Best Bilt Rewards Transfer Partners

Air Canada Aeroplan tops the list for most travelers — 60,000 miles one-way for Star Alliance business class to Europe with no fuel surcharges on Lufthansa, Swiss, and Austrian. Virgin Atlantic Flying Club is right behind for Delta One transatlantic business class at 47,500 miles. British Airways Avios excels at short-haul domestic redemptions on American Airlines — flights under 650 miles cost as little as 6,000 Avios one-way. For first class, Singapore KrisFlyer unlocks Singapore Suites (A380) at 155,000 miles one-way. United MileagePlus is reliably good for the entire Star Alliance network.

If you want Bilt's travel card, yes — with a $495 annual fee. Palladium earns 4X on hotels and 3X on flights through Bilt Travel, 4X on Lyft, up to 5X at Bilt dining partners, and 2X on everything else. Housing through Bilt can earn up to 1.25X when you choose housing-only rewards; that rate scales with non-housing spend and is not a flat 1x. There is no transaction fee on rent, mortgage, or HOA, no 5-transaction monthly minimum, and no annual cap on housing earn. You also get $200 annual Bilt Cash, a $400 Bilt Travel hotel credit, and Priority Pass. Blue ($0) and Obsidian ($95) still exist if you want a cheaper Bilt card.

Economy one-way to Europe starts at 22,000 Avios via British Airways, with Virgin Atlantic at 25,000 and Aeroplan at 32,500. Business class is best at 47,500 miles via Virgin Atlantic (Delta One) or 60,000 via Aeroplan (Star Alliance carriers). The Aeroplan option wins on fee structure — Lufthansa, Swiss, and Austrian business class booked through Aeroplan have no carrier-imposed fuel surcharges, while the same flights booked through British Airways Avios can cost $500+ in fees. First class is 155,000 miles via KrisFlyer for Singapore Suites.

You connect your bank account and rent or mortgage details in the Bilt app, then pay through Bilt each month. Bilt pays your landlord or servicer by ACH, Venmo, PayPal, or check so no card surcharge hits. Housing earn is up to 1.25X if you select housing-only rewards; the multiplier is set at the end of the billing cycle from your everyday spend relative to the housing payment. Flexible Bilt Cash is a different option that can unlock up to 1X on housing. Bilt Card 2.0 has no 5-transaction monthly minimum and no annual housing-points cap.

Bilt's partner list overlaps significantly with both Chase and Amex (Virgin Atlantic, Aeroplan, Flying Blue and British Airways are all shared) but doesn't replace either — and Singapore KrisFlyer is not among the shared partners, because Bilt does not transfer to KrisFlyer at all. Chase UR has stronger hotel coverage (Hyatt, IHG, Marriott) and better card options for travel earning (Sapphire Reserve at 3x on travel and dining). On raw partner count Bilt now leads, at 26 against Chase's 14. Amex MR reaches 20 partners — fewer than Bilt's 26 — but offers unique ones like ANA Mileage Club for Star Alliance first class. Bilt's edge is housing: points on rent, mortgage, and HOA with no transaction fee. Our ranked card pick is the Bilt Palladium Card; many renters still pair any Bilt card with a Chase Sapphire Preferred or Amex Gold for the categories Palladium does not bonus.

Virgin Atlantic for Delta One transatlantic business class regularly yields 5-7+ cpp on $2,500+ cash tickets. Aeroplan for Star Alliance business class to Europe delivers 4-5 cpp with low fees. Singapore KrisFlyer for Singapore Suites first class can exceed 7 cpp when cash prices are $7,000+. The Bilt portal floor is 1.25 cpp on travel, so virtually any premium-cabin transfer beats that. As a benchmark, target 2+ cpp for solid value and anything above 5 cpp is exceptional. The economy floor is lower — for a $200 domestic flight, sometimes the portal beats a transfer.

Compare award costs above with actual ticket prices to find your best deal.