Bilt Rewards

Bilt Rewards

Rent payment loyalty rewards platform

Overview

Bilt Rewards is a fintech that lets renters earn points on rent payments. Renters in the Bilt Rewards Alliance earn points automatically by paying rent through the Bilt app; others can use the Bilt World Elite Mastercard to pay rent and have Bilt remit payment to landlords. Points can be redeemed for travel, future rent, a home down payment, or goods from the Bilt Collection, with elite tiers and Milestone Rewards for extra perks. Revenue comes from interchange fees on the co-branded card and referral fees from landlords, partners, and travel partners, and the goal is to scale a rent-powered loyalty network that makes rent a core spend and help users meet housing-related financial goals.

About Bilt Rewards

Simplify's Rating
Why Bilt Rewards is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Consumer Software

Fintech

Financial Services

Real Estate

Company Size

201-500

Company Stage

Late Stage VC

Total Funding

$813.3M

Headquarters

New York City, New York

Founded

2021

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Simplify's Take

What believers are saying

  • August 2026 brought Blacklane, Equinox, Qatar Airways, and Odell Beckham Jr. campaigns.
  • March 2026 Wyndham transfer access expanded Bilt's hotel network to another 1:1 partner.
  • June 2026 CFPB remediation reports signaled Bilt had corrected transition issues and compensated customers.

What critics are saying

  • Wells Fargo exited in February 2026; card transition failures triggered CFPB complaints and payment misses.
  • Protect Borrowers' March 2026 letter cited 75 complaints and late fees from failed rent payments.
  • If Cardless or Column stumbles, Bilt's payments engine breaks and trust collapses fast.

What makes Bilt Rewards unique

  • Bilt turns rent, a non-rewarded expense, into transferable points across 24 partners.
  • Its alliance spans seven million properties, embedding Bilt inside landlords' billing workflows.
  • Bilt's ecosystem now links housing, travel, wellness, and mobility through one app.

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Funding

Total Funding

$813.3M

Above

Industry Average

Funded Over

7 Rounds

Notable Investors:
Late VC funding comparison data is currently unavailable. We're working to provide this information soon!
Late VC Funding Comparison
Coming Soon

Benefits

Medical, dental, & vision

401K match

Equity

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-1%

2 year growth

-1%
Doctor of Credit
Aug 21st, 2026
Bilt partners with Blacklane chauffeur service - earn points & redeem Bilt Cash.

Bilt partners with Blacklane chauffeur service - earn points & redeem Bilt Cash. August 21, 2026 Bilt partnered with Blacklane to integrate their system with bookings, points earnings, points redemptions, and Bilt Cash redemptions. * You can book Blacklane rides from within the Bilt Travel portal. You can pay with any credit card you want. It's not yet clear if the charges post as Bilt or Blacklane. * You can use up to $50/$100/$150 in Bilt Cash each calendar year toward a Blacklane booking: up to $50/year for Blue & Silver status, up to $100/year for Gold status, and up to $150/year for Platinum status. When you book within the Bilt Travel portal, you'll have the option to apply Bilt Cash up to the allowed amount; the remainder will be paid with a credit card (any card). * Blacklane rides booked within Bilt will earn 1x Bilt points on any part paid with a credit card (any card). * Bilt points can be redeemed to book Blacklane rides. Redemption rate is .7 cents per point, so not really interesting. Its verdict. The other interesting news here is the 1x Bilt points earning when booking within the Bilt Travel system, so that's an added bonus for any Blacklane bookings. Doctor of Credit don't yet know if these purchases run through Blacklane's payment system or they get billed as Bilt. If it runs through Blacklane, then this would make for a nice new stack with the Citi Strata Elite credit: 1) book via Bilt Travel to earn 1x points, 2) apply some Bilt Cash if you'd like, 3) pay the balance with Strata Elite to get that $100 credit. A few other notes: * You can also book out into the future which is useful for end of year bookings when Bilt Cash expires (Bilt Cash expires on December 31st of each year other $100 which rolls over). In December, you can book out a Blacklane for the following year and use up some Bilt Cash that way. * You won't be able to use Blacklane promo codes when booking Blacklane on Bilt * See this comment on VFTW about how the charge codes on the credit card; not yet clear if it'll stack with the Strata Elite credit.

PaySpace Magazine
Aug 20th, 2026
Fintech unicorn Bilt partners with Equinox on rewards.

