Bilt Rewards Transfer Partners Guide
Turn rent payments into first class flights — no annual fee
Last updated: March 2026
14+
Airline partners
$0
Annual fee
1x (up to 100K/yr)
Rent earning
1:1 (most)
Transfer ratio
Bilt Rewards has emerged as one of the most compelling points programs in the US — primarily because it lets you earn transferable points on rent payments with no annual fee and no transaction fees. The Bilt Mastercard earns 1x on rent (up to 100,000 points/year) plus bonus categories on dining and travel.
What makes Bilt remarkable is its transfer partner list. Despite being a relatively new program (launched 2021), Bilt offers 1:1 transfers to almost every major airline loyalty program, including several exclusive partnerships. It's the only US program that transfers 1:1 to both American AAdvantage (as of 2024 partnership changes) and Turkish Miles&Smiles.
This guide covers all Bilt transfer partners, the best sweet spots, and how to maximize the value of your rent-earned points.
Airline Transfer Partners
| Program | Ratio |
|---|---|
| United MileagePlus | 1:1 |
| Air Canada Aeroplan | 1:1 |
| Turkish Miles&Smiles | 1:1 |
| Avianca LifeMiles | 1:1 |
| TAP Air Portugal Miles&Go | 1:1 |
| British Airways Avios | 1:1 |
| Iberia Avios | 1:1 |
| Cathay Asia Miles | 1:1 |
| Qatar Airways Privilege Club | 1:1 |
| Alaska Mileage Plan | 1:1 |
| JAL Mileage Bank | 1:1 |
| Air France/KLM Flying Blue | 1:1 |
| Virgin Atlantic Flying Club | 1:1 |
| Emirates Skywards | 1:1 |
| Etihad Guest | 1:1 |
| Southwest Rapid Rewards | 1:1 |
| Aer Lingus AerClub | 1:1 |
| Spirit Free Spirit | 1:1 |
Hotel Transfer Partners
| Program | Ratio |
|---|---|
| World of Hyatt | 1:1 |
| Marriott Bonvoy | 1:1 |
| IHG One Rewards | 1:1 |
| Hilton Honors | 1:1 |
| Accor Live Limitless | 3:2 |
Best Sweet Spots
US to Turkey/Europe
Turkish Miles&Smiles · 45K RT business to Europe
One of the best award charts remaining. 1:1 from Bilt.
US to Japan
ANA via Virgin Atlantic · 55K-60K OW business
Bilt transfers to Virgin Atlantic 1:1.
US to Hawaii
American AAdvantage · 22.5K OW economy
Bilt is one of the few programs transferring to AA.
US to Maldives
Emirates Skywards · 85K OW business
Bilt is the only program maintaining 1:1 to Emirates after 2026 devaluation.
Tips & Strategy
You must make at least 5 transactions per month to earn points on rent. Set up small recurring purchases (coffee, subscriptions) to hit the minimum.
Bilt's Transfer Tuesday (first Tuesday of each month) occasionally offers bonus transfers. Check the Bilt app for monthly promotions.
Bilt is the only remaining 1:1 transfer to Emirates Skywards after the March 2026 devaluations hit Amex and other programs.
Points don't expire as long as your account is open and in good standing. There's no pressure to transfer quickly.
Frequently Asked Questions
Is Bilt the only card that earns points on rent?
Bilt is the only credit card that earns transferable points on rent payments with no annual fee and no transaction fees. Other cards may code rent as a cash advance (incurring fees) or simply not earn rewards on rent payments.
Does Bilt transfer to American Airlines?
Yes, Bilt transfers 1:1 to American AAdvantage. Note that the Bilt-AA partnership changed in June 2024 — check current terms on the Bilt app.
How fast do Bilt points transfer?
Most Bilt transfers complete instantly. Some partners may take up to 24 hours. Always confirm availability before transferring.
What are the best Bilt transfer partners?
The highest-value partners are Turkish Miles&Smiles (45K RT business to Europe), Virgin Atlantic (for ANA business class), Emirates Skywards (1:1, exclusive after devaluations), and Air Canada Aeroplan. Hyatt is the best hotel partner.
Is Bilt worth it if I own my home?
Bilt offers 3x on dining, 2x on travel, and 1x everywhere else with no annual fee. The transfer partner list alone makes it a solid no-fee card even without rent earning, though the value proposition is strongest for renters.
See your Bilt Rewards in action
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