Bilt Rewards

Credit Card Points, run by Bilt Rewards

Your points move 1:1 to 23 of 25 partners; Accor Live Limitless at 1:0.67, I Prefer Hotel Rewards at 1:2. The only card currency that reaches Atmos Rewards.

Ratios checked Sep 4, 2026.

Where Your Points Go

Every partner: 2,000-point minimum, in 1,000-point steps. Bilt requires a minimum transfer of 2,000 points from Blue members and 1,000 from Silver, Gold and Platinum. The 2,000 shown is the no-status minimum. Transfers move in 1,000-point increments and cannot be reversed. Ratios are as the program states them.

Airlines (18)

  • Immediate in most cases; allow up to 48 hours

  • Also from Amex, Capital One, Citi, Wells Fargo

    Immediate in most cases; allow up to 48 hours

  • Also from Chase · Worth 1.76¢ a point, checked Sep 8

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Capital One, Citi, Wells Fargo, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Amex, Capital One, Citi

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Capital One, Wells Fargo

    Immediate in most cases; allow up to 48 hours

  • Cathay 1:1

    Also from Amex, Capital One, Citi, Wells Fargo, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Wells Fargo

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Wells Fargo

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex, Capital One, Rove · Worth 1.02¢ a point, checked Sep 8

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One

    Immediate in most cases; allow up to 48 hours

  • Also from Chase · Worth 1.44¢ a point, checked Sep 8

    Immediate in most cases; allow up to 72 hours

  • Also from Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Amex, Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

Hotels (7)

  • Also from Amex

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Amex

    Immediate in most cases; allow up to 48 hours

  • Also from Chase

    Immediate in most cases; allow up to 48 hours

  • Also from Chase

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One, Citi, Rove

    Immediate in most cases; allow up to 48 hours

  • Also from Chase, Capital One, Citi, Wells Fargo

    Immediate in most cases; allow up to 48 hours

  • Also from Capital One, Citi

    Immediate in most cases; allow up to 48 hours

How to Earn Bilt Rewards

Cobranded cards for Bilt Rewards

Reading on Bilt Rewards

About Bilt Rewards

Bilt publishes its full transfer partner list, with every ratio, on its support centre. Twenty-five programs: eighteen airlines and seven hotels. All but two transfer at 1:1 — Accor takes three Bilt points for two ALL points, and I Prefer pays two of its points for every one of yours.

The minimum depends on status. Blue members must move at least 2,000 points; Silver, Gold and Platinum members can move 1,000. Every transfer goes in 1,000-point increments and cannot be reversed once made.

Transfers are immediate in most cases, and Bilt asks members to allow up to 48 hours — up to 72 for Southwest. Bilt notes that participating partners are subject to change and that it sometimes runs promotions at varying transfer rates.

Next Steps