How to Earn Bilt Points Without the Bilt Credit Card (2025)

All information about the Bilt Mastercard® has been collected independently by AskSebby.com.

You don't need the Bilt credit card to start earning valuable travel rewards on rent and everyday spending. Here's everything you need to know about earning Bilt Points without opening a new credit card account.

What Are Bilt Points and Why Do They Matter?

Bilt Rewards has revolutionized the loyalty landscape by allowing members to earn points on rent, traditionally the most significant monthly expense, where rewards were difficult to earn. While the no-annual-fee Bilt credit card gets most of the attention, the real story is that anyone can join Bilt Rewards for free and start earning points immediately, without applying for their credit card.
 

Bilt Points are transferable rewards that can be converted 1:1 to major airline and hotel partners, including United Airlines, Alaska Airlines, World of Hyatt, IHG, and many others. This flexibility makes them among the most valuable rewards currencies available today.

Can You Really Earn Bilt Points Without the Credit Card?

Yes! Bilt Rewards is free to join, and membership unlocks multiple ways to earn points using credit or debit cards you already have. The program is specifically designed to reward everyday spending at neighborhood businesses, regardless of which payment method you prefer.
 

Here's what makes Bilt unique: Unlike traditional credit card rewards programs that tie earnings exclusively to their branded card, Bilt allows you to link any Visa, Mastercard, or American Express, including debit cards, to your Bilt Wallet and automatically earn bonus points when you shop at participating merchants.

7 Ways to Earn Bilt Points Without the Bilt Mastercard

1. Earn Points on Rent Payments (250-2,000+ Points Monthly)

For Bilt Alliance Property Residents: If you live in one of the 4.5+ million homes in the Bilt Alliance network, you can earn 1 point per dollar spent on rent (up to 100,000 points annually) by paying directly through your property's Bilt-enabled payment portal. You can pay using ACH, debit card, or any credit card, no Bilt Mastercard required.
 

For Non-Alliance Property Residents: If your building isn't part of the Bilt Alliance, you can still earn rewards on rent:

• ACH or debit card payments: Earn a flat 250 Bilt Points per monthly rent payment using the BillPay by Bilt feature
• Credit card payments (Visa/Mastercard/Discover): Earn 1 Bilt Point per dollar spent on rent, subject to a 3% transaction fee
• American Express credit cards: Earn 1 Bilt Point per $2 spent on rent, subject to a 3% transaction fee
   

Pro tip: The 3% fee generally doesn't make sense for everyday rent payments, but it can be valuable when you're trying to meet a minimum spending requirement for a credit card welcome bonus. For example, if you're $2,000 short of earning a 75,000-point signup bonus on another card, paying a $60 fee (3% of $2,000) to secure that bonus makes financial sense.
 

2. Stack Points at 20,000+ Neighborhood Dining Locations (2-3X Points)

Bilt Dining is one of the most overlooked earning opportunities in the rewards space. Simply link any credit or debit card to your Bilt account, and you'll automatically earn 2-3 Bilt Points per dollar spent at over 20,000 participating restaurants nationwide, in addition to whatever rewards your linked card already earns.

How it works:

1. Link your preferred credit or debit card(s) in the Bilt app under the "Wallet" tab
2. Use the Bilt app's new interactive neighborhood map to find participating restaurants near you
3. Pay your bill with any linked card
4. Bonus Bilt Points post automatically within 7 days

Double-dipping example: Let's say you have the Chase Sapphire Preferred® Card, which earns 3X points on dining. When you dine at a Bilt partner restaurant:

• Chase Sapphire Preferred® Card: 3X Chase Ultimate Rewards points
• Bilt Dining: 3X Bilt Points
• Total rewards: 6X points back on your meal

Exclusive benefits at select restaurants:

• Mobile Checkout for seamless payment
• Complimentary gifts from the kitchen
• Ability to pay with Bilt Points
• Member-exclusive dining experiences

3. Earn on Walgreens Purchases (1-10X Points)

Bilt's partnership with Walgreens offers multiple earning opportunities:

• Prescription refills: +10 points per prescription (flat bonus, not per dollar)
• Walgreens branded products: +2 Bilt Points per dollar spent
• All other Walgreens purchases: +1 Bilt Point per dollar spent

Bonus: Automatic FSA/HSA Savings. One of the most valuable Walgreens benefits has nothing to do with points: Bilt automatically identifies FSA/HSA-eligible items from your Walgreens purchases and helps you submit for reimbursement. Within 72 hours of shopping, eligible items appear in the Neighborhood Benefits > Pharmacy tab, where you can instantly submit for healthcare savings.

How to activate:

1. Open the Bilt app and navigate to "Neighborhood" > "Pharmacy"
2. Enable rewards for Walgreens
3. Link a payment card to your Bilt Wallet
4. Shop at Walgreens using your linked card

Note: Alcohol, tobacco, gift cards, and pharmacy co-pays are excluded from earning rewards.
 

4. Earn 2X Points on All Lyft Rides

Link your Bilt and Lyft accounts to automatically earn 2 Bilt Points per dollar spent on Lyft rideshare services, including bikes and scooters. This benefit requires no credit card and works with any payment method saved in your Lyft app.

