Bilt Transfer Partners: How & Where to Use Your Points

Bilt is still a relative newcomer to the world of travel rewards, but in short order, the company that set out to give travelers a way to earn transferable points for paying rent – and now, their mortgage payments – has become a points powerhouse. 

Bilt has steadily added more and more ways for members to earn and redeem points (while subtracting a few others). In the past year and change, Bilt has added a handful of new partners including: Southwest, Japan Airlines (JAL), Qatar Airways, Wyndham, Preferred Hotels & Resorts, and most recently, Amtrak. That brings Bilt’s current roster of partners to 25 and counting.

But it’s not all good news: Bilt recently announced that transfers to Hyatt will take a hit next year, moving from the current 1:1 transfer ratio down to 4:3 – matching a similar move from Chase that just went into effect Oct. 1, 2026.

Nevertheless, Bilt points remain (arguably) the most valuable of any on the market – and with a trio of new Bilt Cards and a partnership with Rakuten, they’ve never been easier to earn. But building up your balance of Bilt points is only half the battle: Redeeming them for maximum value with one of Bilt’s airline and hotel partners is where the real fun (and value) is.

Here’s everything you need to know about Bilt transfer partners and where you should (and shouldn’t) transfer your points.

A Growing List of Transfer Partners

Before we get into the “how?”, let’s cover the “who” and “where?” As in, who does Bilt partner with? And where can you transfer your points?

With 25 different transfer partners, Bilt allows you to send your points directly to more airlines, hotel chains, and now, a single railway program than almost any other transferable points program. But it’s not just quantity: You could easily make the case that Bilt points are the most valuable of any currency. 

Here are all the current options for moving your Bilt points to an airline or hotel brand – plus some pointers on some of our favorite options.

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Let’s go over some important details before we highlight the strongest Bilt airline partners.

Unlike American Express and Capital One, all of Bilt’s airline partners convert points at a 1:1 ratio. That means you can easily turn 10,000 Bilt points into 10,000 Alaska Airlines miles, 10,000 British Airways Avios, 10,000 Virgin Atlantic points, and so on.

It’s not quite as simple with Bilt’s hotel partners as transfers to Accor are at a 3:2 ratio and Hyatt will soon move to a less desirable 4:3 ratio. Bilt’s lone train partner – Amtrak – transfers at a 2:1 ratio, but that’s still pretty solid, given the high value of Amtrak points.

Exactly how many points you’ll need to transfer to any of these partners depends on whether you’ve earned status with Bilt: 

• Everyday Blue members have to transfer a minimum of 2,000 points
• Those with Bilt Silver status or higher can transfer 1,000 points

Want something simpler? Bilt also has its own travel booking platform, where you can redeem points at a rate of 1.25 cents each towards flights, hotels, rental cars, and activities. So why should you even bother with these transfer partners?

Because leveraging transfer partners is the key if you want to get maximum value out of your points. Getting 1.25 cents per point redeemed through the portal is nice … but you can save a ton of Bilt points by transferring them to an airline partner and booking flights that way instead. 

Here’s a quick example: Let’s say you want to go to Europe and this roundtrip flight from Minneapolis-St. Paul (MSP) to Paris (CDG) is the one that works best for you. Rather than pay more than $1,200, you could use just over 99,000 of your your precious Bilt points and book it through the Bilt Travel Portal.

That’s not exactly terrible … but you can do much better. 

Since Bilt partners with Virgin Red, you could instead transfer Bilt points to Virgin and book the exact same roundtrip flight for a fraction of that amount: As low as just 30,000 points and about $180 in taxes and fees. At that rate, you could book for yourself and two others for nearly the same number of points as it would cost to book just one flight through the portal!

That’s just one example, but it showcases the power of turning to transfer partners with your Bilt points.

Just keep in mind: These transfers are a one-way street. Once you send your Bilt points to one of these partners, you can’t get them back to your Bilt account. That means you’ll want to scope out award availability to ensure the flights you’re eyeing are actually bookable with miles before initiating any transfers.

The Best Bilt Transfer Partners

Let’s run through some of the best, most worthwhile Bilt transfer partners – and areas where they shine.

