Bilt transfer partners: 27 programs and the exclusives no bank offers

Bilt points transfer to 27 programs as of October 2026, 19 airlines, 7 hotels and 1 rail program, at 1:1 everywhere except Accor at 3:2, I Prefer at 1:2 and Amtrak at 2:1, with Hyatt moving to 4:3 on January 1, 2027. That list quietly outruns every bank: more hotel partners than anyone, the only path to Alaska and Hawaiian’s combined Atmos Rewards among the big currencies, and United, Southwest, and Hyatt sitting in the same lineup. The head-to-head is in Bilt vs Chase Sapphire Preferred.

The currency comes from paying rent or a mortgage, which is what made Bilt famous, and since January 2026 from the relaunched Card 2.0 program. This guide covers the full partner table, the exclusives that justify the hype, and the transfer mechanics. The program economics live in the companion Bilt rewards guide, and the broader system in the churning guide.

The full partner list

Rail: Amtrak Guest Rewards joined on September 23, 2026 at 2:1, Bilt’s first rail partner. Transfers move in 1,000-point increments with a 1,000-point minimum, or 2,000 for Blue status members (Bilt newsroom, September 23, 2026).

The exclusives

3 names on Bilt’s list appear on no big-bank list. Atmos Rewards, the merged Alaska and Hawaiian program, is the headline: Alaska’s partner awards have carried outsized value for years, and Bilt is the transferable currency that reaches them. United comes via Bilt without a Chase relationship, and Southwest without a Freedom in sight.

JAL and Turkish at clean 1:1 round out a list that looks designed by reading churner complaints about the banks. The remaining gaps are real: no AA, no Delta, no ANA, and Aeroplan arrives carrying its June 2026 partner chart increases. No single currency covers everything, which keeps the multi-currency household strategy alive.

The hotel advantage

7 hotel programs, 5 of them at par, make Bilt the deepest hotel currency in the market. Hyatt at 1:1 without a Sapphire is the marquee item through December 31, 2026, better than the 4:3 Chase has given Sapphire Preferred and Ink Business Preferred holders since October 1, 2026. From January 1, 2027, Bilt moves Hyatt to 4:3 for every member too. Hyatt remains the value anchor of hotel redemptions even after its May 2026 move to a 5-tier chart, covered in the Hyatt chart guide. Hilton at 1:1 reads better than Amex’s 1:2 once you price Hilton awards. Marriott, IHG, and Wyndham fill the rest of the map.

For a renter earning points on housing anyway, this list means every hotel stay in their life is bookable from one balance, which no bank customer can say.

Where the value concentrates

Hyatt first, as always: mid-tier properties at par transfer remain the most reliable 2-cents-plus redemption in hotels.

Atmos partner awards carry Alaska’s tradition of sweet spots, and access through Bilt makes them reachable without flying Alaska to earn.

The Avios quartet, 4 programs in one list, covers short-haul economy worldwide with internal Avios shuffling between BA, Iberia, Qatar, and Aer Lingus.

Flying Blue and Avianca behave as they do from every bank: promos monthly from one, surcharge-free Star Alliance from the other.

Transfer mechanics

Transfers run from the Bilt app or site, mostly posting quickly, 1:1 in standard increments, one-way and final. The discipline is unchanged from every other currency on this site: confirmed award space first, transfer second, exact amounts only, dates logged in the tracker.

The earning side note that belongs here: Bilt has run frequent transfer bonuses and Rent Day promotions, monthly events that have included boosted transfers to specific partners. Those promotions move the math the same way bank bonuses do, and timing a planned transfer into one is free value.

3 redemptions, worked

Hyatt from rent. A $2,200 a month renter banks roughly 33,000 points a year through the housing engine alone. Transferred to Hyatt, that funds 2 mid-tier nights under the new chart, or 5-plus nights at Lowest-tier category 1 and 2 properties, an annual hotel budget conjured from a payment that earned nothing before Bilt existed. The booking discipline is the standard one: find the nights on Hyatt’s site, transfer exactly the cost, book the same hour.

Atmos partner award. Alaska’s program has long priced partner premium cabins aggressively, and Atmos inherited that tradition. A West Coast traveler with 60,000 to 70,000 Bilt points can reach oneworld business class across the Pacific through Atmos partner pricing that the big-bank currencies cannot touch, because none of them transfer there at all. Availability hunting is the work; the Bilt-to-Atmos pipe is the part nobody else has.

Avios shuffle. A 9,000 point transfer to British Airways books a $230 nonstop on a partner airline, and when Iberia or Qatar prices the same award cheaper, the Avios move between programs after landing. 4 Avios doors from 1 currency means the shuffle is always available, the same trick documented in the bank guides.

Bilt against the bank currencies

Stack the 4 big lists side by side and Bilt reads as the complement, not the competitor. Chase brings Hyatt plus United and the domestic pattern; Amex brings ANA, Delta, and international depth; Citi brings the AA monopoly; Capital One doubles the international alliances. Bilt overlaps most of the international names at the same 1:1, then adds Atmos and the 7-hotel spread.

