The Best Way to Earn Bilt Points (No Bilt Credit Card Required)

Bilt has created a massive ecosystem that lets you rack up points just by going about your day. Whether you're dining at local spots or grabbing essentials, you can earn what are arguably the most valuable points in travel today — all without ever applying for a Bilt credit card.

Step 1: Join the Club (It's Free)

Sign up for Bilt Rewards. It's 100% free, there's no credit check, and it takes 30 seconds. No card application required.

Step 2: The "Set It and Forget It" Strategy — Neighborhood Benefits

Bilt has a feature called Neighborhood Benefits. All you do is link the credit cards you already use to your Bilt Wallet. Then earn points automatically when you dine at participating restaurants, shop at Walgreens, or hit fitness studios like SoulCycle or Solidcore. You're stacking extra points on top of what you already earn, without paying a penny in fees.

Step 3: The Lyft Loophole

Link your Bilt account to your Lyft app and earn 2 Bilt points for every $1 spent on rides. This stacks on top of whatever points your credit card is already giving you.

Step 4: The Ultimate Multiplier — Rakuten

Rakuten is a free shopping portal with cash back at over 3,500 stores (Nike, Sephora, Lululemon, and more). Instead of getting a check, convert your earnings into Bilt Points. Right now, through May 2026, the conversion is 1:1 — meaning $10 in Rakuten cash back equals 1,000 Bilt points.

The Bonus Move: SoFi Direct Deposit

Keep an eye out for the SoFi offer — you can often earn nearly 37,500 points just by opening a new account and setting up a $500 direct deposit. Once the points hit, you still have your $500. That's the kind of move that funds a business class upgrade.

The Best Part: You can connect your free Bilt account with Rakuten to manage your ecosystem. You don't need a specific credit card to make these two powerhouses work together.

Click here to link your Rakuten account with Bilt.

Start with a 5,000 Points

If you aren't on Rakuten yet, I have a gift for you. Use my link to sign up, and you’ll earn a 5,000-point bonus after your first purchase of $50 or more.

Click here to sign up for Rakuten and get your 5,000 points!

Why 5,000 points? In the World of Hyatt (a Bilt transfer partner), 5,000 points is a huge deal. You can find "Category 1" hotels in places like Vietnam, Germany, and South Africa for as low as 3,500 to 5,000 points a night. You’re literally getting a free night in a gorgeous hotel just for signing up and buying something you already needed.