Fintech unicorn Bilt partners with Equinox on rewards. Aug 20, 2026 at 10:47 am Bilt, a rewards platform for renters, and luxury gym chain Equinox have launched a joint membership benefit that lets Bilt members earn points toward Equinox classes and spa services. Bilt is an American firm that provides tenants with the opportunity to earn bonus points by simply paying rent - a service that most reward programs do not cover. Points earned from payments (called Bilt Points) are redeemable in the travel, dining, and lifestyle markets. Bilt was established in 2021 and already partners with landlords from over seven million properties in the US, while also becoming one of the most financed fintech startups in the country. Among the ten most valuable and best-funded US fintech unicorns tracked in Forbes' 2026 Fintech 50 list, Bilt is a membership and loyalty program for renters that allows members to earn rewards on rent and homeowner association payments. Its valuation exceeded $10,7B in 2025 after a $250M funding round. A new partner of the firm is Equinox, which is a luxury gym and spa chain that was established in 1991 and is available in various major cities around the world, such as New York, Los Angeles, and London. The new partnership, called "Bilt for the Committed," connects the two companies' membership systems. Thanks to a new feature on the Bilt app called Bilt Neighborhood Concierge, members are now able to redeem their Bilt Cash for credits on personal training sessions, spa treatments, and Pilates classes at Equinox. They can also browse all Equinox classes and book their appointments through the app without ever having to leave it. New Equinox members joining the club through the Bilt app will get three offers to enjoy as new members: 10,000 Bilt Points, one personal training session at no cost, and a 50-minute spa treatment at no cost. For a limited time, members who check in at an Equinox club during the campaign are entered into a drawing for one month of free rent and one month of covered Equinox membership dues. Ten additional winners will receive a free spa service or training session. "Equinox has long defined health and wellness as a cornerstone of how people live, perform, and thrive," said Harvey Spevak, Executive Chairman and Managing Partner, Equinox Group. "Through our partnership with Bilt, we're creating new pathways for members to access the experiences and environments that support a high-performance lifestyle. It's a natural evolution at the intersection of luxury living and performance." "The home is the center of how people live and some of the best neighborhoods have always had an Equinox at the heart of them," commented Ankur Jain, Founder and CEO, Bilt. "This partnership is about making world-class wellness a natural part of the connected neighborhood life Bilt is building. Now with Equinox, our members have seamless access to premium fitness and wellness experiences right where they live." The deal is another example of a rewards company extending beyond payments into physical, subscription-based services and turning routine transactions like rent into access to non-financial products. By adopting fintech solutions, gyms can also improve operational efficiency, enhance member satisfaction, and ensure robust financial management. Nina bobro. 2151 Posts Nina is passionate about financial technologies and environmental issues, reporting on the industry news and the most exciting projects that build their offerings around the intersection of fintech and sustainability.

CardGuru
Aug 20th, 2026
Bilt partners with Equinox: Use Bilt Cash for spa services, classes, or personal training.

Bilt partners with Equinox: Use Bilt Cash for spa services, classes, or personal training. Bilt Rewards has announced a new partnership with Equinox, allowing members to use Bilt Cash for fitness services. This expands Bilt's redemption options. CardGuru Team about 3 hours ago The news. Yesterday, Bilt Rewards officially announced a new partnership with Equinox, a prominent nationwide gym chain known for its comprehensive fitness offerings. This collaboration enables Bilt Rewards members to utilize their accumulated Bilt Cash for various services provided by Equinox, including spa treatments, fitness classes, and personal training sessions. Equinox operates high-end fitness clubs across the United States, offering premium facilities and expert-led programs. The partnership introduces a new redemption avenue for Bilt Rewards members, expanding beyond traditional travel and rent payment options. While specific details regarding redemption rates were not immediately disclosed in the announcement, Bilt Cash is typically a flexible redemption currency within the Bilt ecosystem. This move also builds on existing financial ties between Equinox and the credit card industry, as the American Express Platinum Card(R) currently offers up to $300 in statement credits annually for Equinox+ memberships, demonstrating a precedent for financial partnerships within the premium fitness sector. CardGuru's take. This partnership, while specific to the US market, highlights a growing trend in loyalty programs: diversifying redemption options beyond traditional travel and cashback. For Indian credit card users, this signals the potential for similar innovative partnerships between Indian banks/card issuers and lifestyle brands, including premium fitness or wellness chains. As the Indian credit card market matures and consumer preferences evolve, CardGuru could see programs offering points redemption for unique experiences and services. CardGuru advises Indian cardholders to critically evaluate their existing credit card loyalty programs. Look for cards that not only offer good earn rates on your primary spending categories but also provide flexible redemption options that align with your lifestyle. While a direct partnership like Bilt-Equinox isn't yet available in India, understanding such global trends can help anticipate future developments in the domestic market. Consider whether your current card rewards can be used for experiences, wellness, or unique lifestyle benefits, or if they are primarily limited to travel or shopping. Proactively researching new card offerings that emphasize diverse redemption portfolios can ensure you maximize the value from your credit card rewards in a way that truly enhances your daily life, mirroring the kind of value proposition seen in this new Bilt-Equinox collaboration. Original source Find the perfect credit card. Use its smart tools to discover cards that match your spending habits.