The household conclusion: Bilt is the rare program that improves every portfolio without displacing anything, because its earning comes from a payment no bank card can touch fee-free. A renter running a Chase trifecta gains Hyatt redundancy and 3 exclusive doors; an Amex household gains hotels; everyone gains the monthly Rent Day promotion calendar. The cost of entry is an app and a routing change, which is why the standard advice on this site is simply: if you pay rent or a mortgage, use Bilt for it and let the points accumulate while your bank strategy runs unchanged.

Rent Day and the promotion calendar

Bilt’s promotion engine runs on a monthly rhythm the banks lack: Rent Day, the 1st of each month, has carried higher transfer bonuses to rotating partners, bonus earning on the day’s transactions, and one-off offers that have included double points and status promotions. The pattern makes planned patience unusually profitable here, because a transfer that can wait until the 1st gets a monthly chance at a 50 to 100 percent bonus that bank currencies see perhaps quarterly.

The discipline mirrors every bonus calendar: the promotion justifies timing a transfer you already planned, never a speculative one, since bonused points stranded in the wrong program devalue like any others. Check the app on the 1st, log what appeared, and let the pattern inform next month’s plan; 3 months of notes makes the rhythm legible.

A dated note on Aeroplan

Bilt’s Aeroplan door deserves a freshness flag: Air Canada raised partner award prices on June 1, 2026, with premium cabins taking the largest increases, transatlantic business moving from 70,000 to 75,000 points and first class from 100,000 to 120,000 in the affected bands. The current numbers still buy real value, especially with Aeroplan’s stopover trick intact, and the change is a working example of why this page dates its claims: partner lists hold steady for years while the programs behind them reprice without asking anyone.

The practical takeaway for Bilt holders: Aeroplan remains the Star Alliance workhorse on this list, price the award at today’s chart before transferring, and treat any pre-June bookmark or screenshot as historical.

Getting points into the system

For completeness, the 3 earning lanes feeding this partner list: the housing engine, rent or mortgage by ACH at up to 1.25x with no fee or cap; the Card 2.0 lineup earning on everyday spend with its Bilt Cash layer alongside; and the app, dining partners, and promotions, that tops up balances between Rent Days. A renter running all 3 at a $2,200 payment and ordinary card use clears 50,000-plus points a year without a single welcome bonus, and the full economics live in the program guide.

A closing comparison for scale: Amex fields 20 programs, Chase 14, Citi 21, Capital One 22, and Bilt’s 27 tops them all while charging nothing to earn its core currency. List size is a crude metric, coverage of the programs you actually redeem through is the real one, and Bilt wins enough of those comparisons, hotels above all, that the crude metric happens to point the right way.

And the standing transfer discipline, restated once because it pays here exactly as everywhere: points hold their option value only inside Bilt, where 26 doors stay open; the moment they land in one program they answer to that program’s devaluations alone, as June’s Aeroplan repricing reminded everyone holding pre-transferred balances.

To compare any of these partners across all 5 transferable currencies, use the transfer partner finder.

More transfer partner guides

• Chase transfer partners
• Amex transfer partners
• Citi transfer partners
• Capital One transfer partners
• Transfer partner finder tool
• Best award sweet spots
• Points value index

Related guides

• Aeroplan transfer partners and sweet spots
• Capital One transfer partners: all 22 programs, ratios, and the gaps that matter
• Citi transfer partners: all 21 programs and the American Airlines monopoly

FAQ

Who are the Bilt transfer partners in 2026?

19 airlines, 7 hotels and Amtrak as of October 2026, at 1:1 everywhere except Accor at 3:2, I Prefer at 1:2 and Amtrak at 2:1, with Hyatt moving to 4:3 on January 1, 2027. Highlights: Atmos Rewards covering Alaska and Hawaiian, United, JetBlue, Southwest, Aeroplan, Flying Blue, Avianca, British Airways, Iberia, Aer Lingus, Qatar, Cathay, JAL, Turkish, Emirates, Etihad, TAP, Virgin Atlantic, and Virgin Red, plus Hyatt, Hilton, Marriott, IHG, Wyndham, Accor and I Prefer, and Amtrak by rail.

Is Bilt the only program with both Hyatt and Hilton?

Among the major transferable currencies, yes, and it carries Marriott, IHG, and Wyndham besides. No bank program touches more than 4 hotel partners; Bilt reaches 7, which makes it the most complete hotel currency available, all at 1:1 except Accor at 3:2 and I Prefer at 1:2, with Hyatt moving to 4:3 on January 1, 2027.

How do you earn Bilt points without a credit card?

Through the Bilt app: rent and mortgage payments routed through Bilt earn points even without a Bilt card, alongside the neighborhood dining and partner programs. The Card 2.0 lineup adds everyday earning, and housing payments themselves process by ACH with no transaction fee.

Do Bilt points expire?

Points remain active with account activity, and any earning or redeeming resets the clock. The practical advice is the same as every currency: hold points in Bilt until an award is bookable, transfer exactly what the booking needs, and keep small activity running.

What changed with Bilt in 2026?

The card program relaunched as Bilt Card 2.0 on January 14, 2026: 3 cards at $0, $95, and $495 issued by Column N.A. and serviced by Cardless rather than Wells Fargo, housing payments moved to fee-free ACH earning up to 1.25x with no cap, and a 4 percent Bilt Cash layer arrived on everyday spend. The transfer partner list carried through intact.