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Bilt Rewards ( I’m an advisor and investor ) has added Hilton Honors as a 1:1 transfer partner making it the only transferrable points program that has the “Big 4:” Hyatt, Marriott, IHG, and now Hilton as transfer partners. This is great news, and I always advocate for more redemption options; however, I’d have hoped for a better transfer ratio given how valuable Bilt Rewards are compared to Hilton.
Personally, I value Bilt Rewards at 2 cents and Hilton Honors at 1/2 a penny ( you can see my full point valuations here ) so I wouldn’t advise transferring points at a 1:1 ratio, but perhaps in the future we will see Hilton as a Bilt Rewards Rent Day partner with some massive bonuses ( and under certain circumstances it could make sense – think Maldives, Bora Bora, Waldorf Cabo, Zemi Beach House, etc where nights can be $1k+ and you could get multiple cents per point in value ).
American Express is the only other transferrable program point program with Hilton as a partner and their ratio is 1:2
To start off this partnership, through 6/8/24 if you transfer a minimum of 1000 Bilt Points to Hilton Honors you’ll get 1000 Hilton Honors bonus.
Bilt Mastercard®
Earn Bilt Points with the Bilt Mastercard® : the only credit card that earns points on rent ( up to 100k a year ) without transaction fees.
It’s the only 1:1 program where you can transfer points to American, Alaska and United and the 4 largest hotel programs: IHG, Hyatt, Marriott, and Hilton
A complete no brainer for renters in the USA
Welcome Offer
None
Annual Fee
$0
Points Earned
Bilt Points
Finally you can earn points on one of your biggest monthly expenses, RENT, without any processing fees Terms and Conditions. Use the card 5 times each statement period to earn points.
Bilt Rewards has a great list of transfer partners and will mail your landlord a check, process via ACH, Paypal, or Venmo on your behalf. Bilt then puts the amount of your rent on your credit card statement.
Bilt “Rent Day”
- On the first of every month, all non-rent expenses earn double points, up to 10,000 points.
- Note: Use the card 5 times each statement period to earn points
- $0 Annual fee See terms
- Earn Structure:
- 1x on rent (up to 100,000 points in a calendar year) and other purchases
- 2x on travel
- booked direct with airlines, hotels, cruises or car rentals
- 3x on dining
- Use the card 5 times each statement period to earn points
- Learn More about the product features, terms, and conditions
- Transfer points 1:1 to over a dozen partners, including American, United, and Hyatt
- Redeem points toward Rent, Mortgage Downpayment, Amazon, etc
- Redeem at 1.25c in the Bilt Rewards Travel Center (powered by Expedia)
- Features and Benefits
- Cellular Telephone Protection
- Up to $800 of cell phone protection per claim, subject to a $25 deductible deductible
- Auto Rental Collision Damage Waiver
- Cellular Telephone Protection
- If you’d like to read the Guide to Benefits you can do so here
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
75k Ultimate Rewards after $4k spend in 3 months
*you may find an elevated offer walking into a branch – see below
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 75k Ultimate Rewards after $4k spend in 3 months
- Worth $937.50 in Chase Travel℠ and way more if you maximize transfer partners
- Some people have seen Chase branches offering the following:
- 75k Ultimate Rewards After $4k spend in 3 months + 10k Ultimate Rewards after $6k in 6 months
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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