Bilt Rewards to Launch New Program Structure in 2027

The loyalty program will introduce a Daily Rewards initiative and limit hotel redemption frequency beginning in January 2027.

Updated on Oct. 27, 2026 in Hotels

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Would you opt out of rewards changes to keep a higher cash-back rate despite added account complexity?

Bilt Rewards is set to overhaul its credit card benefits and earning structures starting January 15, 2027. The changes include a new Daily Rewards program and stricter limits on Bilt Cash redemptions for hotel bookings.

Why it matters

These updates adjust how cardholders earn and use rewards, impacting the long-term value of the Bilt ecosystem for frequent travelers and renters. By limiting hotel redemptions to twice annually, Bilt is significantly shifting its hospitality redemption strategy.

Bilt Cash will carry a 12-month expiration period, and the card's 4% cash back rate on non-housing purchases will be subject to new opt-out requirements. Additionally, Bilt Cash redemptions for hotels are limited to two uses per year.

The players

Bilt Rewards

A loyalty program that allows renters to earn points on monthly rent payments and credit card spending.

SIXT

A global mobility service provider that will offer status matches to Bilt elite members.

Hertz

A prominent car rental company that will provide status benefits to Bilt customers.

The details

Cardholders can now upgrade or downgrade their tier without applying, though downgrades require calling customer service. Luxury hotel redemptions will expand for Gold and Platinum members through the 2,000-property Home Away from Home program.

January 1, 2027: Bilt Cash redemptions for hotels limited to twice annually.
January 15, 2027: Daily Rewards program launches for members.
2027: New status matches for SIXT and Hertz begin.

Travel Outlook

This move aligns Bilt with major hotel loyalty programs that increasingly restrict redemption frequency to manage inventory demand. By pivoting toward a tiered luxury model, the program mirrors the structural shifts seen across competitive credit card hospitality suites.

Cardholders should check their account settings to determine if they need to opt out of the 4% Bilt Cash earning change before their next anniversary. Travelers planning hotel stays should account for the new twice-annual redemption limit starting in 2027.

The takeaway

Users should review their current card benefits to decide whether to maintain the 4% Bilt Cash structure or transition to the new reward offerings. Proactive management of account settings is essential for maximizing points under the 2027 program rules.