How do you use your Bilt Cash (Jan 2026, new details announced)?

Bilt finally announced the new ways you can redeem your Bilt Cash outside of rent and it’s complicated.

*This story is developing.

How can I redeem my Bilt Cash in 2026?

On Jan 21, 2026, the Bilt team finally announced details about explicit ways Bilt Cash can be redeemed. It’s… interesting.

Dining and Grocery

• $120 / year towards grocery or restaurant delivery (fulfilled via GrubHub): Redeem toward restaurant and grocery delivery fulfilled by GrubHub; $10 credit each month; Available 3/1/26
• $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; $5 credit each month
• $100 / year toward Gopuff FAM: Cover your Gopuff FAM membership for up to twelve months; up to $100 annually; redeemable for monthly or annual membership; Available 3/1/26
• $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; Available 3/1/26

Travel and Transportation

• Up to $1,200 hotel credit per 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
• $120 Lyft rideshare credits per 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 per 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 hotel 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 per year: Palladium-only; cover up to two guest fees per month; $32 per guest; up to $64 statement credit per month
• $60 toward parking per year: Redeem $5 per month at participating Bilt Neighborhood Parking locations; Available 3/1/26

Health and Wellness

• $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
• $120 Walgreens credit per year: Redeem $10 per month toward a Walgreens credit

Other

• $600 toward comedy experience bookings per year: Redeem up to $50 per month for exclusive Bilt comedy experiences; Available 3/1/26
• $120 Bilt Design Collection credit per year: Redeem up to $10 per month toward Bilt Design Collection purchases

Cardholder Exclusive Bonus Points

• 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
• 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 (this was standard, upon offering)

What’s our take on this?

I’m not sure… it’s a bit lukewarm.

On one hand, there’s some very explicit use cases of Bilt Cash that could be very useful. For instance, I could see myself getting very good value out of the:

• Restaurant credits (up to $25/month)
• Points accelerators (cost $200 Bilt Cash, but can get effectively 5,000+ additional Bilt Points, meaning a 25 Bilt Points per $1 Bilt Cash ratio)
• Lyft rideshare credit (up to $10/month)

On the other hand, there are so many useless credits (for me at least):

• For instance, the 2 night minimum for hotel credits is incredible useless given that you can only redeem up $50-100/month depending on your Bilt status.
• GoPuff credit (up to $5/month) isn't enough to cover an order
• Priority Pass extra guest credits (up to $64/month) is completely useless because I don't guest extras...

However, what I don't like about this is that Bilt Cash redemptions look to be another coupon book game. I don't want another coupon book right now, so if I have excess Bilt Cash, I may just use it for simple redemptions like Points Accelerators.

What are the strongest Bilt Cash redemptions looking to be?

I'm zeroing in on the Points Accelerators. Why?

For $200 in Bilt Cash, you're basically going to earn an additional 5,000 points, at most (enables +1x bonus points on all everyday spend for the next $5,000 in spend).

This essentially means that you're "converting" your existing Bilt Cash into Bilt Points through additional spend. However, you have to remember that you earned that Bilt Cash through other spend methods as well, at a rate of 4% per $1 spent. So, you had to have spent $5,000 to get that $200 Bilt Cash already.

There is a significant opportunity cost with using this Points Accelerator method, since you could have spent that $200 in Bilt Cash elsewhere. If you chose to convert that into points against your rent, you'd have 6,666 points.

Final Thoughts

The new, explicit Bilt Cash redemptions finally bring some light into the murkiness of the Bilt Cash ecosystem. While there are some interesting redemptions, it will require a bit more thinking and evaluation to decide if Bilt Cash is the best redemption method out there.

Remember: you can avoid all the Bilt Cash craziness by electing to earn points via Option 1 instead.