0 verified cards · Bilt Points
Bilt Rewards
The only major card that earns points on rent with no transaction fee. Transfers 1:1 to Hyatt, United, AA, and Turkish.
All issuers
Currency
Bilt Points →Application rules
The quirks of how Bilt approves cards. Read these before you apply — most denials are predictable.
- Three-tier family as of February 2026: Bilt Blue ($0), Bilt Obsidian ($95), Bilt Palladium ($495).
- Must use the card 5+ times per statement period to earn rewards (Rent Day requirement).
- Rent Day on the 1st of each month doubles points on every category up to 100k/year.
Transfer-partner highlights
- ✓World of Hyatt — same 1:1 ratio as Chase
- ✓American AAdvantage — only US card outside Citi to transfer to AA at 1:1
- ✓Turkish Miles&Smiles — short-haul AA sweet spot
- ✓United MileagePlus — Star Alliance access
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Other issuers
JPMorgan Chase
Issuer of the Sapphire family and home of Ultimate Rewards, the most flexible bank-points currency for travelers in the US.
American Express
Membership Rewards transfers to ANA, Singapore, Air France/KLM, Delta, and Hilton — the deepest premium-cabin partner library in the US market.
Citibank
ThankYou Points transfer to Turkish Miles&Smiles, Singapore KrisFlyer, and JetBlue. Underrated, especially for the Strata Premier earning structure.
Capital One
Venture and Spark families with simple 2x earning everywhere and growing transfer partner list including Turkish, Avianca, and Aeroplan.
Wells Fargo
Autograph family with strong 3x category earning and growing transfer partner list (Choice Hotels, Air France/KLM, Avianca).
Bank of America
Premium Rewards Elite ($550) is BoA's flagship. Best for clients with Preferred Rewards Platinum Honors status (75% earning boost).
Barclays US
Co-brand specialist. JetBlue Plus, Wyndham Earner, and AAdvantage Aviator (closing). Lost the AAdvantage exclusive to Citi in October 2025.
U.S. Bank
Altitude Reserve and Connect cards offer mobile-wallet-bonus earning rare elsewhere. Smith Travel Rewards transfers to a small but useful partner list.
Discover
Cash-back specialist with 5% rotating quarterly categories and matched first-year bonus that doubles earning. Now part of Capital One.