Bilt is the platform known for providing rewards for housing payments. We’re currently seeing massive changes at Bilt, including an overhaul of the credit card portfolio, plus new ways that housing rewards are offered.
There are many innovative things about Bilt, including that there’s a Bilt Rent Day promotion on the first day of each month. With it now being a new month, the February 2026 Bilt Rent Day offer is now live, and it includes a big transfer bonus. It also includes a way to redeem Bilt Cash for a bigger transfer bonus, which gives us a sense of what we can expect more of in the future.
In this post:
Details of the February 2026 Bilt Rent Day promotion
There are a couple of aspects to the Bilt Rent Day promotion, including the ability to earn bonus points (which is the same every month), plus at least one additional promotion.
Note that Bilt Rent Day promotions are generally valid from 12:00AM ET until 11:59PM PT, so technically you have around 27 hours to take advantage of them.
Earn 2-6x Bilt points on Rent Day purchases
Ordinarily the Bilt Mastercard earns 1-3x points per dollar spent, as you earn 3x points on dining, 2x points on travel, and 1x points on all other purchases. On the first day of each month, you earn double those rewards, meaning you earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent, where you earn 1x points).
With this offer, you can earn up to 1,000 bonus points each month. Keep in mind that you need to use your Bilt Mastercard five times each statement period in order to earn these points. It could be worth strategically making some purchases on the first day of each month to maximize this as much as possible.
Get up to a 125% Accor Live Limitless transfer bonus
Accor Live Limitless (ALL) is one of Bilt’s transfer partners, and for the February 2026 Rent Day promotion, we’re seeing a transfer bonus. Exclusively on February 1, 2026, Bilt is offering a 25-125% bonus if you transfer points to Accor Live Limitless. The size of the bonus that you get depends on your Bilt elite status. Specifically:
- Bilt Blue members can receive a 25% bonus (6:5 transfer ratio)
- Bilt Silver members can receive a 50% bonus (1:1 transfer ratio)
- Bilt Gold members can receive a 75% bonus (6:7 transfer ratio)
- Bilt Platinum members can receive a 100% bonus (3:4 transfer ratio)
- Members can use $75 in Bilt Cash to upgrade their transfer bonus by one elite tier, and Platinum members can get a transfer bonus of up to 125% (a 2:3 ratio)
For context, Bilt points ordinarily transfer to Accor at a 3:2 ratio. That’s why the ratios above might be kind of confusing. For those not familiar with Accor Live Limitless, it’s a revenue based loyalty program. Every 1,000 Accor points gets you €20 (~$24) toward the cost of an Accor stay. In other words, each point is worth exactly two cents, in euro.
That means that with this promotion, Bilt Blue members can redeem their points for up to 2.0 cents (USD) toward Accor stays, while Platinum members with the extra 25% boost could redeem their points for up to 3.6 cents (USD) toward Accor stays.
That’s potentially a pretty lucrative transfer ratio, assuming you’re interested in staying at Accor properties. There’s another fun angle to this. Accor Live Limitless points can be converted into Air France-KLM Flying Blue miles at a 1:1 ratio, in increments of 2,000 points. This means this promotion could also unlock up to a 50% transfer bonus to Flying Blue, on the high end.
Bottom line
On the first day of each month, Bilt offers a Rent Day promotion. In addition to earning up to double points for purchases, for February 2026, there’s the opportunity to take advantage of an Accor Live Limitless transfer bonus. The bonus is based on your elite status, and ranges from 25-125%. On the high end, I think there’s significant value to be had here, though admittedly Accor can be a bit niche.
Are you taking advantage of the Bilt Rent Day promotion for February 2026?
What the fvck even is Bilt Cash
Would a 50% bonus on a double transfer to KLM be worthwhile?
It would work out to 1:1 to Flying Blue/KLM. Might as well just do a direct transfer to KLM.
Can you extend Accor points >12 months by moving over more credit card points in the future, or do you have to use them up by then?
Moving credit cards points does NOT extend expiration. Only EARNED points extend expiration. A stay or on-property purchase credited to your ALL account. Purchases made with an ALL partner credited to your ALL account. 12 months is a short fuse.
Fred, that's incorrect. I just tried it by moving 1k from BILT and it reset my expiration to a year from today.
This was better when I got 1:2 transfer last year. Sent 100k over and now have 200k that can be used for Accor or FB. I don't think this one is that great as there are plenty of 25-30% FB transfer bonuses elsewhere throughout the year
Xlax not true. I already have Bilt Cash in my account from credit card spend.
Good to know. I got that information from Bilt customer support. I presume that spend is on your new, Bilt 2.0, card. How long did it take for that to arrive and how long after the purchase did you receive the Bilt cash? Did you receive any Bilt cash from sign up?
Once a new card is shipped, Bilt will send the cardholder an email with a USPS tracking number. It takes about a week to be delivered. Once received, Bilt 2.0 cards can be activated on 7 February at the earliest. "Annual" Bilt Cash from the 2.0 cards will be deposited on 7 February. "Annual" hotel credits from the 2.0 cards will be deposited on 7 February.
Weak AF. Accor is mediocre at best (other than Raffles); awful experiences at nearly every Fairmont I've ever stayed at. When are we gonna see a United bonus? C'mon.
There are individual properties that stand out. For example, the Savoy in London.
So 6000 Bilt points transfer to 7000 ALL points / FB miles? A 16.7% bonus to FB.
Pretty sure that Bilt cash will not be in accounts until February 7 so no way to use it to upgrade for this month. Another fail.
1.0 cards could earn Bilt Card. With sufficient spending, a person might have enough Bilt Cash to activate the 25% transfer pop.
Feels like the back to back transfer to FB is the headline! Never would have known that - thanks for the intel.
There were 5 +20% transfer bonus to FB from Chase/Citi/Amex in 2025, so at least for the Gold, it isn't spectacular at 16.7% to FB, unless you have an immediate use or just want to clear your Bilt balance before the 2.0 switch. And Accor had a 30% transfer bonus to FB in December.
All fair. Not saying it's an amazing deal, just didn't know about this backdoor and would otherwise care less about Accor. In these wintery days it's the only transfer bonus game to FB in town.
Transfer bonuses are good and all but I prefer to keep my miles flexible until I see a redemption that I want, so I really do view them as a "nice to have" not a "need to have". But...
All fair. Not saying it's an amazing deal, just didn't know about this backdoor and would otherwise care less about Accor. In these wintery days it's the only transfer bonus game to FB in town.
Transfer bonuses are good and all but I prefer to keep my miles flexible until I see a redemption that I want, so I really do view them as a "nice to have" not a "need to have". But if I was looking to make a FB redemption today and had Bilt points, this is better than nothing.
With gold or platinum Bilt, it sounds worthwhile to move some to Accor speculatively. If you near the 12 month expiry without a use case or a good Accor -> partner transfer, you could just move your balance to FB to bank them instead of losing them.