All The Ways I Have Been Burning My Bilt Cash

How To Use Bilt Cash

The Bilt 2.0 card launch has come and gone. It seems like there was a ton of uncertainty, confusion, and frustration left in the wake of the launch. No more so that the Bilt Cash ecosystem. This program is kind of a center piece of the Bilt card refresh, but people are not overly excited about it. Probably because most are left wondering how to actually use their Bilt Cash. I was excited to get in there and kick the tires a bit. Both myself and my wife signed up the Palladium card, which means we have a metric butt ton of Bilt Cash. Let’s see if I have been able to make any headway in paring these Bilt Cash balances down.

Options For Your Bilt Cash

Before we get in how to use Bilt Cash we should take a quick look at what you can actually use your Bilt Cash for. Here are your options as of writing:

Shopping & Dining Discounts

Here are the monthly / yearly discounts you can get on your day to day shopping and dining expenses with Bilt Cash.

• $120 GrubHub credits per year
  • $120 / year towards grocery or restaurant delivery (fulfilled via GrubHub)
  • Redeem toward restaurant and grocery delivery fulfilled by GrubHub; $10 credit each month
• $120 Walgreens credit per year
  • Redeem $10 per month toward a Walgreens credit
• $60 / year of credits for Bilt 15-minute home delivery
  • Redeem Bilt Cash toward Bilt’s ultra-fast Home Delivery orders on groceries, alcohol, and essentials, powered by Gopuff; up to $5 credit each month
• $100 / year toward Gopuff FAM (free delivery and discounted groceries)
  • Cover your Gopuff FAM membership for up to twelve months; up to $100 annually; redeemable for monthly or annual membership
• $300 / year of restaurant credit at select Bilt Dining partners
  • Use Bilt Cash toward meals at select Bilt partner restaurants via Mobile Dining Checkout; one visit per month up to $25; rollout expanding to thousands of restaurants nationwide throughout this year
• $600 / year toward dining experience bookings
  • Redeem Bilt Cash to book exclusive Bilt dining experiences; up to $50 per month

Bonus Points Earning

If you want to use your Bilt Cash to rack up some bonus points, then look no further.

• Point accelerator on everyday spend:
  • Enable +1X bonus points on all everyday spend for the next $5,000 following activation; exclusively available to Obsidian and Palladium cardholders; Cost: $200 Bilt Cash; up to 5 activations annually; expires after $5,000 spend or calendar year-end
  • Obsidian earnings when enabled: 4X dining or grocery3, 3X travel, 2X everyday spend
  • Palladium earnings when enabled: 3X everyday spend
• Unlock points on housing payments, up to 1x
  • Unlock points on monthly rent or mortgage payments with no transaction fees; every $30 Bilt Cash redeemed earns 1,000 points, up to 1X of your monthly rent or mortgage payment

Travel Discounts & Credits

These are travel cards, are they not? Here is how to use your Bilt Cash on travel discounts and credits.

• Up to $1200 hotel credit / year
  • Use Bilt Cash in the Bilt Travel Portal; two-night minimum; up to $50/month for Blue & Silver members and $100/month for Gold & Platinum members
• Unlock higher transfer bonuses
  • Use Bilt Cash to upgrade your Rent Day transfer bonus to the next status tier; Platinum members receive an additional boost; example: Gold member can upgrade from 75% to 100% for $75 Bilt Cash; pricing and availability subject to change
• $120 Lyft rideshare credits / year
  • Redeem $10 per month toward Lyft rides
• Up to $150 toward a Blacklane ride / year
  • Redeem for Blacklane rides; up to $50/year (Blue & Silver), up to $100/year (Gold), or up to $150/year (Platinum)
• Up to $700 of BLADE credit / year
  • Redeem for BLADE airport flights; up to $350 per booking; up to 2 bookings per year; Available 3/1/26
• Unlock Home Away from Home benefits
  • Blue & Silver members can unlock luxury hotel booking benefits usually reserved only for Gold and Platinum members for $95 Bilt Cash; may include benefits such as room upgrades, ~$100 hotel credits, early check-in, late checkout, and more; Available 3/1/26
• Up to $768 of Priority Pass extra guest credits / year
  • Palladium-only; cover up to two guest fees per month; $32 per guest; up to $64 statement credit per month

Lifestyle Credits & Discounts

I think of this section as kind of the catch all options for general lifestyle costs.

• $480 fitness class credit per year
  • Redeem toward one group fitness class per month in the Bilt app (including SoulCycle, Barry’s, and others); up to $40 per month
• $600 toward comedy experience bookings per year
  • Redeem up to $50 per month for exclusive Bilt comedy experiences
• $120 Bilt Collection credit per year
  • Redeem up to $10 per month toward Bilt Design Collection purchases
• $60 toward parking / year
  • Redeem $5 per month at participating Bilt Neighborhood Parking locations (supposed to come 3/1 but I haven’t seen it in there)

How I Have Been Draining Our Balances

I said on the Miles to Memories podcast that I would not be redeeming my Bilt Cash to pay my mortgage. I don’t want another cook in the kitchen for my most important daily cost you could say. Especially with them just pulling the money from my checking account. And it looks like I have been proven right on that choice so far.

No, I would rather use my Bilt Cash to offset some everyday expenses, or earn extra points in other ways. Here is how I have been doing that so far:

• $200 Bilt Cash for increased earning (x2)
  • We both redeemed $100 from our welcome offer Bilt Cash to increase our earning from 2x to 3x on the Palladium card. This gave us some bonus points while working on the minimum spend. I will likely continue to do this each time we run through the $5,000 in spend that gets the extra 1x.
• $100 Bilt Cash for hotel bookings (x2)
  • We both already paired up the $200 bi-annual hotel credit with a $100 in Bilt Cash (which you can do monthly). I waited until we earned Bilt Gold as a part of the welcome offer so we could use $100. If I had booked right away we would have only been able to use $50 in Bilt Cash with Bilt Silver.
• $10 monthly Walgreens credit (x2)
  • This one comes as a $10 gift card so we will stack up several of them and go buy some crap we need at the store. Walgreens is overpriced, so I wouldn’t value this as a true $10 every month. It is something that can offset some costs for us though.
• $10 Grubhub credit monthly (x2)
  • Like the Walgreens credit, this turns your Bilt Cash into a Grubhub gift card each month. I was able to use both of ours this month on a pick up order. I even paid the remainder with my Citi AAdvantage Executive card to use that $10 monthly credit.

That about does it, which doesn’t really maximize my cash in any meaningful way. I still have around $400 in Bilt Cash sitting there. I can’t really use the monthly hotel credit, because it requires a 2 night stay. My plan is to only use that when paired with the $200 bi-annual credit to get a decent discount on some travel. I do like that Walgreens and Grubhub comes as a gift card, which allows to roll those month to month.

It would be nice if they would actually add some restaurants to my area for a monthly credit option. If they add all Bilt Dining options into the fold then that will be a nice win. We could easily use up $600 a year between the two of us at $25 per month.

Maximizing Our Bilt Cash

That is how we have been using our cash stash. The rest of the options don’t really interest us either, outside of potentially the dining credit. Maybe we will use a $10 Lyft credit here and there once our Amex monthly Uber credits are drained. I don’t plan on it being a regular thing though.

How have you been using your stash of funny money? Let me know down below or over in the MTM Facebook Group.