Swype

Personal card · Bilt

Bilt Palladium Card

2X on everything plus points on rent & mortgage with no fee; $400 hotel credit

Annual fee
$495
Everything else
2X
Cash out
0.55¢/pt
Swype estimate
1.6¢/pt
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Bilt Palladium Card

What a point is worth

¢ per point · value of 10,000 points

  • Cash out

    Statement credit

    0.55¢$55

  • Fixed travel rate

    Bilt Travel bookings

    1¢$100

    Some outlets report 1.25¢; Swype uses the lower figure.

  • Swype estimate

    Transfers to airline and hotel partners

    1.6¢$160

Swype ranks this card at 1.6¢ per point — an estimate, not a guaranteed value.

How these numbers work

Cash out and fixed travel rates are what the program pays per point. Issuers show them in your account rather than on product pages, so Swype records the rates reported by the sources below.

Swype estimate: 80% of the lowest independent valuation, rounded down. It assumes you transfer to airline or hotel partners and book typical awards; your result can be higher or lower. Independent valuations for this currency run 2¢–2.3¢.

Bilt’s housing-payment redemption rate is reported inconsistently (0.55–1.5¢), so Swype doesn’t use it.

Checked Oct 21, 2026.

How it earns

  • 1.25X

    Up to 1.25X on rent and mortgage with no transaction fee

  • 4X

    Hotels via Bilt Travel

    Issuer travel portal only

  • 3X

    Flights via Bilt Travel

    Issuer travel portal only

  • 5X

    Up to 5X at Bilt partner restaurants

    Issuer travel portal only

  • 2X

    Everything else

Points per dollar. What a point is worth is shown above.

Transfer partners

Transfers to partners at standard ratios. Partner miles or points per 1,000 card points.

Airlines

  • Aer Lingus AerClub1,000
  • Air Canada Aeroplan1,000
  • Air France-KLM Flying Blue1,000
  • Atmos Rewards (Alaska / Hawaiian)1,000
  • Avianca LifeMiles1,000
  • British Airways Club1,000
  • Cathay Pacific Asia Miles1,000
  • Emirates Skywards1,000
  • Etihad Guest1,000
  • Iberia Club1,000
  • Japan Airlines Mileage Bank1,000
  • Qatar Airways Privilege Club1,000
  • Southwest Rapid Rewards1,000
  • TAP Miles&Go1,000
  • Turkish Airlines Miles&Smiles1,000
  • United MileagePlus1,000
  • Virgin Atlantic Flying Club / Virgin Red1,000

Hotels & rail

  • Accor Live Limitless667
  • Hilton Honors1,000
  • IHG One Rewards1,000
  • Marriott Bonvoy1,000
  • I Prefer Hotel Rewards2,000
  • World of Hyatt1,000
  • Wyndham Rewards1,000
  • Amtrak Guest Rewards500

Use these points on a trip

Travel shows flights and hotels Bilt points can book, priced in cash and in points, and whether using them beats paying.

Flights Hotels

Moving these points

Step-by-step transfer paths for the programs this card can reach.

Bilt Rewards

Bilt points transfer to ~25 partners including United, World of Hyatt, Atmos Rewards (Alaska/Hawaiian), Aeroplan, Flying Blue and Turkish — mostly 1:1.

Open Bilt

Step by step

  1. 1

    Open Rewards in the Bilt app

    Go to Rewards and choose Travel, then Transfer Points.

    Bilt appRewardsTransfer Points

  2. 2

    Link the partner account

    Pick the airline or hotel program and link your membership number.

    Select partnerLink account

  3. 3

    Transfer and book

    Enter the points, confirm, and book with the partner.

    Enter pointsConfirm

Flights

  • Bilt is the only major currency that reaches Atmos Rewards (Alaska/Hawaiian) 1:1.
  • Watch the monthly Rent Day for transfer bonuses.

Hotels

  • World of Hyatt is 1:1 (reported to move to 4:3 on January 1, 2027); IHG, Marriott and Hilton are listed at 1:1.

Watch for

  • The partner list is in the Bilt app; Swype's copy comes from a third-party list dated Oct 7, 2026.
  • Transfers are generally irreversible.

Popular partners

  • United MileagePlus
  • Air Canada Aeroplan
  • Flying Blue
  • Turkish Miles&Smiles
  • Cathay Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • JAL Mileage Bank

Secondary source — confirm in the Bilt app before transferring.

Official references