Bilt Rewards Transfer Partners
All 27 Bilt Rewards transfer partners in our database — 19 airline and 7 hotel and 1 other — with the ratio and typical transfer time for each, plus what we value a point at (1.5¢).
Ranked by math · Compensation never changes the order · Methodology
Bilt points move to one of the broadest partner lists in our database, nearly all at 1:1 — World of Hyatt included. The handful of exceptions are listed under the table.
All Bilt Rewards partners
| Partner program | Type | Ratio | Transfer time |
|---|---|---|---|
| Aer Lingus AerClub | Airline | 1:1 | near-instant (up to 48h) |
| Air Canada Aeroplan | Airline | 1:1 | near-instant (up to 48h) |
| Air France-KLM Flying Blue | Airline | 1:1 | near-instant (up to 48h) |
| Atmos Rewards (Alaska + Hawaiian) | Airline | 1:1 | near-instant (up to 48h) |
| Avianca LifeMiles | Airline | 1:1 | near-instant (up to 48h) |
| British Airways Club | Airline | 1:1 | near-instant (up to 48h) |
| Cathay Pacific Asia Miles | Airline | 1:1 | near-instant (up to 48h) |
| Emirates Skywards | Airline | 1:1 | near-instant (up to 48h) |
| Etihad Guest | Airline | 1:1 | near-instant (up to 48h) |
| Iberia Plus | Airline | 1:1 | near-instant (up to 48h) |
| Japan Airlines Mileage Bank | Airline | 1:1 | near-instant (up to 48h) |
| Qatar Airways Privilege Club | Airline | 1:1 | near-instant (up to 48h) |
| Southwest Rapid Rewards | Airline | 1:1 | up to 72h |
| Spirit Free Spirit | Airline | 1:1 | near-instant |
| TAP Air Portugal Miles&Go | Airline | 1:1 | near-instant (up to 48h) |
| Turkish Airlines Miles&Smiles | Airline | 1:1 | near-instant (up to 48h) |
| United MileagePlus | Airline | 1:1 | near-instant (up to 48h) |
| Virgin Atlantic Flying Club | Airline | 1:1 | near-instant (up to 48h) |
| Virgin Red | Airline | 1:1 | near-instant (up to 48h) |
| Accor Live Limitless (ALL) | Hotel | 3:2 | near-instant |
| Hilton Honors | Hotel | 1:1 | near-instant |
| I Prefer Hotel Rewards (Preferred Hotels) | Hotel | 1:2 | near-instant |
| IHG One Rewards | Hotel | 1:1 | near-instant |
| Marriott Bonvoy | Hotel | 1:1 | near-instant |
| World of Hyatt | Hotel | 1:1 | near-instant |
| Wyndham Rewards | Hotel | 1:1 | near-instant |
| Amtrak Guest Rewards | Other | 2:1 | near-instant |
Ratio = Bilt Rewards points : partner points or miles. Partner list checked October 9, 2026.
Not 1:1: Accor Live Limitless (ALL) (3:2), I Prefer Hotel Rewards (Preferred Hotels) (1:2) and Amtrak Guest Rewards (2:1).
Cards that earn Bilt Rewards
- 1
Bilt Palladium Card
Cardless · Mastercard- Annual fee
- $495
- Overall score
- 60
- 2X points on all everyday purchases (excluding housing) + 4% Bilt Cash on everyday spend. Housing payments: Use Bilt Cash to unlock points (no transaction fee) at 1X per $30 Bilt Cash per 1000 points
- OR earn up to 1.25X via tiered system based on non-housing spend (need 100% of housing payment in non-housing spend for full 1.25X). Point accelerator: Use $200 Bilt Cash to earn +1X on next $5000 spend (up to 5X/year for max 3X everywhere)
Welcome offer: 50000 Bilt Points after $4000 spend in first 3 months + Bilt Gold Status (through end of calendar year earned plus following year) + $300 Bilt Cash upon approval
- 2
Bilt Obsidian Card
Cardless · Mastercard- Annual fee
- $95
- Overall score
- 59
- Choose 3X on dining OR grocery (grocery capped at $25K/year) + 2X travel + 1X everyday spend + 4% Bilt Cash on everyday spend (excluding housing) and up to 1X points on housing or up to 1.25X points on housing.
Welcome offer: $200 Bilt Cash when you apply and are approved.
- 3
Bilt Blue Card
Cardless · Mastercard- Annual fee
- $0
- Overall score
- 53
- 1X points on all purchases + 4% Bilt Cash on everyday spend (excluding housing) and 1X points on housing, or up to 1.25X points on rent and mortgage.
Welcome offer: $100 Bilt Cash when you apply and are approved.
Sorted by overall score. Card data checked October 9, 2026.
Canadian cards that earn Aeroplan
Air Canada’s own Aeroplan conversion page lists Bilt Rewards as a program whose points convert into Aeroplan at 1:1 (Aeroplan’s page, read October 8, 2026). Aeroplan is also the points currency of 13 Canadian credit cards, ranked on our Canadian site: best Aeroplan credit cards in Canada. Conversions are one-way and subject to the program’s own rules.
How this page is built
Partners, ratios and transfer times come from our transfer-partner table, checked against Bilt Rewards’s own partner list. Partners are listed by type and then alphabetically — this is a reference list, not a ranking. Cards are sorted by our overall score; partner (affiliate) links never change which cards appear or their order. Point value: our blended cents-per-point figure from /point-values/.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
How many transfer partners does Bilt Rewards have?
27 partner programs in our database: 19 airline and 7 hotel, plus 1 other.
Which Bilt Rewards partners transfer 1:1?
Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, Atmos Rewards (Alaska + Hawaiian), Avianca LifeMiles, British Airways Club, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Iberia Plus, Japan Airlines Mileage Bank and Qatar Airways Privilege Club and 12 more.
Which partners transfer at a different ratio?
Accor Live Limitless (ALL) (3:2), I Prefer Hotel Rewards (Preferred Hotels) (1:2) and Amtrak Guest Rewards (2:1).
Which Bilt Rewards transfers are instant or near-instant?
Listed as instant or near-instant: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, Atmos Rewards (Alaska + Hawaiian), Avianca LifeMiles, British Airways Club, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Iberia Plus, Japan Airlines Mileage Bank and Qatar Airways Privilege Club and 14 more. Times are typical, not guaranteed; never transfer until you have found the award space.
What is a Bilt Rewards point worth?
We value Bilt Rewards points at 1.5¢ each (our blended value, explained on the point values page).
Which cards earn Bilt Rewards?
In our database: Bilt Palladium Card, Bilt Obsidian Card and Bilt Blue Card.