when you dine at one of the many Bilt Dining restaurants. And you can do this with or without a Bilt card!

If you don’t have an account with Bilt, you’ll need to create a Bilt Rewards account. Then, you’ll link whatever credit cards you would like to add to your Bilt Rewards account. You’ll essentially be earning Bilt points ON TOP of the rewards you earn on your credit cards. Pretty cool, right?

Final Thoughts

The plethora of Bilt Cash uses can be kinda overwhelming and complicated. If I were you, I would do some research on what uses you would enjoy best in your own life. For most folks the $25 of Bilt Cash per month on dining could be well worth it since most people I know enjoy eating out. The one issue is the lack of restaurants on the Bilt Dining map that accept Bilt Cash. Fingers crossed that Bilt will come out with more restaurants that are eligible for the Bilt Cash redemption.

FAQs

How can I check if restaurants are eligible for Bilt Cash Dining Redemptions?

You can check our map that features only Bilt restaurants that accept mobile dining checkout.

Are all of the restaurants on Bilt Dining eligible for the Bilt Cash redemption option?

No. There are over 20,000 restaurants in the Bilt Neighborhood Dining Program but only ~100 use Mobile Dining & have Bilt Cash redemption as an option.

Can I use Bilt Cash for my rent or mortgage?

If you use it for rent/mortgage redemption you only get a ratio of $1 Bilt Cash to 0.33 Bilt points. However, if you use your Bilt Cash on credits, you get a 1 to 1 ratio. For example, If you have $10 in Bilt Cash and you use it for Lyft, you get $10 USD.

What happens if I go to one of the restaurants on Bilt Dining that is not eligible for the Bilt Cash redemption?

You will still earn Bilt points on top of credit card rewards if you dine at restaurants that do not offer the Bilt Cash redemption.

Will there be more restaurants added for Bilt Cash redemption?

Most likely, yes. Bilt has advertised that there will be more restaurants eligible for BIlt Cash redemption as time goes on.