Important: To link accounts, the phone number on your Lyft account must match the phone number on your Bilt Rewards account.

Redemption option: Bilt is the first loyalty program that allows members to pay for Lyft rides directly with points through the Lyft app. This is particularly valuable for using points when you're short on cash.
 

5. Earn Up to 3X Points at Fitness Studios

Book fitness classes through the Bilt app at nine national partner chains across 1,200+ locations:

• Barry's Bootcamp
• CorePower Yoga
• CycleBar
• Pure Barre
• Rumble Boxing
• SoulCycle
• Y7 Studio
• YogaSix
• BFT (Body Fit Training)

Earning rate: 2-3X Bilt Points per dollar spent on classes

Complimentary perks when booking through Bilt:

• Free mat and towel rental at Y7 Studio ($11 value)
• Free glove rental at Rumble Boxing ($4 value)
• Free shoe rental and bottled water at SoulCycle ($9.50 value)
• Free shake at Barry's Bootcamp Fuel Bar ($12+ value)
• Free shoe rental at CycleBar ($4 value)
• Free yoga mat and towel rental at CorePower Yoga ($3 value)

These complimentary items can add up to significant savings for regular fitness enthusiasts.
 

6. Get 100 Bonus Points for Linking Loyalty Programs

Earn a one-time bonus of 100 Bilt Points for each airline and hotel loyalty program you link to your Bilt account. With Bilt's extensive network of transfer partners, including United MileagePlus, Alaska Mileage Plan, World of Hyatt, IHG One Rewards, and 10+ others, you can quickly earn 1,000+ bonus points just by connecting existing accounts.

This is completely free and takes only a few minutes in the Bilt app.
 

7. Take Advantage of Monthly Rent Day Promotions (1st of Each Month)

On the first day of every month, Bilt offers special "Rent Day" promotions available to all members, regardless of whether they have the Bilt Mastercard. Examples of Rent Day promos:

• Transfer bonuses: Industry-leading point transfer bonuses to airline and hotel partners (often 50-100% bonuses) 

• Status matches: Opportunities to match elite status from one airline or hotel program to another

• Rent Free contests: Partner with celebrity guests for chances to win free rent and Bilt Points

• Exclusive neighborhood experiences: Complimentary fitness classes, curated dining experiences, and comedy shows

Pro tip: Set a recurring monthly reminder for Rent Day to ensure you don't miss time-sensitive transfer bonuses. These promotions can dramatically increase the value of your points, for example, a 100% transfer bonus to American Airlines means 10,000 Bilt Points become 20,000 AAdvantage miles.

How to Maximize Bilt Points Without the Credit Card

Strategy 1: Link Your Best Rewards Credit Cards

The key to maximizing Bilt earnings without their credit card is strategic card linking. Link credit cards that already offer strong rewards in categories that overlap with Bilt partners:

For dining: Link cards like:

• Chase Sapphire Preferred® Card or Chase Sapphire Reserve® (3X points on dining)
• American Express® Gold Card (4X points at restaurants) Terms apply. Rates & Fees
• Capital One Savor Cash Rewards Credit Card (3% cash back on dining)

This creates a "double-dip" where you earn both your card's rewards AND Bilt's 2-3X bonus points.

For fitness: Link any card you're already using, since few cards offer fitness-specific bonuses.
 

Strategy 2: Focus on High-Value Redemptions

Bilt Points can be worth 2.0+ cents each when used optimally. To maximize value without the credit card's enhanced earning rates:

Best redemption options:

1. Transfer to airline partners for business/first class: Can yield 5-10+ cents per point value
2. Transfer to hotel partners during promotions: Often provides 2-3+ cents per point
3. Book travel through Bilt Portal at 1.25 cents per point: Better than cash value
4. Down payment on a home at 1.5 cents per point: Industry-first option for building equity

Redemptions to avoid:

• Gift cards (typically 0.8-1 cent per point)
• Retail shopping at the Bilt store (usually 1 cent per point or less)
• Paying rent with points (better to earn points on rent instead)
   

Strategy 3: Time Rent Payments Strategically

If you're paying rent through Bilt with a non-Bilt credit card to meet a spending requirement, time it strategically:

Best scenario: You receive a premium credit card with a high intro bonus (e.g., 75,000 points after $4,000 spend) and are $2,000 short with only one week left to meet the deadline. Paying $2,000 in rent through Bilt with a 3% fee ($60) nets you:

• 75,000 credit card signup bonus points
• 2,000 Bilt Points from the rent payment
• Total value: $1,650-2,250 depending on card and redemption (well worth the $60 fee)

Worst scenario: Paying rent through Bilt with a 3% fee just to earn 1X Bilt Points without any other strategic benefit. In this case, you're effectively buying points at 3 cents each (poor value).
 

Strategy 4: Leverage the Free Rent Reporting Feature

While it doesn't directly earn points, Bilt's Credit Boost feature is one of the program's most valuable benefits for building wealth. Enroll for free to have on-time rent payments automatically reported to all three major credit bureaus (Experian, TransUnion, and Equifax).

