Best Uses of Bilt Cash For My Situation

After a confusing rollout of Bilt 2.0, I bit the bullet and applied for the Bilt Palladium card. In a nutshell:

50,000 bonus points, $300 in Bilt Cash + Gold Status after spending $4000 in first 3 months
$200 in Bilt Cash annually
2X points plus 4% Bilt Cash on everyday spend
$400 Bilt Hotel credit ($200 twice/year), 2-night minimum
$495 annual fee

Yesterday, Bilt announced details of how you can spend Bilt Cash (new currency that comes with the new Bilt 2.0 credit cards). Admittedly, I’m a bit disappointed.

Bilt Cash Details

You can read the entire announcement here.

Dining and Groceries

$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 (Free delivery and discounted groceries)

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

Cardholder Exclusive Bonus Points

Cardholder exclusive bonuses are available when card earning is set to 4% back in Bilt Cash on everyday spend.

Point accelerator on everyday spend²

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
Obsidian earnings when enabled: 4X dining or grocery³, 3X travel, 2X everyday spend
Palladium earnings when enabled: 3X everyday spend

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

Travel and Transportation

Up to $1,200 hotel credit / 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

Unlock higher transfer bonuses

Use Bilt Cash to upgrade your Rent Day transfer bonus to the next status tier; Platinum members receive an additional boost; example: Gold member can upgrade from 75% to 100% for $75 Bilt Cash; pricing and availability subject to change

$120 Lyft rideshare credits / 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 / 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 / year

Palladium-only; cover up to two guest fees per month; $32 per guest; up to $64 statement credit per month

$60 toward parking / year

Redeem $5 per month at participating Bilt Neighborhood Parking locations; Available 3/1/26

Health and Wellness

$480 fitness class credit / 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 / 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

Why I’m Disappointed

This is like the ultimate coupon book, with some category caps at $5/month. What a pain!

Many of the spending categories are hard to use where I live (especially Blade). While Blade does fly out of DFW, I can only find private charter flights for $12k. But my biggest disappointment is using Bilt Cash for hotel credits, which is capped at $100/month for Gold Status with a minimum 2-night stay.

For me, the best uses of Bilt Cash appear to be:

Using Bilt Cash to unlock a higher Rent Day transfer bonus (but that will depend on the transfer)
Stacking the card’s $200 hotel credit with a monthly $100 Bilt Cash redemption for a $300 hotel credit for a 2-night stay (hopefully we can stack these???)
Using $200 Bilt Cash as a point accelerator for 3X on every day spend (up to $5000)

Readers, what do you think of these Bilt Cash options?