Major Bilt Rewards Changes | October 2026

But first, for listeners new to Built, a short introduction.

BILT is a loyalty program with a credit card component.

Darren and I both have the BILT Palladium credit card.

This gives a base 2x points on spending, and the option Darren and I chose is 4% back on spending for a second currency, BILT Cash.

You're getting at least 2x points and 4% BILT Cash on all spending with the BILT Palladium credit card.

You can use built points to transfer to travel partners, airline programs including Atmos Rewards for Alaska Airlines flights that can also get you on American Airlines planes.

You can use points for hotel programs including World of Hyatt and even Amtrak as a recent partner.

You can use built cash, this secondary currency, when paying rent and mortgage payments to earn built points.

Built Cash can be used to boost your 2x spending on the Palladium card to 3x, up to $25,000 in spend per calendar year with the Point Accelerator feature.

You can also redeem Built Cash for hotel credits, dining credits, and more, and we'll cover that in today's show.

The Palladium card gave us a 50,000-point welcome bonus.

You also get $300 in Built Cash as part of the Palladium credit card welcome bonus.

and an annual $200 in Bilt Cash, which should post with card approval.

You also get Bilt Gold status with the Bilt Palladium card, which offers benefits like bonus points transfers to travel partners, bonuses for Black Lane rides paid with Bilt, cash, and much more.

More.

You get two $200 hotel credits per calendar year, January through June, July through December, that can stack with $100 hotel credits.

For America Loves Math, $300 off two night or more stays with Built.

There's also an annual fee on the Palladium card, but many of the benefits are offsetting that.

And especially in year one with the signup bonus, I think there's lots of value to be had.

We're breaking it down today.

We are, and that's how it used to be, Justin, but is that how it still is after Built announced significant changes to their platform?

Let's get into that.

But first, for listeners new to Built, a short introduction.

BILT is a loyalty program with a credit card component.

Darren and I both have the BILT Palladium credit card.

This gives a base 2x points on spending, and the option Darren and I chose is 4% back on spending for a second currency, BILT Cash.

You're getting at least 2x points and 4% BILT Cash on all spending with the BILT Palladium credit card.

You can use built points to transfer to travel partners, airline programs including Atmos Rewards for Alaska Airlines flights that can also get you on American Airlines planes.

You can use points for hotel programs including World of Hyatt and even Amtrak as a recent partner.

You can use built cash, this secondary currency, when paying rent and mortgage payments to earn built points.

Built Cash can be used to boost your 2x spending on the Palladium card to 3x, up to $25,000 in spend per calendar year with the Point Accelerator feature.

You can also redeem Built Cash for hotel credits, dining credits, and more, and we'll cover that in today's show.

The Palladium card gave us a 50,000-point welcome bonus.

You also get $300 in Built Cash as part of the Palladium credit card welcome bonus.

and an annual $200 in Bilt Cash, which should post with card approval.

You also get Bilt Gold status with the Bilt Palladium card, which offers benefits like bonus points transfers to travel partners, bonuses for Black Lane rides paid with Bilt, cash, and much more.

More.

You get two $200 hotel credits per calendar year, January through June, July through December, that can stack with $100 hotel credits.

For America Loves Math, $300 off two night or more stays with Built.

There's also an annual fee on the Palladium card, but many of the benefits are offsetting that.

And especially in year one with the signup bonus, I think there's lots of value to be had.

We're breaking it down today.

We are, and that's how it used to be, Justin, but is that how it still is after Built announced significant changes to their platform?

Let's get into that.