The long-rumored Bilt 2.0 is not a simple card refresh. Instead, it is a full reset of how Bilt wants people to think about earning points on housing, everyday spending, and loyalty status. Let’s unpack the details.
This is a big change, especially for longtime cardholders who are used to earning points on rent without fees. The new system is more flexible, more complex, and in some ways more powerful, but it also requires a clearer understanding of how the pieces fit together. Some will find it a downgrade.
All Bilt cardholders will earn 4% back in Bilt Cash on non-rent/mortgage spend. This Bilt Cash can then be used in several ways, including:
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