Bilt Points Now Available Through Rakuten

Great news for those who love collecting Points and Miles! Bilt Rewards has teamed up with Rakuten, allowing members to earn Bilt Points simply by shopping at their favorite online retailers. By linking their accounts, rewards members can opt for Bilt Points instead of traditional cashback.

Bilt points are considered quite valuable, estimated at around 2.2 cents each as of November 2025. This collaboration might help you pay for future travels or holiday gifts, since Bilt points can be redeemed for various options, like flights, hotels, Amazon purchases, and gift cards.

For the first six months, all status tiers among Bilt members will enjoy a 1:1 conversion rate. In more straightforward terms, this means that $10 in Rakuten cashback translates to 1,000 Bilt points. Those with Blue status will earn 50 Bilt Points per dollar spent, while Silver status members and above will get 100 Bilt Points per dollar spent.

What’s more, if Bilt members sign up for Rakuten via the Bilt app and make qualifying purchases of $25 or more, they can earn 2,500 bonus Bilt Points. However, keep in mind this offer is only available to new Rakuten members.

Curious about linking your Bilt and Rakuten accounts? Read on.

How to Connect Your Rakuten and Bilt Accounts

To start earning Bilt Points, you’ll need to link your Rakuten account through the Bilt app. After that, choose “Bilt Points” as your payment method on Rakuten, and continue shopping as usual. By setting Bilt Points as the payment method for Rakuten purchases, you will accumulate Bilt Points each quarter, with the next payment scheduled for November 15th.

Just to clarify, you’ll only earn Bilt Points from Rakuten purchases if your accounts are linked and you opt for Bilt Points at checkout. There are also limited-time offers available for members who link their accounts to earn Bilt Points through Rakuten.

Once both accounts are set up, visit the Bilt website and click “Link Accounts.” You’ll need to confirm the emails tied to both accounts before proceeding.

If earning Bilt Points isn’t your thing, you can still manage your Rakuten account and select your preferred payment method. Other options include:

• “Big Fat Check”: Receive cashback benefits via email
• PayPal
• American Express Membership Rewards points

Is Linking Your Accounts Necessary?

Rakuten allows you to stack cashback rewards at countless online stores. For many points and miles collectors, opting for Amex Points instead of cashback has become an enticing choice. You earn 100 Amex Points for every dollar spent with Rakuten Cashback.

With the new partnership with Bilt, though, should you rethink your strategy?

The Points Guy currently values Amex points at around 2 cents each. So, 100 Amex points would typically equal $2. In the first six months of teaming with Bilt, members will get 100 Rakuten Cashback points for each dollar spent, meaning 100 Bilt Points are worth about $2.20 initially. After the promotional period, those in Bilt’s Blue tier will earn only 50 Bilt Points per dollar, which amounts to $1.10.

For those without a qualifying Amex card, Bilt Points might be more advantageous, especially given that they have partnerships with 22 airlines and hotel chains compared to Amex’s 20. Plus, you don’t need to hold a Bilt card to earn Rewards points, which is a nice perk.

Conclusion

In a nutshell, Bilt is making significant strides in the rewards landscape, innovating how members can earn and redeem points.

This partnership with Rakuten presents an additional way for members to garner valuable rewards without requiring a credit card. If transferable rewards are on your radar, linking your Bilt and Rakuten accounts can be a straightforward and rewarding choice.