Since January 2026, Bilt has offered “Bilt Cash” — a way to pay for a one-level tier upgrade on your Rent Day transfer bonus. But is it actually a good deal? The answer depends on three things: how many points you’re transferring, the face value of the Bilt Cash, and how much the partner’s miles are worth.
When you purchase Bilt Cash for a given month’s promotion, your transfer bonus is upgraded by one tier level. If you’re Blue, you get the Silver bonus. Silver gets Gold. Gold gets Platinum. And Platinum members get a special “Super Bonus” rate that exceeds the normal Platinum bonus.
The cost varies by month. For example, March 2026’s JAL promotion priced Bilt Cash at $135, while February 2026’s Accor promotion was $75.
Here’s the crucial insight: the “real” cost of Bilt Cash isn’t necessarily its face value. Bilt Cash is purchased with Bilt points or through other mechanisms where the effective value is roughly 35¢ per dollar of face value. So $135 of Bilt Cash costs approximately $47 in real value, and $75 costs about $26.
Bilt Cash becomes worth it when the extra miles you receive from the tier upgrade are worth more than the effective cost. Here’s a practical example:
In this case, Bilt Cash is clearly worth it. You’re spending ~$47 in real value to get $175 worth of extra miles.
Bilt Cash tends to be a poor deal when you’re transferring a small number of points. If you only transfer 5,000 points in the same scenario, you’d get just 1,250 extra miles worth ~$17.50 — not worth the ~$47 cost.
Every promotion has a break-even transfer amount — the minimum number of points you need to transfer for Bilt Cash to be worth it. Our Bilt Transfer Calculator automatically calculates this for you.
As a rough rule of thumb: for most 1:1 transfer partners with standard tier bonuses, you generally need to transfer at least 15,000–25,000 points for Bilt Cash to break even.