Japan Airlines (JAL) Mileage Bank

Japan Airlines’ Mileage Bank program isn’t just one of Bilt’s best transfer partners. It might be the best airline loyalty program, period.

Since JAL is a member of the Oneworld alliance and maintains a handful of quirky one-off partnerships, you can use Mileage Bank miles to fly to nearly every corner of the globe. I’m talking about 60,000-mile business class flights to Europe and South America, short hops on American or Alaska for as few as 12,000 miles in economy, and much more.

Let’s start with the obvious: Using JAL miles to fly to Japan. Thanks to JAL’s reasonable award chart, a one-way ticket to Japan will cost as few as 27,000 miles in economy, 40,000 miles in premium economy, or 55,000 miles in business class. 

Take this flight from Dallas-Fort Worth (DFW) to Tokyo-Haneda (HND) for example. You can book a Japan Airlines business class seat on the nearly 13-hour flight to Japan for just 55,000 miles and $353 in taxes and fees.

Your best bet at finding these cheap award rates is at the end of the calendar. But one standout feature of JAL Mileage Bank is that they offer their members tons of additional award availability at slightly higher rates – the “PLUS” awards mentioned above – meaning it’s not too hard to find one-way flights for 75,000 miles.

Or how about roundtrip business class flights to Europe on a carrier like American Airlines for just 85,000 miles? 

Like many airline mileage programs, JAL uses a distance-based award chart for partner award redemptions: The longer your flight, the more miles it will cost. But unlike virtually every other airline, it doesn’t tally each segment separately: It adds the distances together to determine the final price. 

The possibilities are practically endless with this roundtrip sweet spot – in part, because Japan Airlines has a wonky worldwide network of partner airlines. Of course, there are fellow Oneworld carriers such as American, Alaska, and British Airways. But you can also book Air France, Emirates, JetBlue, and others using JAL miles. 

OK, one more … and this might just be my favorite example of all. You can book nonstop flights from Los Angeles (LAX) to Tahiti (PPT) in lie-flat business class for 85,000 miles roundtrip and just $67 in taxes and fees.

If you’re waiting for the catch, here it is: You have to call Japan Airlines Mileage Bank to book these Air France flights. But I’d argue getting half off what you’d pay to fly this itinerary with other airlines is well worth picking up the phone. 

Read more: JAL Mileage Bank is a Goldmine for Roundtrip Partner Awards

Alaska Airlines Atmos Rewards

If JAL isn’t Bilt’s definitive “best airline partner” then the title has to go to Alaska Airlines’ Atmos Rewards instead. 

While you can obviously use Atmos Rewards points to book flights with the Seattle-based carrier itself, you can also redeem them for flights on any of Alaska’s ever-growing list of partners. From fellow Oneworld carriers like Qatar Airways and Japan Airlines to one-off partnerships with Condor and Starlux, there’s no shortage of good ways to use a stash of Atmos points. 

Here are a few of our favorites: 

• You can fly business class to Europe from the East Coast for 45,000 miles one-way on airlines like American and Aer Lingus. 

• Book short American Airlines flights, under 700 miles, for just 4,500 miles one way! Short flights on Hawaiian and Alaska cost just a little more at 5,000 miles one way. 
•  You’d need just 75,000 Alaska miles to book Starlux’s fancy business class seats between the U.S. and Taipei (TPE). Alaska miles are one of the only ways to book these luxe seats to Southeast Asia.

Alaska even allows free stopovers on one-way award tickets which means you can see two destinations for the price of one. And best of all, Alaska allows free cancellations on award tickets, aside from the $20 partner booking fee, which is non-refundable. 

Virgin Red

While Virgin Red might not sound familiar, it’s the overarching loyalty program of Virgin Atlantic, Virgin Hotels, Virgin Voyages, and more. And while many other transferrable points can be moved to Virgin Atlantic, Bilt points can easily be used with any of the Virgin brands.

Even so, when it comes to using Virgin Red points, we’re most likely to lean on Virgin Atlantic Flying Club. Being able to redeem Bilt points through Virgin Atlantic makes Virgin Red one of our absolute favorite Bilt transfer partners and another great option for transferring your points.

For starters, you can book Delta flights through Virgin Atlantic for far fewer points than Delta itself is charging in SkyMiles. When Delta is charging sky-high SkyMiles rates, you might be able to snag the same seat by transferring just 60,000 Bilt points to Virgin.

