You'll often get the most value from your Bilt Rewards points by transferring them to one of the program’s many airline and hotel loyalty partners. Bilt has quickly become a top-tier rewards currency in part by adding unique transfer partners like Alaska Airlines and Japan Airlines — options you won't find with issuers like Chase or American Express.
With the launch of Bilt’s new cards in early 2026, the transfer partner network remains one of the program's strongest features. Here's what to know about your transfer options from Bilt Rewards.
Bilt airline and hotel transfer partners
Bilt members can transfer points to more than 20 airline, hotel and rail loyalty programs. Most transfers are at a rate of 1:1, meaning 1,000 Bilt points become 1,000 points in the loyalty program they’re transferred to, with the exception of transfers to Accor Live Limitless (3:2, where 1,000 Bilt points become 666 Accor points), Amtrak Guest Rewards (2:1) and Preferred Hotels I Prefer (1:2).
Complete list of Bilt transfer partners
- British Airways Club (Avios).
- Preferred Hotels I Prefer.
🤓Nerdy Tip
On Oct. 1, 2026, Bilt Rewards quietly posted a notice on its Hyatt transfers page that the current 1:1 transfer ratio will drop to 4:3, effective Jan. 1, 2027, for all members and cardholders.How the cards compare
Annual fee
- $0
- $95
- $495
Bilt Points on rent/mortgage payments
Up to 1.25x points.
Up to 1.25x points.
Up to 1.25x points.
Bilt Points on other spending
- 1x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 3x points on your choice of dining or grocery (on up to $25K in spending per year in the grocery category). Your choice category may be changed once a year.
- 2x points on travel.
- 1x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 2x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
Welcome offer
$100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Anniversary bonus
None.
None.
Annual $200 Bilt Cash credit.
Additional perks
- Multiple transfer partners.
- Multiple transfer partners.
- $100 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Multiple transfer partners.
- $400 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Access to participating Priority Pass lounges and landings. (Two guests allowed on every visit.)
Authorized user fee
$0.
$50.
$95.
APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR of 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
Foreign transaction fee
- $0
- $0
- $0
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Transfer limits and processing times
Transfer limits depend on your status with the Bilt Rewards program. Blue tier members in the Bilt Rewards program must transfer a minimum of 2,000 points, while Silver, Gold, and Platinum members and above can transfer a minimum of 1,000 points.
According to Bilt, most transfers are immediate, but you should allow up to 48 hours for the transfer to be completed. Southwest Airlines transfers can take up to 72 hours.
» Learn more: The best travel credit cards right now
How to transfer Bilt Rewards
You can transfer Bilt points to partners using either Bilt’s mobile app or the desktop site. The process is the same for both.
First, navigate to the “Rewards” tab and select "Transfer."
Then select the hotel or airline loyalty program you want to link to your Bilt account.
Enter the number of points you intend to convert, and then confirm the transfer.
Make sure your loyalty program account information is accurate before initiating a transfer. Transfers cannot be reversed once processed.
Which Bilt transfer partners are best?
World of Hyatt is the most valuable of Bilt's transfer partners, according to NerdWallet’s valuations. But that doesn’t mean you shouldn’t consider other options. The estimated point values below represent a median when redeeming these points for award stays or economy seats. You can often get better value (especially if you are booking business or first class seats), but this is the minimum value you should shoot for.
Transfer partner | Estimated point value (October 2026) | Transfer ratio |
|---|---|---|
1.1 cents | 1:1 | |
1.0 cent | 1:1 | |
1.4 cents | 1:1 | |
1.3 cents | 1:1 | |
1.2 cents | 1:1 | |
1.0 cent | 1:1 | |
0.4 cent | 1:1 | |
0.6 cent | 1:1 | |
0.7 cent | 1:1 | |
1.4 cents | 1:1 | |
0.8 cent | 1:1 | |
1.2 cents | 1:1 | |
0.8 cent | 1:1 | |
1.8 cents | 1:1* | |
0.7 cent | 1:1 | |
*The transfer ratio to World of Hyatt will decrease to 4:3 for all Bilt Rewards members on January 1, 2027. | ||
World of Hyatt
World of Hyatt consistently ranks as the most valuable hotel loyalty program, making it Bilt's best hotel transfer partner. Hyatt points are worth the most of any hotel point currency. It also has an award chart, which makes it easier to predict how many points you'll need for an award stay, and an easy-to-use Points Calendar to find availability. Budget-friendly category 1 hotels start at 3,000 points per night for standard rooms, while ultra-luxury category 8 properties can go up to 75,000 points per night for standard rooms.
World of Hyatt also has several all-inclusive properties that you can book with points from brands such as Alila, Miraval, Ziva and Zilara.
Alaska Airlines and Hawaiian Airlines
Bilt Rewards is the only major credit card program that allows transfers to Atmos Rewards, the joint loyalty program of Alaska Airlines and Hawaiian Airlines.
And redemptions through the Atmos Rewards program can be extremely valuable — even for people who don't live on the West Coast or Hawaii, where the two airlines tend to dominate. By leveraging Alaska's partners like Iberia or Aer Lingus, you could use Atmos Rewards points to book business class awards between the U.S. and Europe starting at 45,000 points for flight distances between 1,501 and 3,500 miles. Plus, Atmos' favorable stopover policy means you could potentially milk a couple flights out of one redemption if you're doing a multicity trip.
🤓Nerdy Tip
In 2027, Atmos Rewards says eligible Bank of America® cardholders will be able to transfer points to Atmos. However, no eligible cards, transfer ratios or dates have been announced. Should you transfer Bilt Rewards to partners?
Yes, in most cases. Bilt points are worth about 1.25 cents each when redeemed through Bilt’s travel portal, but transferring Bilt points to an airline or hotel partner program has the potential to give you even more value.
Here are various Bilt redemption options based on their redemption value:
Redemption option | Estimated value per 10,000 Bilt points |
|---|---|
Transfer to World of Hyatt | $180. |
Redeem for home down payment | $150. |
Book travel through the Bilt Travel portal | $125. |
Lyft rides | $70. |
Amazon purchases | $70. |
Pay rent with points | $55. |
Redeem for a statement credit | $55. |
Tips for maximizing value when transferring Bilt points
- Accumulate Bilt points in your account rather than transferring immediately. Don't transfer speculatively unless you have a specific redemption in mind. Bilt points don't expire, so you have time to decide which hotel or airline program to transfer them to.
- Monitor Rent Day bonuses on the first of each month. Set a calendar reminder to check the Bilt app.
- Research partner award charts before transferring. Understanding sweet spots helps you maximize value.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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