What are Bilt Points worth?
Credit Upside values Bilt Points at a conservative 1.80¢ per point — the same mid-range number the optimizer uses to score your spending. That's about 1.80× a penny — a Bilt point is worth more than a 1¢ cash-back point.
Updated 2026-09-16
What you actually get depends on how you redeem. A great redemption can beat this; cashing out often pays less.
How we get to 1.80¢
Bilt Points are points you can move to airline and hotel partners — the most flexible kind. We use a single conservative mid-range value — not the best-case redemption a points blog might quote — because the optimizer has to be honest about what you'll typically get, not what's theoretically possible. Your own redemptions can beat it (a well-timed transfer) or trail it (a low-value cash-out). Full methodology →
Cards that earn Bilt Points — and where they go
- Bilt Blue Card — 1x on rent, no fee
25 programs in total. This is what makes Bilt Points more useful than a currency locked to one airline at the same value.
Is a Bilt point better than cash?
At 1.80¢, yes on paper — but only if you redeem near that value. A 1.80¢ point that you cash out at 1¢ is just a 1¢ point. The only way to know for your wallet is to score real spending — which is what the app does, applying this value to every charge.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Valued near it: World of Hyatt points (1.50¢) · Alaska miles (1.40¢) · AAdvantage miles (1.35¢) · Aeroplan points (1.35¢) · Avios (1.30¢)
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