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.

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Try the Bilt 2.0 Calculator

→ Open the Bilt 2.0 Calculator

Enter your:

• Monthly rent or mortgage payment
• Monthly spending on the Bilt card
• Your preferred point valuation

The calculator shows you side-by-side results for both options, including:

• Points earned on housing
• Points earned on everyday spend
• Bilt Cash generated (Option 2)
• Net annual value

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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.

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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

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The Calculator Does the Math

Rather than guessing, plug in your actual numbers:

→ Try the Bilt 2.0 Calculator Now

For a deeper dive into the Bilt 2.0 mechanics, read our full analysis:

• Bilt Card 2.0 Review: Is the 4% Back Worth It?
• Bilt Option 1 vs Option 2: Which Earns More?

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Calculator last updated: January 2026. Based on published Bilt 2.0 terms. Always verify current rates and rules in the Bilt app.