PointBagel Free Tools
Bilt Cash Value Calculator
$300 of Bilt Cash isn't worth $300 of actual value. It depends on how you'll really redeem it. This tool models every 2026 Bilt Cash redemption, applies your card tier + status tier, and gives you the realistic annual value. Unused Bilt Cash above $100 expires December 31 each year.
Free for everyone. Sign in (also free) to save your valuation. We reuse it when calculating whether your Bilt card's annual fee is justified and in your year-end portfolio review.
Bilt Card 2.0 makes you choose between two mutually exclusive earning modes when you activate the card. Pick the one you have selected so the math here matches reality.
Annual Bilt Cash from spend
$0/yr
Monthly earning × 12. This is the pool that answers “what is a $1 of Bilt Cash actually worth to me?” Every dollar goes one of three places: a credit below, housing conversion, or (above $100 on Dec 31) forfeited.
Everything you put on the Bilt card except rent/mortgage. Last month's statement minus housing is a fine estimate.
Used only to cap the Bilt Cash → Points conversion. Bilt caps the unlock at 1 point per $1 of that month's rent/mortgage. (You pay your housing payment normally on top of this; this field doesn't charge anything.)
Auto-filled to maximize housing points (lower of your monthly Bilt Cash and the cap). Edit to override. Max at $0/mo housing: $0/mo (= 0pts/mo). Anything above the cap can't be converted.
Pulled from PointBagel's Bilt valuation (1.4¢ / 2.5¢ / 3.7¢). Sign in to save this valuation. It carries into your card's annual-fee-worth-it review and your year-end portfolio summary.
Redemption Ladders: How will you actually use it?
Travel
Hotel Booking Credit
$50/mo capBilt Cash toward Bilt Travel Portal hotel bookings. Redeemable once per month. Blue/Silver: $50/mo cap. Gold/Platinum: $100/mo cap. Can stack with Bilt Points, annual card hotel credits, and cash at checkout.
Redeemable once per month, so up to 12 uses/yr. Most users pair this with Palladium's $400/yr hotel credit for 2 stays a year. 2-night minimum stay required per redemption. Stacks on the same booking as your annual hotel credit and Bilt Points. Verify in the Bilt Travel portal at checkout.
Blacklane Black-Car Service
$50/yr capAnnual black-car service credit. Cap varies by status tier.
Annual cap, not monthly. Most useful for premium travelers.
BLADE Airport Flights
$700/yr capNot yet available$350/seat × 2 bookings per year = up to $700/yr toward premium helicopter and short-haul flights.
Not yet available. Bilt has announced this but the partnership has not launched. Excluded from default value until live. Only useful if BLADE serves your routes (NYC, Hamptons, select airports).
Dining & Food
Grubhub Credit
$10/mo cap$10/month delivered as a digital Grubhub gift card. Stacks with Amex Gold $10/mo Grubhub credit.
Digital gift card valid 30 days from redemption. Don't redeem late in the month if you won't use it.
Bilt Home Delivery
$5/mo cap$5/month toward Bilt Home Delivery, fulfilled by Gopuff.
Bilt Dining Partner Credit
$25/mo cap$25/month at select Bilt Dining partner restaurants (one visit per month via Bilt Mobile Checkout).
Bilt Dining Experience
$50/mo cap$50/month toward exclusive Bilt Dining Experience events.
Transit
Lyft Credit
$10/mo cap$10/month Lyft Pass credit auto-applied to your next ride.
Redeemed Lyft credit expires at the end of the calendar month in which it was redeemed.
Neighborhood Parking
$5/mo capNot yet availableParticipating parking locations.
Not yet available. Bilt has announced this but the partnership has not launched. Excluded from default value until live.
Wellness
Fitness Class Credit
$40/mo cap$40/month toward one class at Barry's, SoulCycle, or other Bilt fitness partners.
Lifestyle
Walgreens Credit
$10/mo cap$10/month delivered as a digital Walgreens gift card.
Digital gift card valid 30 days from redemption.
Bilt Comedy Experience
$50/mo cap$50/month toward Bilt Comedy Experience bookings.
Bilt Collection
$10/mo cap$10/month toward the Bilt Collection (home goods + design products).
Based on how you say you'll really use it
Realistic annual value
$0/yr