Bilt 2.0 Rewards Calculator

Compare Housing-Only Tiers vs. Bilt Cash. Find the best Bilt card for your spending profile.

🏠 YOUR SPENDING

Monthly Spending by Category

Settings

🏆 RECOMMENDATION
RECOMMENDED EARNING PATH
Bilt Blue
Housing-Only Tiers
0 pts/mo
≈ $0/yr net value
Alternative: 0 pts/mo
+0 pts/mo ($0/yr value)
Current Housing Tier
📊 CARD COMPARISON
Metric Blue Obsidian Palladium
💡 INSIGHTS
    📊 COMPARE SCENARIOS

    Create up to 3 scenarios with different spending profiles to compare results side by side.

    📋 SIDE-BY-SIDE RESULTS
    Metric Scenario 1 Scenario 2 Scenario 3
    📈 12-MONTH PROJECTION

    Cumulative net value by card over 12 months, factoring in fees, credits, and welcome bonuses.

    Chart: projection chart.
    Best Card (Year 1)
    --
    $0
    Best Card (Year 2+)
    --
    $0
    Crossover Month
    --
    Palladium vs Obsidian
    💳

    How to Use This Calculator

    1

    Enter Your Spending

    Input your monthly housing payment (rent or mortgage) and how much you spend on dining, groceries, travel, and other everyday purchases.

    2

    Adjust Settings

    Set your point valuation (how much you think Bilt points are worth), choose the Obsidian 3x category, and toggle Year 1 vs. Year 2+ to include or exclude welcome bonuses.

    3

    Compare Cards

    Review the recommendation for the best earning path and card. The comparison table shows net annual value after fees, credits, and bonuses for Blue, Obsidian, and Palladium.

    4

    Explore Scenarios

    Use the Scenarios tab to test different spending levels side by side, and the Projector tab to see how value accumulates month by month over a full year.

    📊

    Earning Rates by Card

    Bilt Blue
    $0/yr · No fee
    1xDining 1xGrocery 1xTravel 1xOther TierHousing

    Best for: Light spenders, no-fee seekers

    Bilt Obsidian
    $95/yr · $100 hotel credit
    3xDining or Grocery* 2xTravel 1xOther TierHousing

    * Grocery 3x capped at $25,000/yr. Best for: Dining or grocery heavy spenders.

    Bilt Palladium
    $495/yr · $400 hotel credit · $200 Bilt Cash · Priority Pass
    2xAll categories TierHousing

    Best for: High spenders, travelers, lounge access seekers

    Path A — Housing-Only Tiers
    Your non-housing spend ÷ housing payment determines your housing earn rate: below 25% = 250 flat pts, 25% = 0.50x, 50% = 0.75x, 75% = 1.00x, 100%+ = 1.25x per $1 of housing.
    Path B — Bilt Cash
    Earn 4% Bilt Cash on all everyday purchases (not housing). Convert to housing points at $30 = 1,000 pts (≈ 33.3 pts per $1 of Bilt Cash). Unconverted cash stays as cash value.

    Formulas & Methods

    V

    inp.value.replace(/[^\d.]/g, '')

    Ratio

    totalSpend / housing

    Ratio

    totalSpend / housing
    📖

    Key Terms Glossary

    Housing-Only Tiers
    The system where your housing earn rate (0.50x–1.25x) is unlocked based on how much non-housing spend you put on the Bilt card relative to your monthly housing payment.
    Bilt Cash Path
    An alternative earning method: earn 4% Bilt Cash on everyday purchases, then convert that cash to housing points at the rate of $30 = 1,000 points (~33 pts per $1).
    Tier Ratio
    Your total non-housing spend divided by your monthly housing payment. E.g. $1,000 spend on a $2,000 rent = 50% ratio, unlocking the 0.75x housing tier.
    Point Valuation
    Your estimated dollar value per Bilt point. Default is 2.2¢ (Bilt's partner airline/hotel redemptions). Cash-equivalent is ~0.6¢; premium partner transfers can reach 2–3¢.
    Net Annual Value
    Annual points value + card credits (hotel, Bilt Cash) + welcome bonus − annual fee. This is the true "bottom line" comparison metric used in the card table above.
    Welcome Bonus
    A one-time reward earned in Year 1. Blue: $100 cash. Obsidian: $200 cash. Palladium: 50,000 pts + $300 cash (requires $4,000 spend in 90 days).

