Bilt cardholders must opt out to keep earning 4% Bilt Cash in 2027
By Alex Compton · Updated
Bilt is changing how Bilt Cash works for 2027. The 4% Bilt Cash earn on card spend goes away unless you opt out by your cardholder anniversary, and Bilt Cash gets a longer expiration window.
Open Official Page
At a Glance
What Changed
Unless you opt out by your cardholder anniversary, card spend will stop earning 4% in Bilt Cash and you will be left with only the up to 1.25x option. Bilt Cash moves to a 12-month expiration in place of the Dec. 31 expiration, with a $100 rollover, and your expiration date appears in the Bilt app. In 2027, hotel credits will be issued as Bilt Cash on your cardholder anniversary instead of Jan. 1. Card upgrades are now available in the Bilt app, and downgrades are available by calling customer service.
Our Take
If you prefer the 4% Bilt Cash earn, the main thing to do is opt out before your cardholder anniversary, since doing nothing switches you to the up to 1.25x option. The longer Bilt Cash expiration is a straightforward improvement for everyone.
Before You Act
- 1Look up your cardholder anniversary date
- 2Decide whether you want to keep the 4% Bilt Cash earn
- 3Opt out before your anniversary if you want to keep 4%
- 4Check your Bilt Cash expiration date in the Bilt app