Key Points

• Bilt becomes the first loyalty program to offer point transfers to Spirit Airlines at a 1:1 ratio.
• Spirit reward flights start at just 2,500 points with no blackout dates for award travel.
• One month's rent payment can now fund trips throughout the U.S., Caribbean, and Latin America.

Introduction

Bilt Rewards just made a move that no other loyalty program has pulled off: direct point transfers to Spirit Airlines. As of January 2025, Bilt members can transfer points 1:1 to Spirit, making this ultra-low-cost carrier's network suddenly accessible through your monthly rent payments. With reward flights starting at just 2,500 points and zero blackout dates, this partnership opens up affordable travel options that didn't exist before.

Quick Answer

Yes, you can now transfer Bilt Points to Spirit Airlines at a 1:1 ratio. This makes Bilt the first and only loyalty program offering direct transfers to Spirit, with reward tickets starting at 2,500 points and no blackout dates for award bookings.

Why This Transfer Partnership Matters

Spirit Airlines operates one of the largest ultra-low-cost networks in the Americas, serving over 80 destinations across the U.S., Caribbean, and Latin America. Until now, the only way to book Spirit reward flights was through Spirit's own Free Spirit program—meaning you had to fly Spirit to earn Spirit miles.

The Bilt partnership changes that equation entirely. Now your rent payments can fund Spirit flights without ever stepping foot on a Spirit plane first. Learn more about how the Bilt Mastercard works to maximize this opportunity.

The Real Value Here

Spirit's ultra-low base fares already make it attractive for budget-conscious travelers. Combine that with Bilt's rent payment earning (up to 100,000 points per year on rent alone), and you've got a powerful combination for maximizing travel on a budget.

Here's the math: If you pay $2,000 monthly rent, you're earning 2,000 Bilt Points per month. That's 24,000 points annually from rent alone—enough for 9-10 one-way Spirit flights at the lowest redemption level. For comparison, our guide to best no annual fee credit cards for travel shows how the Bilt card stands out with its rent-earning capability.

How Bilt Points to Spirit Transfers Work

Transfer Ratio and Speed

Bilt transfers to Spirit at a 1:1 ratio, meaning 10,000 Bilt Points becomes 10,000 Free Spirit points. Transfers typically process within 24-48 hours, though Bilt recommends allowing up to 72 hours for points to appear in your Spirit account.

Minimum Transfer Amount

The minimum transfer is 1,000 Bilt Points. After that, you can transfer in increments of 1,000 points. There's no maximum transfer limit, though you'll want to keep Bilt's monthly transfer restrictions in mind.

Bilt's Monthly Transfer Rules

Remember that Bilt only allows point transfers during specific windows each month. You can transfer points to airline and hotel partners from the 1st through the 7th of each month. If you miss that window, you'll need to wait until the following month.

This is where planning ahead matters. If you spot a Spirit flight you want to book, make sure you have enough points already in your Spirit account or can transfer during the monthly window. If you're considering other transfer options, check out our complete guide to hotel points to compare Bilt's hotel partners.

Spirit Airlines Award Chart Breakdown

Domestic Awards

Spirit's reward pricing varies based on route and demand, but here are typical ranges:

Short-haul flights (under 500 miles)

• Standard: 2,500-5,000 points one-way
• Peak dates: 7,500-10,000 points one-way

Medium-haul flights (500-1,500 miles)

• Standard: 5,000-10,000 points one-way
• Peak dates: 12,500-17,500 points one-way

Long-haul domestic (over 1,500 miles)

• Standard: 10,000-17,500 points one-way
• Peak dates: 20,000-30,000 points one-way

International Awards

Caribbean and Mexico

• Standard: 7,500-15,000 points one-way
• Peak dates: 17,500-25,000 points one-way

Central and South America

• Standard: 12,500-25,000 points one-way
• Peak dates: 30,000-40,000 points one-way

The No Blackout Date Advantage

Here's where Spirit's program shines: zero blackout dates for reward travel. If there's a seat available for purchase on a flight, you can book it with points. This is huge for holiday travel when other programs impose restrictions or charge astronomical rates.

Strategic Ways to Use Bilt Points on Spirit

Best Value Redemptions

1. Short Regional HopsThose 2,500-point flights are the sweet spot. Think Fort Lauderdale to Nassau, or Los Angeles to Las Vegas. These flights often cost $80-150 cash, giving you roughly 3-6 cents per point in value.

