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You have the Bilt Blue (Bilt 2.0)
Wells Fargo · No annual fee
What you’re getting
- ✓Earn points on rent — no processing fee (unique in market)
- ✓Rent Day (1st of month): all earn rates double
- ✓No annual fee
- ✓Transfers to United, American, Alaska, Hyatt, and more
- ✓Lyft Pink membership
1x Rent (no processing fee via Bilt app)3x Dining2x Travel1x All else (must use 5+ transactions/statement)
What you’re probably missing
There's a 4x gap between your worst and best redemption
Bilt Rewards runs from 0.55¢ (Statement credit at a fixed 0.55¢ (gift cards 0.7¢ base)) to 2¢ (Transfers to Hyatt / partner sweet spots (Hyatt 1:1 confirmed post-Bilt-2.0)). Most people redeem at the bottom of that range without knowing it.
The value spread on your points
0.55¢ floor1.25¢ everyday2¢ maximized
Maximized play: Transfers to Hyatt / partner sweet spots (Hyatt 1:1 confirmed post-Bilt-2.0).
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
This is the generic version.
Sign in, tell us your home airport and where you fly, and we’ll rank cards, airlines, hotels, and award sweet spots for your routes — and value the points you already have.
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