Bilt 2.0 Rewards Calculator
Calculate Bilt points or cash from rent payments
The Bilt 2.0 update is coming in 2026, and the math is complicated.
We built the Bilt 2.0 Rewards Calculator to help you navigate the new "Tiered Points" vs. "Bilt Cash" systems without opening a spreadsheet.
The Problem:
With the new update, earning 1x points on rent isn't automatic anymore. It depends on your Spend-to-Rent ratio, or you might be better off earning Bilt Cash to offset transaction fees. The math involves complex percentages, spending caps, and card tiers.
The Solution:
A beautiful, free, and privacy-friendly calculator that does the heavy lifting for you.
Built by Applaire.
Features
🧮 Real-Time Math: Toggle between rent and spend sliders to see rewards update instantly.
💳 All Card Tiers: Supports Bilt Blue, Obsidian, and Palladium logic.
📊 Visual Multipliers: See exactly how close you are to the next point tier (0.5x, 0.75x, 1x, 1.25x).
💸 Bilt Cash Analysis: Auto-calculates the "Breakeven" point where your cash rewards cover the 3% transaction fee.
📱 Mobile Responsive: Works perfectly on your phone or desktop.
Use Cases
- Anyone paying rent with Bilt who wants to ensure they aren't losing value under the new system.
Sponsors
BuyComments
I’m the maker behind this Bilt 2.0 Calculator. Like many of you, when I saw the Bilt 2.0 announcement regarding the shift to "Tiered Rewards" and "Bilt Cash" options, my head started spinning. The math required to hit the 1x points tier—or deciding if cash back is actually better, is pretty complex. I realized users needed a way to visualize this before the changes hit. We built this free tool to help you answer one question: "Which option makes me the most money?" It handles the logic for: The Spend/Rent Ratio (Tiered System) The 3% Fee vs. 4% Cash Math (Bilt Cash System) Differences between Blue, Obsidian, and Palladium cards I’d love to hear your feedback on the UI and if there are any other features you'd like to see! Happy calculating! 🚀
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Comments
I’m the maker behind this Bilt 2.0 Calculator. Like many of you, when I saw the Bilt 2.0 announcement regarding the shift to "Tiered Rewards" and "Bilt Cash" options, my head started spinning. The math required to hit the 1x points tier—or deciding if cash back is actually better, is pretty complex. I realized users needed a way to visualize this before the changes hit. We built this free tool to help you answer one question: "Which option makes me the most money?" It handles the logic for: The Spend/Rent Ratio (Tiered System) The 3% Fee vs. 4% Cash Math (Bilt Cash System) Differences between Blue, Obsidian, and Palladium cards I’d love to hear your feedback on the UI and if there are any other features you'd like to see! Happy calculating! 🚀
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