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Zach…what is Bilt Dining?
A few years ago, Bilt Rewards ( I’m an investor and advisor ) introduced a way to earn points on dining, up to 10x, on all participating restaurants and you don’t even need the Bilt Mastercard® to participate! You just load in your credit card, and when you use it at a participating restaurant, you’ll earn your credit card points AND Bilt Rewards. You’re effectively doubling up every time you dine at a participating restaurant ( If you use your Bilt Mastercard® you’d earn your 3x on top of the Bilt Dining bonus, and 6x on Rent Day ).
20k more Restaurants have been added, so let’s take a look!
Table of Contents
Bilt Dining is currently available in these cities:
You’ll see, in app, that dining is now one of the tabs – you can search for cuisine, restaurant, etc here. If you use a credit card that is loaded in your Bilt Wallet, you earn an additional 2x to 10x Bilt Rewards whenever you dine at these establishments.
- Boston
- Atlanta
- Austin
- Charlotte
- Chicago
- Dallas
- Denver
- Houston
- Las Vegas
- Los Angeles
- Miami
- Nashville
- New York
- Philadelphia
- Phoenix
- Portland
- Salt Lake City
- San Antonio
- San Diego
- San Francisco
- Seattle
- Washington D.C.
20,000+ new restaurants have been added
Bilt has been able to add many more restaurants by partnering with Rewards Network, Seated, restaurant groups, and chefs to ensure members across the country can earn bonus Bilt Points for every dollar spent.
Zach…I have card linked to other Dining Programs. In one feel swoop you can de-link, but you will have to choose.
Bilt Wallet – adding a credit/debit card to earn 2x to 10x in addition to your credit card bonus
If you have the Bilt Mastercard your card will be automatically added. But, you can add additional cards, or if you don’t have the Bilt Mastercard you can add a credit or debit card that you currently hold. The dining purchases are coded restaurant so if the card you add has a dining category bonus, you’ll still earn that. Note that the bill needs to be coded from the restaurant not from the likes of Grubhub, Uber Eats, etc.
Bilt Dining works in conjunction with Rent Day
If you have the Bilt Mastercard®, you’ll earn double points on the credit card charge portion, but not the Bilt dining rate. For instance, if you used your Bilt Mastercard to pay, you’d earn 6x via the card, and then if they restaurant was earning 6x, you’d earn an effective 12x points.
Recap
Bilt Rewards has incredible points, and Bilt Dining is a super easy way to earn additional Bilt Rewards without you having to do anything, or even use a different credit card, and they have a ton more restaurants.
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
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 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, 2027.
- $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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