Bilt 2.0 Calculator: Compare Option 1 vs Option 2 for Your Rent
The Bilt 2.0 update introduced two distinct paths for earning points on rent: Option 1 (Tiered Points) and Option 2 (Bilt Cash Unlock). Which one earns you more? It depends entirely on your rent amount and monthly card spending.
We built a calculator to do the math for you.
Try the Bilt 2.0 Calculator
Enter your monthly rent, your spending, and your preferred point valuation. The calculator shows side-by-side results for Option 1 (Tiered) vs Option 2 (Bilt Cash Unlock) — points on housing, points on everyday spend, Bilt Cash generated, and net annual value.
Quick Recap: Option 1 vs Option 2
Option 1: Tiered Points (Simpler)
Under Option 1, your rent earns points automatically based on how much you spend on the card relative to your housing payment:
| Monthly Spend (% of Housing) | Points Earned on Rent |
|---|---|
| ≥ 25% | 0.5x |
| ≥ 50% | 0.75x |
| ≥ 75% | 1.0x |
| ≥ 100% | 1.25x |
Tradeoff: You don't earn 4% Bilt Cash on everyday spending.
Option 2: Bilt Cash Unlock (More Complex)
Under Option 2, you earn 4% Bilt Cash on eligible purchases, then use that Bilt Cash to "unlock" points on your housing payment.
- Unlock rate: $30 Bilt Cash → 1,000 points
- Break-even: To unlock full 1x on rent, you need to spend ~75% of your rent on everyday purchases
Tradeoff: Bilt Cash expires yearly (only $100 rolls over), and you must actively manage it.
When to Use Each Option
Choose Option 1 if:
- You want simplicity—no second currency to track
- Your monthly card spend is already a significant portion of your rent
- You don't want to deal with Bilt Cash expiration
Choose Option 2 if:
- You're a power optimizer who can use Bilt Cash strategically
- You plan to redeem Bilt Cash in the travel portal or for partner experiences
- You want flexibility to adjust month-by-month
The Calculator Does the Math
Scroll back up and plug in your actual numbers — the math updates live as you type.
For a deeper dive into the Bilt 2.0 mechanics, read our full analysis:
Calculator last updated: January 2026. Based on published Bilt 2.0 terms. Always verify current rates and rules in the Bilt app.
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