2. Caribbean Weekend GetawaysSpirit's extensive Caribbean network makes it easy to find 7,500-10,000 point flights to destinations like Aruba, Jamaica, or Puerto Rico. Since Spirit's base fares are already low, the point value stays reasonable at 1-2 cents per point.

3. Positioning FlightsUse Spirit to get to major hubs where you can catch international flights on premium carriers. For example, transfer Bilt Points to Spirit for a cheap positioning flight to Fort Lauderdale, then use other points for a business class flight to Europe. Our guide on best credit cards for flying business class shows how to combine strategies like this.

When to Transfer vs. When to Wait

Transfer to Spirit when:

• You've found a specific flight at a good redemption rate
• You're booking during the monthly transfer window (1st-7th)
• The cash price is high relative to the point cost
• You don't have better uses for your Bilt Points

Keep points in Bilt when:

• You haven't identified a specific redemption
• Better transfer partners offer higher value for your route
• You're saving for a premium cabin redemption elsewhere
• The transfer window has closed and your travel is urgent

Comparing Bilt Point Transfers: Spirit vs. Other Partners

Spirit vs. Alaska Airlines

Both are Bilt transfer partners, but they serve different purposes:

Spirit advantages:

• Lower redemption minimums (2,500 vs. 5,000)
• More Caribbean and Latin America routes
• No blackout dates
• Better for budget-focused travel

Alaska advantages:

• Access to oneworld partners
• Better for long-haul domestic travel
• Premium cabin options
• Higher average point value

For more on Alaska's program, see our best Alaska Airlines credit cards comparison.

Spirit vs. United Airlines

United is another major Bilt partner:

Spirit advantages:

• Much lower point requirements for short flights
• Better Caribbean coverage
• Simpler award chart
• No close-in booking fees

United advantages:

• Star Alliance partner access
• International long-haul network
• Premium cabin availability
• Better for business travel

Explore United's program in our United MileagePlus complete guide.

When Spirit Makes the Most Sense

Choose Spirit transfers when:

• You're booking economy domestic or Caribbean travel
• You value flexibility over luxury
• You're maximizing points from limited rent income
• You want the lowest possible point requirement

Maximizing Your Bilt Earning for Spirit Transfers

Rent Day Strategy

Your biggest Bilt Points source is rent. Here's how to maximize it:

Monthly rent payment: 1x point per dollar (up to 100,000 points annually)Rent Day bonus: Double points on eligible purchases on Rent Day each monthRent Day dining: 3x points at participating restaurants (6x on Rent Day)

If you're targeting Spirit redemptions, timing your spending around Rent Day can significantly boost your earning rate. The Bilt Mastercard makes this automatic when you pay rent through the platform.

Bilt Mastercard Earning Rates

Outside of rent, here's where the Bilt Mastercard shines:

• Dining: 3x points per dollar at restaurants (6x on Rent Day)
• Travel: 2x points per dollar on travel purchases
• Other purchases: 1x point per dollar

Strategic Spending for Spirit Goals

Let's say you want to book a round-trip Spirit flight for 15,000 points total. Here's how to earn it quickly:

Scenario 1: Rent-focused

• Monthly rent: $1,500 = 1,500 points
• Rent Day dining: $200 × 6x = 1,200 points
• Regular spending: $500 × 1x = 500 points
• Monthly total: 3,200 points (earn target in 5 months)

Scenario 2: Heavy dining

• Monthly rent: $2,000 = 2,000 points
• Regular dining: $400 × 3x = 1,200 points
• Rent Day dining: $150 × 6x = 900 points
• Other spending: $300 × 1x = 300 points
• Monthly total: 4,400 points (earn target in 4 months)

The Complete Bilt Transfer Partner Landscape

With Spirit, Bilt now offers 24 transfer partners. Here's how they stack up:

Airline Partners

• U.S. carriers: United, American, Alaska, Hawaiian, Spirit
• International: Air France/KLM, Virgin Atlantic, Avianca, Cathay Pacific, Turkish Airlines, Aer Lingus, Iberia
• Asian carriers: Air Canada (Aeroplan)

Hotel Partners

• Hyatt: 1:1 transfers (often considered best value)
• IHG: 1:1 transfers
• Marriott: 3:1 ratio (transfer 3 Bilt Points for 1 Marriott point)
• Hilton: 1:1 transfers

For detailed analysis of hotel programs, see our guides on World of Hyatt, IHG One Rewards, Marriott Bonvoy, and Hilton Honors credit cards.