CardGuru
Aug 6th, 2026
Pay rent w/ Bilt & earn 3X Avios!

Pay rent w/ Bilt & earn 3X Avios! Bilt and Qatar Airways partner to offer 3X Avios on rent paid via Bilt app with a Qatar credit card, expanding rent reward options. CardGuru Team about 1 hour ago # pay rent w/ Bilt & earn 3X Avios! Yesterday, Bilt and Qatar Airways announced a new partnership enabling users to earn 3 Avios per dollar spent on rent payments. This new earning opportunity is available when rent is paid through the Bilt app using a Qatar credit card. The initiative expands Bilt's existing ecosystem for rent payment rewards, which already includes transfer options to loyalty programs such as Atmos Rewards, United MileagePlus, and Air France/KLM Flying Blue. CardGuru's take. This development highlights a growing global trend where non-traditional expenses like rent are being integrated into loyalty programs, offering significant reward potential. For Indian credit card users, while Bilt is primarily a US-based program, the partnership with Qatar Airways is noteworthy. Avios, the loyalty currency of Qatar Airways (part of IAG Loyalty), is highly valuable for international travel, especially given Qatar Airways' strong network connecting India to various global destinations. Indian cardholders should closely observe how domestic banks and financial institutions might follow suit by offering similar reward structures for rent payments or expanding partnerships with international airlines. For those Indian users who may have access to US financial products or frequently travel internationally with Qatar Airways, understanding such global earning opportunities can be highly beneficial for maximizing travel rewards. Always consider the transfer ratios and redemption value when evaluating such programs. It's crucial to note that Bilt is a US program, meaning direct participation for most Indian credit card users is not feasible at this time. Additionally, the specific mention of using a "Qatar credit card" for this offer suggests a particular requirement, and users eligible for Bilt's program should verify the exact terms and conditions to ensure they meet all criteria for earning the stated Avios. Original source Find the perfect credit card. Use its smart tools to discover cards that match your spending habits.

CardGuru
Jul 28th, 2026
Bilt now lets you add teens as authorized users, including full spending controls.

Bilt now lets you add teens as authorized users, including full spending controls. Bilt introduces a new feature allowing members to add authorized users as young as 13, with customizable spending controls via the app. CardGuru Team 32 minutes ago SECTION 1, THE NEWS Bilt has announced a new feature that enhances the utility of its credit cards for households, allowing members to add authorized users starting from the age of 13. This update includes comprehensive, customizable spending controls for each authorized user, which can be managed directly through the Bilt app. This development aims to provide greater flexibility and oversight for families regarding credit card usage. CardGuru's take. This move by Bilt is particularly noteworthy for the Indian credit card market, as it addresses a growing demand for financial literacy and controlled spending among younger demographics. While Bilt is not directly available in India, such features often influence product development in other regions. Indian banks and card issuers could consider similar functionalities to cater to parents looking to introduce their teenagers to responsible credit management. For Indian credit card users, this highlights an important trend. Parents who wish to instill financial discipline in their children could benefit immensely from such controlled authorized user options. It offers a practical way to teach budgeting and the mechanics of credit in a supervised environment, minimizing the risks associated with unrestricted card access. CardGuru recommends that Indian cardholders advocate for similar features from their existing banks or when choosing new credit products. This innovation could be a game-changer for family finance management, offering a blend of convenience and control. However, users should always ensure they understand the terms and conditions, especially regarding liability for spending by authorized users, even with controls in place. Original source Find the perfect credit card. Use its smart tools to discover cards that match your spending habits.

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