This means Virgin points can still be a great way to save miles when flying Delta whether you’re hoping to stay close to home, heading to Europe, or flying out to Hawaii or even Asia. 

After moving to dynamic award pricing last fall, you can also score discounted awards flying Virgin itself from North America to the U.K. Best of all, they also moved the once-exorbitant taxes and fees to a dynamic price – the lower the award cost, the lower the fees. 

For example, Virgin economy awards can be had for as few as 6,000 points one-way (or less if you get in on one of Virgin’s sales) and $164 in taxes and fees. While the taxes and fees are higher than those on most other carriers’ economy-class awards, you can’t beat that low redemption cost! 

If you’re looking for a seat at the front of the plane, premium economy awards start at just 10,500 points each way, while Virgin’s business class seats can be booked for as few as 29,000 points each way … but beware of the nearly $700 in taxes and fees on these lie-flat bookings.

The power of transferring points to Virgin goes beyond Delta and Virgin, though. It’s also a stellar way to book flights to Europe with Air France or KLM for as low as 12,500 points each way. In theory, you can even book ANA business or first class to Tokyo via Virgin Atlantic at rock-bottom prices, but finding availability is next to impossible these days.

Like most of the best options on this list, Bilt points transfer to Virgin on a 1:1 basis, which means 6,000 Bilt points will get you 6,000 Virgin Atlantic points – enough to book one of these economy fares to London-Heathrow (LHR).

Iberia

Keep Iberia in mind if you’re looking to get to Europe comfortably. The Spanish flag carrier offers one of the cheapest ways to get to Europe in business class using miles.

For as low as just 40,500 Avios each way, you can book Iberia business class to and from Madrid (MAD). That’s less than some airlines charge for a one-way ride in economy, making this one of the best deals in the world of points and miles and a stellar option to transfer your Bilt points.

If business class isn’t a necessity for you, Iberia also offers flights to Spain in economy for half the cost: as low as just 16,000 miles each way, or 32,000 miles for a roundtrip to Madrid.

Air France/KLM Flying Blue

Air France and KLM’s Flying Blue program can be worth a hard look, especially if you’re catching a big discount on one of the monthly Flying Blue Promo Rewards tickets to Europe.

Flying Blue regularly slashes economy, premium economy, or business class award tickets on select routes between the U.S. and Europe by as much as 50%. No matter which cabin you’re hoping to fly in with your Bilt points, those monthly deals can lead to gems like this uber-cheap one-way flight from Seattle (SEA) to Paris-Charles de Gaulle (CDG).

But even without those discounts, Air France and KLM’s mileage program can be worthwhile. Even after the program devalued its points earlier this year, Flying Blue still offers some of the lowest rates and relatively solid availability to actually book these flights with your miles … at least in economy.

Whether you want to get to Paris-Charles de Gaulle (CDG), Amsterdam (AMS), or connect almost anywhere else in Europe, you can book business class seats for just 60,000 miles each way. However, these 60,000-mile “Business Light” fares no longer include lounge access, seat selection, and don’t allow changes or cancellations, period.

If those perks are important to you, you’ll need to pay up for a “Business Standard” fare, priced at 75,000 miles each way, instead.

Like our other top contenders, Bilt points typically transfer to Air France/KLM at a 1:1 ratio – but in the past, we’ve seen transfer bonuses to Flying Blue as high as 150% thanks to Bilt’s monthly Rent Day promotion. If you happen to catch a big bonus like that, a case could even be made for speculatively transferring your points.

Read more: The Best Ways to Use Air France/KLM Flying Blue

British Airways

Fancy a trip to Hawaii or the Caribbean? Or maybe you want to fly the world’s best business class all the way to the Middle East? British Airways Avios has got you covered.

British Airways is a stellar Bilt transfer partner. Consider this:

• Even after a recent price hike, British Airways is still one of the better ways to get to Hawaii. Nonstop flights on American Airlines (or Alaska Airlines) from several West Coast cities to all four major Hawaiian islands and back will cost you just 40,000 Avios.
• Start from the East Coast instead and you can make it to many Caribbean islands for 24,000 to 32,000 Avios roundtrip, again flying on American Airlines.
• Book your own Qatar Airways Qsuite from many U.S. cities to Doha (DOH) for just 70,000 Avios!