    Real-World Examples

    SA

    Sarah

    32-year-old marketing manager saving for her first home

    Monthly Housing Payment
    $25,000
    Dining
    24
    Groceries
    36
    Travel
    48
    Estimated total
    $24,800

    Try entering Sarah's values above to see the detailed breakdown.

    Understanding Bilt 2.0 Rewards

    What Is Bilt 2.0 Rewards?

    Bilt 2.0 Rewards is a fundamental concept that this calculator helps you understand and apply. Whether you're a beginner or experienced professional, having precise calculations at your fingertips saves time and reduces errors.

    Why It Matters

    Understanding bilt 2.0 rewards helps you make informed decisions backed by data rather than guesswork. Small miscalculations can compound into significant errors, making accurate tools essential for planning and analysis.

    How It Works

    The Bilt 2.0 Rewards Calculator applies established formulas and methodologies to your specific inputs. Results update in real-time, letting you experiment with different scenarios to find the optimal approach for your situation.

    Tips & Best Practices

    • Start with realistic values — use actual data when available rather than rough estimates for more meaningful results.
    • Compare scenarios — try different input combinations to understand how each variable affects the outcome.
    • Save your work — use the Share button to bookmark specific calculations for future reference.
    • Consult professionals — for critical decisions, use calculator results as a starting point and verify with a qualified expert.
    ❓

    Frequently Asked Questions

    Basics What is Bilt 2.0 and how do the new earning paths work?
    Bilt 2.0 replaced the old points-on-rent system with two earning paths. Housing-Only Tiers let you earn 0.50x to 1.25x on your housing payment based on how much you spend elsewhere on the card. The Bilt Cash path earns 4% cash back on everyday purchases, which you can convert to housing points at a rate of $30 = 1,000 points.
    Comparison Which Bilt card is best: Blue, Obsidian, or Palladium?
    It depends on your total spending. Blue ($0/year) is best for light spenders who want points on rent with no fee. Obsidian ($95/year) is great for moderate spenders who can leverage the 3x dining or grocery bonus. Palladium ($495/year) offers 2x on everything plus $400 in hotel credits and $200 Bilt Cash, making it worthwhile for high spenders.
    Tiers How do Housing-Only Tiers work?
    Your housing earning rate depends on your non-housing spend as a percentage of your housing payment. Below 25% you earn a flat 250 points. At 25% you unlock 0.50x, at 50% you get 0.75x, at 75% you reach 1.00x, and at 100% (spending as much on the card as your housing payment) you earn the maximum 1.25x on housing.
    Strategy Is the Bilt Cash path better than Housing-Only Tiers?
    It depends on your spending-to-housing ratio. The Bilt Cash path can be better if you have high everyday spending relative to a low housing payment, since 4% cash converts efficiently to points. For most users with typical housing costs, Housing-Only Tiers win because the per-dollar earning rate at higher tiers exceeds the Bilt Cash conversion rate.
    Limits Does the Obsidian grocery 3x bonus have a cap?
    Yes. If you choose grocery as your Obsidian 3x category, the bonus rate applies to the first $25,000 in annual grocery spending. Any grocery spending above that cap earns at the standard 1x rate. This calculator accounts for this cap in all projections.

    For informational purposes only. Not financial advice. Point valuations are estimates and vary by redemption method. Bilt Cash has expiration rules. Obsidian grocery 3x capped at $25k/year. Palladium welcome bonus requires $4k spend in 90 days. Hotel credits must be used through Bilt Travel Portal. See biltrewards.com for current terms.