There’s been a lot of news for Bilt Rewards<\/a><\/span> members (like me) to wrap our heads around. To put it simply, the program I’ve been using for easy rent points since 2023 no longer exists in the form I knew. But that doesn’t mean I’m abandoning Bilt Points, my favorite rewards currency on the market. In fact, I’m doing the opposite.<\/p>\n I’m going all in on Bilt in 2026. I have the premium Bilt Palladium Card<\/a><\/span> (see rates and fees<\/a><\/span>) in hand, and it will cover about 90% of my spending for the rest of the year.<\/p>\n Why do this? It’s obvious to me that Bilt Rewards has been redesigned to encourage members to engage regularly with its program. From “unlocking” points on housing with everyday spending to the long list of Bilt Cash<\/a><\/span> redemption options, there is plenty of evidence that Bilt wants people to see its program as more than just the card to earn rent points.<\/p>\n So, I’m going to dive into Bilt’s ecosystem and see what it’s all about. Here are five reasons why it makes sense for my strategy to lock in on Bilt.<\/p>\n Rent is by far my steepest monthly expense, and earning points on my rent was what drew me to Bilt nearly three years ago. My partner and I split our $1,901 in rent each month in Greenville, South Carolina.<\/p>\n When Bilt changed how rewards are earned on its cards, I had to choose between two earning structures<\/a><\/span>:<\/p>\n I can switch my earning structure month to month, and that flexibility plays a part in my strategy.<\/p>\n In the housing-only option, there are four tiers for me to land in, based on the nonhousing spending I make on the Bilt Palladium<\/a><\/span>. With my $1,901 rent as the basis, here’s how these tiers work out for me:<\/p>\n Reward your inbox with the TPG Daily newsletter<\/p>\n Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\nI’ll earn up to 1.25 points per dollar spent on rent<\/h2>\n
\n
![\"\"](\"\/images\/EmailSignUp\/daily-mob.svg\"\/)
<\/picture>\n