This can significantly improve your credit score over time, qualifying you for better interest rates on mortgages, car loans, and premium credit cards, ultimately worth far more than any points you'll earn.

Bilt Points Redemption Options

Once you've earned Bilt Points, you have extensive redemption flexibility to transfer the points out to travel partners, including the ones below.. 

Bilt Rewards Transfer Partners
 

Bilt airline partners:

• Atmos Rewards (Alaska Airlines + Hawaiian Airlines)-1:1
• Avianca Lifemiles -1:1
• United MileagePlus® -1:1
• Air France/KLM Flying Blue® -1:1
• Virgin Red® -1:1
• Virgin Atlantic Flying Club -1:1
• Emirates Skywards® -1:1
• British Airways Executive Club -1:1
• Cathay Pacific -1:1
• Turkish Airlines Miles&Smiles -1:1
• Aer Lingus AerClub -1:1
• Iberia Plus -1:1
• Air Canada Aeroplan® -1:1
• TAP Miles&Go -1:1
• Southwest Airlines -1:1
• Japan Airlines -1:1
• Qatar Airways Privilege Club Avios -1:1
• Etihad Airways -1:1
   

Bilt hotel partners:

• Hilton Honors -1:1
• Marriott Bonvoy™ -1:1
• World of Hyatt® -1:1
• IHG® One Rewards -1:1
• Accor Live Limitless -3:2
   

Book directly through Bilt Travel Portal:

• 500+ airlines and 700,000+ properties
• Points worth 1.25 cents each (better than baseline value)
• No blackout dates

Participating Loyalty Partners are subject to change.
 

Everyday Redemptions

• Lyft rides: Pay with points directly in the Lyft app
• Fitness classes: Redeem starting at 3,000 points
• Amazon purchases: Use points at checkout
• Gift cards: 120+ merchants, including Airbnb and Starbucks
• Rent payments: Pay future rent with points
• Student loans: Pay down eligible student loans
• Home down payment: Industry-first option at 1.5 cents per point

Getting Started: How to Sign Up for Bilt Rewards

1. Visit BiltRewards.com
2. Create your free account using your email and phone number
3. Link your payment cards in the Wallet tab (credit cards, debit cards, or both)
4. Confirm your address to unlock neighborhood benefits near you
5. Start earning immediately at participating merchants

No credit check required. No Bilt Mastercard needed. Completely free.

Frequently Asked Questions

Q: Do I need good credit to join Bilt Rewards? 
A: No. Bilt Rewards membership is free and does not require a credit check. You can join regardless of your credit score.

Q: Can I use Bilt if I don't pay rent (I own my home)? 
A: Yes. You can still earn Bilt Points through Neighborhood Benefits at restaurants, Walgreens, fitness studios, and with Lyft, even without making rent payments. Bilt is also rolling out the ability to earn points on mortgage payments.

Q: Do Bilt Points expire? 
A: No, Bilt Points do not expire as long as your account remains active.

Q: How long does it take for Bilt Points to post to my account? 
A: Most Bilt Points post within 7 days of a qualifying transaction. Rent payments typically post within 3-5 days.

Q: Can I link the same credit card to multiple Bilt accounts? 
A: You can add the same card to multiple accounts, but only the most recent person to add it will earn bonus points. When Person B adds a card already linked to Person A's account, Person A stops earning bonus points and receives a notification.

Q: What's the difference between earning Bilt Points with vs. without the Bilt Mastercard? 
A: The Bilt Mastercard offers higher earning rates:

• On rent: 1X points with no transaction fee (vs. 250 points flat or 1X with 3% fee)
• On dining: 3X points (vs. 2-3X from Neighborhood Dining)
• On travel: 2X points (vs. 1X or no bonus)
• Rent Day double points: 6X dining, 4X travel on the 1st of each month
• On Lyft: 3X additional points when paying with the Bilt Mastercard (total 5X)

However, the Mastercard requires five transactions per statement period to earn points, has a 100,000-point annual cap on rent earnings, and involves a credit application.

Q: Should I get the Bilt Mastercard? A: It depends on your situation. If you pay rent and want to maximize earnings without fees, the Bilt Mastercard makes sense. If you already have preferred cards in bonus categories and just want to stack additional points at Neighborhood Benefits locations, you can earn very well without it.

Bottom Line: Is Earning Bilt Points Worth It Without the Credit Card?

Yes, Bilt Rewards is one of the few loyalty programs where you can earn significant value without opening a new credit card account. The ability to stack Bilt Points on top of your existing credit card rewards creates a unique "double-dip" opportunity.

Best for:

• Renters who don't want another credit card but want to earn rewards on rent
• People with excellent rewards credit cards who want to stack additional points at restaurants and other merchants
• Anyone looking to earn transferable points without annual fees or credit inquiries
• Budget-conscious travelers who want flexibility in redemption options
   

Sign up for a free Bilt Rewards account today and link your current cards. Bilt Rewards without the credit card is one of the easiest strategies to earn extra points in the rewards space.