Bilt ends 4% Bilt Cash option for new cardholders starting in 2027
By Alex Compton · Updated
Bilt is dropping its Flexible Bilt Cash rewards option for cards approved in January 2027 or later, moving new cardholders to Housing-Only Rewards, and is also changing how Bilt Cash expires and how it can be used for hotels. Current cardholders who want to keep the 4% Bilt Cash structure must opt in by December 31, 2026.
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At a Glance
What Changed
New cardholders approved in January 2027 and beyond will be placed in Housing-Only Rewards, which earns up to 1.25x on rent and mortgage payments, while existing cardholders can keep Flexible Bilt Cash only by manually opting in by December 31, 2026. Bilt Cash now expires after a rolling 12 months, and hotel credits are being replaced with Bilt Cash: $100 for Obsidian and $600 total for Palladium, though those who keep Flexible Bilt Cash retain the old hotel credits. Using Bilt Cash for hotel stays drops from once per month to twice per year, capped at $50 per use for Blue/Silver, $100 for Gold/Platinum and $200 for Palladium, with the 2-night minimum unchanged. Bilt also launches a Daily Rewards program on January 15, 2027, adds Hertz and SIXT status matches for Silver, Gold and Platinum members, and allows card upgrades in the app.
Our Take
If you already earn well from the 4% Bilt Cash structure, opt in to keep it before the year-end deadline, since new applicants won't have that choice. If you mainly use your card for rent or mortgage payments and rarely redeem Bilt Cash, Housing-Only Rewards may be simpler, but note the tighter hotel redemption limits.
Before You Act
- 1Decide whether to keep Flexible Bilt Cash and opt in by December 31, 2026
- 2Check when your Bilt Cash balance will expire under the rolling 12-month rule
- 3Plan any hotel redemptions around the new twice-per-year limit
- 4Look for the Daily Rewards program on January 15, 2027