When to Choose Spirit Over Other Partners

Spirit makes sense when:

1. Your redemption needs are under 10,000 points one-way
2. You're traveling to Spirit-heavy markets (Caribbean, Latin America)
3. You prioritize flexibility over comfort
4. You want to maximize the number of trips from limited points

For premium redemptions or long-haul international travel, partners like Air France/KLM or Virgin Atlantic often deliver better value. If you're exploring other point-earning options, check out our best travel credit cards comparison.

Real-World Redemption Examples

Example 1: Miami to San Juan

• Cash price: $180 one-way
• Spirit award: 7,500 points
• Value: 2.4 cents per point
• Verdict: Solid redemption, especially during peak travel

Example 2: Los Angeles to Las Vegas

• Cash price: $79 one-way
• Spirit award: 2,500 points
• Value: 3.16 cents per point
• Verdict: Excellent value, among Spirit's best redemptions

Example 3: Fort Lauderdale to Cartagena

• Cash price: $220 one-way
• Spirit award: 12,500 points
• Value: 1.76 cents per point
• Verdict: Decent value for international travel

Example 4: Chicago to Cancun

• Cash price: $165 one-way
• Spirit award: 10,000 points
• Value: 1.65 cents per point
• Verdict: Fair value, consider alternative partners for better rates

How to Transfer Bilt Points to Spirit

Step-by-Step Process

1. Log into your Bilt account via the Bilt app or website
2. Navigate to the Rewards section
3. Select "Transfer Partners"
4. Choose Spirit Airlines from the airline options
5. Enter your Free Spirit membership number (create one free at spirit.com if you don't have it)
6. Select the number of points to transfer (minimum 1,000, increments of 1,000)
7. Confirm the transfer

You can also transfer directly through Bilt's Spirit partner page. For more on transfer strategies across programs, see our Chase Ultimate Rewards complete guide.

Timeline and Tracking

Points typically appear in your Spirit account within 24-48 hours, though Bilt states it can take up to 72 hours. You'll receive an email confirmation from Bilt when the transfer processes.

To check your Spirit points balance:

• Log into your Free Spirit account at spirit.com
• Check the "My Account" section
• Points should show within 2-3 business days

Common Transfer Issues

Problem: Points haven't appeared after 72 hoursSolution: Contact Bilt customer service through the app with your confirmation number

Problem: Free Spirit number not recognizedSolution: Verify you've entered the correct number (no spaces or dashes) and that your Spirit account is active

Problem: Can't transfer during non-transfer windowSolution: Wait until the 1st of the following month; mark your calendar for the 1st-7th window

Spirit Airlines Flight Network Highlights

Top U.S. Destinations for Spirit Awards

Fort Lauderdale HubSpirit's largest hub offers 50+ destinations. Best low-point redemptions:

• Orlando: 2,500 points
• Tampa: 2,500 points
• Key West: 5,000 points

Las Vegas HubGreat for West Coast travelers:

• Los Angeles: 2,500-5,000 points
• San Francisco: 7,500 points
• Portland: 7,500 points

Orlando HubPerfect for family vacations:

• New York area: 7,500-10,000 points
• Boston: 10,000 points
• Chicago: 10,000 points

Caribbean Network

Spirit excels in Caribbean coverage with service to 30+ islands:

Best value routes:

• Florida to Bahamas: 2,500-5,000 points
• Florida to Jamaica: 7,500 points
• Fort Lauderdale to Aruba: 10,000 points

Less competitive routes:

• Regional Caribbean hops: 5,000-7,500 points
• San Juan connections: 5,000-10,000 points

Latin America Connections

Central America

• Belize City: 10,000-12,500 points
• Guatemala City: 12,500-15,000 points
• San Salvador: 10,000 points

South America

• Cartagena: 12,500-15,000 points
• Bogotá: 15,000-20,000 points
• Lima: 20,000-25,000 points

Is the Bilt-Spirit Partnership Worth It?

Who Benefits Most

This partnership is ideal for:

Budget-conscious travelers: Spirit's low redemption rates let you take more trips with fewer points

Caribbean enthusiasts: Spirit's extensive island network is tough to beat

Frequent short-haul flyers: Those 2,500-point flights add up to serious savings

Urban renters: If you're already paying rent, why not earn points on it? Learn more about getting your first travel credit card if you're new to the game.

