Bilt Cash Redemption Calculator (Oct 2026)

Bilt Cash Redemption Calculator

Find the best way to redeem your Bilt Cash based on how much you value a Bilt Point. Updated for the Oct 1, 2026 Rent Day Amtrak and Hilton transfer bonuses.

Bilt Cash Redemption Calculator

Find the best way to redeem your Bilt Cash based on how much you value a Bilt Point. Updated for the Oct 1, 2026 Rent Day Amtrak and Hilton transfer bonuses.

Value of your Bilt Point

Default 1.55¢ per Frequent Miler RRV

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Your Bilt Card

Bilt Blue does not have access to Points Accelerator

Points Being Transferred

For evaluating the Sep 01, 2026 Virgin transfer bonus (max 150,000 pts)

pts

Your Bilt Status

Transfer bonuses vary on your Bilt status

Advanced Mode

Should you pay ฿200 to buy up to the 100% transfer bonus?

Unavailable

The Sep 01, 2026 Rent Day buy-up is offered to Bilt Platinum only. At your status you get the 25% bonus for free, so keep that ฿200 for credits, housing, or the Points Accelerator instead.

Value per ฿1 — ranked highest to lowest

Credit RedemptionsBest

$1.00

฿1 = $1.00 (Lyft, GrubHub, etc.) with monthly and yearly redemption limits

Redeem Against Housing

$0.58

฿1 = 33.3 Bilt Points x 1.75 CPP = $0.58

Points Accelerator

$0.00

Not available on this card

Paid Transfer Bonus Buy-UpUnavailable

Only Bilt Platinum can buy up to the 100% bonus on Sep 01, 2026 Rent Day, so there is no Bilt Cash upgrade to buy at your status.

How it works

Credit Redemptions (Lyft, GrubHub, etc.) always give you ฿1 = $1.00 in value, with monthly and yearly redemption limits.
Redeem Against Housing converts ฿1 into 33.3 Bilt Points, up to your monthly housing payment in points. For example, with $1,000/mo rent you can redeem up to 1,000 points/mo (costing ฿30), or ฿120 for Sep–Dec 2026.
Points Accelerator costs ฿200 to unlock +1x points on your next $5,000 in spend, netting you up to 5,000 Bilt Points (effectively ฿1 = 25 Bilt Points in the best case scenario). If you don't spend up to the max, the valuation gets worse.
Virgin transfer bonus is the Sep 01, 2026 Rent Day promotion: transfer Bilt Points to Virgin Red / Virgin Atlantic Flying Club for Blue (25%), Silver (35%), Gold (45%), Platinum (75%), on up to 150,000 points across both programs. Platinum members can pay ฿200 of Bilt Cash to buy up to a 100% bonus, which is the only Bilt Cash spend this promotion asks for. We value that buy-up as the extra bonus points it produces divided by the ฿200 it costs.

Bilt Cash Redemption Calculator

Find the best way to redeem your Bilt Cash based on how much you value a Bilt Point. Updated for the Oct 1, 2026 Rent Day Amtrak and Hilton transfer bonuses.

Bilt Cash Redemption Calculator

Find the best way to redeem your Bilt Cash based on how much you value a Bilt Point. Updated for the Oct 1, 2026 Rent Day Amtrak and Hilton transfer bonuses.

Value of your Bilt Point

Default 1.55¢ per Frequent Miler RRV

cpp

Your Bilt Card

Bilt Blue does not have access to Points Accelerator

Points Being Transferred

For evaluating the Sep 01, 2026 Virgin transfer bonus (max 150,000 pts)

pts

Your Bilt Status

Transfer bonuses vary on your Bilt status

Advanced Mode

Should you pay ฿200 to buy up to the 100% transfer bonus?

Unavailable

The Sep 01, 2026 Rent Day buy-up is offered to Bilt Platinum only. At your status you get the 25% bonus for free, so keep that ฿200 for credits, housing, or the Points Accelerator instead.

Value per ฿1 — ranked highest to lowest

Credit RedemptionsBest

$1.00

฿1 = $1.00 (Lyft, GrubHub, etc.) with monthly and yearly redemption limits

Redeem Against Housing

$0.58

฿1 = 33.3 Bilt Points x 1.75 CPP = $0.58

Points Accelerator

$0.00

Not available on this card

Paid Transfer Bonus Buy-UpUnavailable

Only Bilt Platinum can buy up to the 100% bonus on Sep 01, 2026 Rent Day, so there is no Bilt Cash upgrade to buy at your status.

How it works

Credit Redemptions (Lyft, GrubHub, etc.) always give you ฿1 = $1.00 in value, with monthly and yearly redemption limits.
Redeem Against Housing converts ฿1 into 33.3 Bilt Points, up to your monthly housing payment in points. For example, with $1,000/mo rent you can redeem up to 1,000 points/mo (costing ฿30), or ฿120 for Sep–Dec 2026.
Points Accelerator costs ฿200 to unlock +1x points on your next $5,000 in spend, netting you up to 5,000 Bilt Points (effectively ฿1 = 25 Bilt Points in the best case scenario). If you don't spend up to the max, the valuation gets worse.
Virgin transfer bonus is the Sep 01, 2026 Rent Day promotion: transfer Bilt Points to Virgin Red / Virgin Atlantic Flying Club for Blue (25%), Silver (35%), Gold (45%), Platinum (75%), on up to 150,000 points across both programs. Platinum members can pay ฿200 of Bilt Cash to buy up to a 100% bonus, which is the only Bilt Cash spend this promotion asks for. We value that buy-up as the extra bonus points it produces divided by the ฿200 it costs.