PointAlchemy Free Tools
Bilt Cash Value Calculator
$300 of Bilt Cash isn't worth $300 of actual value — it depends on how you'll really redeem it. This tool models every 2026 Bilt Cash redemption, applies your card tier + status tier, and gives you the realistic annual value. Unused Bilt Cash above $100 expires December 31 each year.
Free for everyone.Sign in (also free) to save your valuation — we reuse it when calculating whether your Bilt card's annual fee is justified and in your year-end portfolio review.
~4% of your everyday non-housing spend, plus $50/25K-points milestones
Caps how much Bilt Cash can be rescued via the housing-payment conversion
Pulled from PointAlchemy's Bilt valuation (1.35¢ / 2.48¢ / 3.69¢). Sign in to save this valuation — it carries into your card's annual-fee-worth-it review and your year-end portfolio summary.
Redemption Ladders — How will you actually use it?
Travel
Hotel Booking Credit
$50/mo capBilt Cash toward Bilt Travel Portal hotel bookings. Can stack with Bilt Points, annual hotel credits, and cash at checkout.
2-night minimum stay required. Value depends on whether you'd have booked the hotel anyway.
Blacklane Black-Car Service
$50/yr capAnnual black-car service credit. Cap varies by status tier.
Annual cap, not monthly. Most useful for premium travelers.
BLADE Airport Flights
$700/yr cap$350/seat × 2 bookings per year = up to $700/yr toward premium helicopter and short-haul flights.
Only useful if BLADE serves your routes (NYC, Hamptons, select airports).
Dining & Food
Grubhub Credit
$10/mo cap$10/month delivered as a digital Grubhub gift card. Stacks with Amex Gold $10/mo Grubhub credit.
Digital gift card valid 30 days from redemption — don't redeem late in the month if you won't use it.
Bilt Home Delivery
$5/mo cap$5/month toward Bilt Home Delivery, fulfilled by Gopuff.
Bilt Dining Partner Credit
$25/mo cap$25/month at select Bilt Dining partner restaurants (one visit per month via Bilt Mobile Checkout).
Bilt Dining Experience
$50/mo cap$50/month toward exclusive Bilt Dining Experience events.
Transit
Lyft Credit
$10/mo cap$10/month Lyft Pass credit auto-applied to your next ride.
Redeemed Lyft credit expires at the end of the calendar month in which it was redeemed.
Neighborhood Parking
$5/mo capParticipating parking locations.
Wellness
Fitness Class Credit
$40/mo cap$40/month toward one class at Barry's, SoulCycle, or other Bilt fitness partners.
Lifestyle
Walgreens Credit
$10/mo cap$10/month delivered as a digital Walgreens gift card.
Digital gift card valid 30 days from redemption.
Bilt Comedy Experience
$50/mo cap$50/month toward Bilt Comedy Experience bookings.
Bilt Collection
$10/mo cap$10/month toward the Bilt Collection (home goods + design products).
Based on how you say you'll really use it
Realistic annual value
$496/yr
≈ 83¢ realized per $1 of Bilt Cash earned
Housing payment rescue active
$600 Bilt Cash → 20,000 Bilt Points (worth ≈ $496 at your cpp)
Effective rate: 83¢ per $1 — this is a rescue floor, not a strategy.