Since Avios is the same currency used by British Airways, Iberia, Aer Lingus, Qatar, and Finnair, you can even move your Avios between all these programs. This means you’ll get the first crack at booking Qatar Qsuites, save hundreds in fees for a nonstop flight to Ireland, and potentially save a ton of points if there are any transfer bonuses to any airline that uses Avios.

Hyatt

Even with the reduced transfer ratio coming in 2027 and the hotel chain’s own devaluation earlier this year, Hyatt is still Bilt’s best hotel transfer partner.

We analyzed nearly 400,000 award nights at 1,200-plus Hyatt properties worldwide, and found that while prices at top-end properties have mostly gone up in recent months – in some cases, drastically so – there’s still lots of value to be had at lower- and mid-tier properties. 

If there’s one upside to Hyatt’s change, it’s at the entry-level Category 1 and Category 2 properties – think your Hyatt Houses, Hyatt Places, and maybe the occasional Hyatt Regency in a small or far-flung city.

• Nearly 93% of Category 1 award nights are now pricing out cheaper than prior to Hyatt’s changeover, according to our analysis
• At Category 2 properties, almost 72% of award stays are now cheaper

And that’s no small matter. A bed is a bed, and savings are savings. While Hilton and Marriott charge 30,000 points per night or more, Hyatt has always excelled with cheap-and-necessary

The savings, however, aren’t massive: We’re talking 500 points per night at the absolute most, like booking the Hyatt Place Bloomington/Normal in central Illinois for 6,000 points per night – not the previous 6,500-point rate.

Even with the new 4:3 transfer ratio that’s coming, you could still book this property for just 8,000 Bilt points per night. 

Bilt Transfer Bonuses Sweeten the Deal

You like airline miles, right? How about some free miles?

Several times a year, Bilt teams up with a specific airline or hotel program to give travelers a bonus when transferring points during a specific timeframe. Whereas most other transferable currencies run these transfer bonuses for weeks at a time, Bilt’s usually come as part of its monthly Rent Day promotion and are one-day-only deals.

With that limited timeframe comes some eye-popping bonuses, though. In the past, we’ve seen Bilt offer up to a 150% bonus to several different airline and hotel partners. Typical transfer bonuses from banks like Amex and Chase top out at 40% but are typically between 20-30%, making these transfer bonuses from Bilt extra special.

It’s easy to see why. Most recently, members with top-tier Bilt status could get up to 200% more points when transferring from Bilt points to Hilton Honors.

How to Transfer Bilt Points

After logging into the Bilt app or your account on a desktop, you’ll need to ensure that the partner you’re planning to move points to is linked to your Bilt account. If you don’t already have a loyalty account with the given partner, you can create one right from the Bilt app as well. Linking your Bilt account to your airline or hotel loyalty program also yields you an extra 100 Bilt points, so it’s not a bad idea to just go ahead and do this for all of Bilt’s partners right away.

After you find the partner that you’re looking for under the travel tab, you’ll be asked how many points you want to transfer. Blue members have to transfer at least 2,000 points, while those with Silver status or higher only need to move 1,000 points.

Bilt status is determined by the number of qualifying points you’ve earned through rent payments, the Bilt Neighborhood Dining program, or by spending on your Bilt Mastercard. You can also earn status through a spending “fast track” by linking any debit or credit card to your Bilt wallet.

The last step in the process is to simply review and confirm the accuracy of your point transfer request. If everything looks as it should, you’ll need to agree to the terms and conditions and hit “confirm transfer.”

Just beware: Once your transfer goes through, you can’t pull those points back into your Bilt account. That makes it critical to do your research and make sure sending your Bilt points to that partner is the best way to go, and that the award tickets you want to book are available using points and miles.

Most of these transfers will clear within 10 minutes or so. Every once in a while, though, they can take a little longer.

Check out the charts above to get a sense of how long it should take for most transfers to go through.

Bottom Line

It’s not quite as straightforward as using your points toward a great flight deal, but the ability to transfer Bilt points to partners opens up a whole new world of travel.

Use this guide to get started and learn how to maximize those Bilt points.