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Bank points guides

BANK POINTS GUIDE

Bilt Rewards

Compare airline rewards programs, explore business-class prices, and plan your Bilt points transfers.

Explore with BiltCompare My Points

Find better flights with your points

BUSINESS CLASS · RESEARCHED EXAMPLEChicagoMadridBook through Iberia Club (Avios)40k points + $170Low Price Explore this route ↗

Know your points

Bilt points at a glance

Best value in our researched routes

4.3¢

per bank point

$4,300

per 100k points

See the route

Estimated flight value after fees, not cash value. Prices and availability vary.

Transfer ratio

The modeled airline rewards programs transfer at 1:1 before promotions.

Transfer increments

1,000-point increments. Minimum: 2,000 for Blue status; 1,000 for Silver, Gold and Platinum.

Timing of Transfers

Most transfers are quick; allow up to 48 hours. Partner-specific exceptions can take longer.

Confirm the live transfer quote and account terms.

Choose your earning tools

Best Transfer Cards

Bilt membership can earn transferable points without a Bilt card. The Palladium card adds a points welcome bonus and earning benefits.

Credit card disclosure: We may receive cash, points or other rewards if you apply for a credit card through links on this site and meet the referral or affiliate offer requirements. Disclosure details

Bilt Palladium Card card

Personal · Allows point transfers to airlines

Bilt Palladium Card

  • Earn up to 1.25 points per dollar on mortgage/rent payments.

50,000 welcome bonus points

Spend $4,000 on purchases in the first 3 months.

Welcome bonus last confirmed Oct 17, 2026

View referral offer & terms

Referral offers may differ from the public bonus shown. Confirm the bonus and terms on the linked page.

The Palladium card is issued by Column N.A. and serviced by Cardless.

Bring your balances together

Combine points without confusing the rules

Combining Your Own Cards

  • Connect eligible Bilt earning activity to your Bilt membership.
  • Bilt Points and Bilt Cash are separate balances with different uses.
  • There is no general card-to-card pooling step like moving a Chase balance.

Combining Family Points

  • Do not assume existing Bilt Points can be gifted or pooled between members.
  • Authorized-user earning allocation is separate from moving an existing points balance.

Authorized Users

  • Current Bilt cards support authorized users under card-specific terms.
  • The primary cardholder can select how authorized-user point earnings are allocated.
  • Airline transfers must go to an account in the transferring Bilt member’s own name.

Your airline rewards programs

Airline Rewards Programs

  • Shown first: selected airline rewards programs for comparison, including those used in the examples.
  • The ratio shows Bilt points transferred : airline currency received.
  • Choose by route, seats and total cost.
Airline rewards programTransfer ratioSearch focus
Air France–KLM Flying Blue1:1Explore Air France, KLM and eligible partner awards.
Iberia Club1:1Check Spain and other eligible Avios awards; compare fees.
Atmos Rewards (Alaska/Hawaiian)1:1Compare eligible partner awards, including long-haul business class.
Air Canada Aeroplan1:1Compare eligible Star Alliance and other partner itineraries.
United MileagePlus1:1Compare United and eligible Star Alliance itineraries.
Turkish Airlines Miles&Smiles1:1Compare available Turkish and eligible Star Alliance awards.
Additional airline rewards programs
Airline rewards programTransfer ratioSearch focus
Etihad Guest1:1Check Etihad and eligible partner itineraries and booking rules.
Virgin Atlantic Flying Club1:1Check eligible Virgin Atlantic and partner flights; cash charges can vary.
British Airways Club1:1Compare eligible Avios awards alongside cash charges.
Cathay Pacific Asia Miles1:1Compare Cathay Pacific and eligible oneworld partner awards.
Avianca LifeMiles1:1Compare available Star Alliance awards and the complete fees.
Emirates Skywards1:1Compare Skywards prices and carrier charges together.
Qatar Airways Privilege Club1:1Check Qatar Airways and eligible oneworld awards.

Blue status affects the transfer minimum. Confirm the available amount and recipient account before moving points.

Airline rewards program vs. operating airline

  • An airline rewards program issues the award ticket; a different airline may operate the flight.
  • A seat offered by one airline rewards program may be unavailable through another.
  • Our table covers modeled partners; the bank’s full partner list may include other programs.
Explore Destination Guides

Business-class examples

What might your points book?

  • Prices use the airline rewards program’s points. Bank points needed depend on the transfer ratio.
  • Cash fees are additional. Prices are researched examples, not live availability.

Low Price: the lowest researched price, sometimes available on only a few dates. Broader Availability: The upper end of the typical award price range. Flights on most dates were available between the Low Price and this amount. Actual prices and availability vary by date. About our research

Understand the value

Transfer or use Bilt Travel?

Transfer to an airline rewards program

  • Find available award seats first.
  • Compare miles, cash charges, connections and ticket rules.
  • Transfers are final; allow time for points to arrive.

Use Bilt’s Travel Portal

  • The portal can show direct points redemptions and some transfer-partner award options.
  • Check which booking method is being quoted.
  • Compare the actual fare, points, cash charges and ticket rules.

Example value of transferred points

Chicago → Madrid · Business Class · One way

Book through Iberia Club (Avios)

Estimated purchase price

$1,800

Chicago to MadridCountry borders from Natural Earth. The line illustrates the city pair, not an actual flight path or confirmation of nonstop service.ChicagoMadrid

Transfer Bilt Points to Iberia Club (Avios)

40k points + $170

40k points = $1,630

$1,800 purchase price − $170 fees

4.1 cents per point

Use Bilt’s Travel Portal

144k points

144k points = $1,800

Assumes the same $1,800 fare in the portal

1.25 cents per point

Bilt Points used for direct flight redemptions through Bilt Travel have a published value of 1.25 cents per point.

Illustrative example. Confirm actual fares and award pricing for your dates.

Six steps

Transfer and book

  1. Find the award in the airline rewards program.
  2. Open Rewards in Bilt, then Travel Rewards and Transfer.
  3. Choose the airline rewards program and link your own account.
  4. Apply the 1,000-point increment and your status-based minimum.
  5. Review the quote and partner processing estimate.
  6. Transfer Bilt Points, then complete the award booking.

Transfer only what you need

  • Award: 75,400 miles. Existing balance: 12,000 miles.
  • Shortfall: 63,400 miles → transfer 64,000 Bilt points at 1:1.
  • After booking: 600 miles remain. Fees additional; no bonus assumed.

Example assumes 1,000-point transfer increments. Check your partner’s actual ratio and increments.

Beyond airline transfers

Other uses for Bilt points

  • Compare airline transfers with Bilt Travel, hotel transfers and eligible housing redemptions.
  • Bilt Travel flight redemptions provide 1.25 cents per point under the published portal terms.
  • Bilt Cash is not an airline points balance. Hotel and rail transfer ratios can differ from airline ratios.

Quick answers

Quick questions

Do I need a Bilt card to transfer points?

Bilt membership and earning opportunities extend beyond the cards. Your available points, status and account eligibility still govern transfers.

Is Bilt Cash the same as Bilt Points?

No. They are separate balances. Do not enter Bilt Cash as airline-transferable points.

Can I transfer to someone else’s airline account?

Bilt’s transfer terms require an account in your own name.

Can I transfer just for a bonus?

Find a suitable award first. A transfer bonus does not guarantee seats.

Does enough points mean enough seats?

No. Confirm availability for every traveler before transferring.

Put your Bilt points to work

Explore with BiltOpen the OptimizerBooking checklist
Sources & research

Program sources reviewed October 17, 2026. Your account’s terms and live quotes govern. Card details and offer terms are linked beside each card.