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 a new month being around the corner, the details of the February 2026 Bilt Rent Day offer have just been revealed, 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.
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.
We’ll see if this benefit sticks around starting in March 2026, when the new cards will have been issued, since this is the last “cycle” under the old Bilt Mastercard concept.
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?