Who Should Look Elsewhere

This partnership may not work if you:

Prioritize comfort: Spirit's no-frills service isn't for everyone

Fly long-haul international: Better value exists through other Bilt partners

Need checked bags: Spirit charges for everything; factor in add-on costs

Value elite status: Spirit's program offers minimal elite benefits compared to legacy carriers

The Bottom Line on Value

At 1-3 cents per point for most redemptions, Spirit transfers from Bilt offer decent but not exceptional value. The real advantage is the combination of rent earning and low redemption thresholds—making travel accessible from everyday spending.

For pure point value, Bilt's transfers to Hyatt or Air France/KLM often deliver better returns. But for maximizing trip quantity over luxury, Spirit is now a compelling option. Compare this to other flexible points programs to see where Spirit transfers fit your strategy.

Tips for First-Time Spirit Flyers Using Points

What to Expect

The Good:

• Reliable schedule performance (Spirit's on-time rate is around 80%)
• Modern fleet with decent legroom in standard seats
• No-frills but professional service
• Extensive route network

The Not-So-Good:

• Everything costs extra (bags, seats, drinks)
• Seats don't recline
• Limited customer service flexibility
• Schedule changes can be challenging

Reducing Out-of-Pocket Costs

Even with an award ticket, you'll face some fees:

Standard fees on all tickets:

• Passenger Usage Fee: $23.99 per segment
• Security fee: $5.60 per one-way trip
• Total base fees: ~$30-40 per one-way flight

Optional add-ons:

• Carry-on bag: $69-89
• Checked bag: $50-100
• Seat selection: $1-50
• Priority boarding: $6-26

Money-saving strategies:

1. Pack light to avoid bag fees (personal item is free)
2. Select seats during online check-in to avoid upcharges
3. Bring your own snacks and drinks
4. Join the Free Spirit frequent flyer program for slight discounts

For more on managing travel costs, see our guide on credit card travel insurance to understand what protections you have.

Frequently Asked Questions

Can I transfer Bilt Points back from Spirit Airlines?

No, point transfers to Spirit are one-way and non-reversible. Once you move points to Spirit, they must be used within Spirit's Free Spirit program.

Do Spirit award tickets include any baggage allowance?

Spirit award tickets include one free personal item (must fit under the seat). Carry-on bags and checked luggage require additional payment even on award tickets.

Can I use Bilt Points to pay for Spirit's baggage fees?

No, Bilt Points must be transferred to Spirit's Free Spirit program first. You cannot directly use Bilt Points to pay for Spirit add-ons or fees.

How long do transferred points stay in my Spirit account?

Spirit Free Spirit points expire after 90 days of no qualifying activity. Qualifying activity includes earning or redeeming points, or making a paid Spirit flight. Transferring Bilt Points counts as earning activity and resets the expiration clock.

Are there any transfer fees when moving Bilt Points to Spirit?

No, Bilt doesn't charge transfer fees to any of its airline partners, including Spirit. The 1:1 ratio is exactly what you'll receive.

Can I transfer Spirit points to other family members?

Spirit allows point pooling for up to 8 family members for a $60 annual fee. Individual point transfers to another member's account cost $25 per transaction.

What happens if Spirit changes or cancels my award flight?

Spirit's award ticket change and cancellation policies mirror their paid ticket policies. Changes incur a $90 fee plus any fare difference. Cancellations forfeit the points unless you purchased trip insurance.

Conclusion

The new Bilt-to-Spirit transfer partnership fills a unique gap in the points and miles landscape. For the first time, you can fund ultra-low-cost carrier flights with points earned from rent and everyday spending—no flying required to build your balance.

While Spirit won't deliver the point values you'd see from premium cabin international redemptions, the low thresholds and zero blackout dates make travel genuinely accessible. One month's rent can literally fund a weekend getaway.

If you're already earning Bilt Points through rent payments, having Spirit as a transfer option gives you more flexibility to maximize trip quantity. Just remember the monthly transfer windows (1st-7th), plan for Spirit's add-on fees, and compare redemption rates across Bilt's full partner network before committing your points.

Ready to start earning? Check out the Bilt Mastercard to maximize your rent payments and unlock access to Spirit's extensive network. You can transfer points to Spirit starting today.

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