Guide to Bilt Dining: How to earn bonus points and snag exclusive reservations
Editor's Note
Since April 2023, Bilt Rewards members have been able to earn extra Bilt Points at select restaurants. Like other dining rewards programs, Bilt Dining provides bonus rewards when you use an enrolled card to pay at participating restaurants.
Bilt also occasionally offers its members deals on exclusive dining experiences in select cities. This includes February's Bilt Rent Day promotion, which offers Valentine's Day dinner reservations at select restaurants in Boston, Los Angeles, Miami, New York, San Francisco and Washington, D.C. (More on that later.)
Here is your guide to utilizing and maximizing your earnings with Bilt Dining.
Related: The best credit cards for dining
Earn points through Bilt Dining
Bilt members can earn up to 10 points per dollar spent through Bilt Dining depending on the points multiplier indicated in the Bilt app at the time of purchase.
Bilt members can earn points on Bilt Dining purchases on any card they have linked to their Bilt Wallet. That’s right, Bilt Rewards will give you points back when you dine at Bilt Dining locations, even if you don’t pay with the Bilt Mastercard®. However, you must pay with a Visa, Mastercard or American Express card linked to your Bilt Wallet.
When you pay at any restaurant using your Bilt Mastercard, you automatically earn 3 points per dollar thanks to the bonus category on the card. And on Bilt Rent Day (the first of the month), you can double your earnings (excluding rent, up to 1,000 bonus points), which means you could get 6 points per dollar spent on dining purchases made on Rent Day. Just remember that you must use your card at least five times each statement period — paying rent each billing cycle does count toward one of the five transactions (up to 100,000 points in a calendar year)— to earn points in that cycle.
The information for the Bilt Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
As of January 2024, Bilt Dining has restaurants in Atlanta; Austin; Boston; Charlotte; Chicago; Dallas; Denver; Houston; Las Vegas; Los Angeles; Miami; Nashville; New York; Philadelphia; Phoenix; Portland, Oregon; Salt Lake City; San Antonio; San Diego; San Francisco; and Seattle. This is a significant expansion from the initial five cities at the program's launch.
To see eligible Bilt Dining restaurants, check out the “Dining” tab of the Bilt app. You can choose from Bilt’s top picks or filter by location, cuisine and price range.
You can earn an unlimited number of points through Bilt Dining. However, it may take up to seven days after dining for bonus earnings to post to your Bilt Rewards account. You also won't earn Bilt Dining bonus points if the transaction is made through a third-party marketplace or an online ordering platform.
Related: Bilt Mastercard review: Zero-fee rent payments
How to use Bilt Wallet
If you have a Bilt Mastercard, it will automatically show in the Bilt Wallet tab of your Bilt app. Members can also link other payment methods to their Bilt Rewards account through this tab. According to Bilt, the company added this functionality “as a way for Bilt Members to be able to earn more points across more categories, starting with dining.”
Now is a good time to add some cards to your Bilt Wallet because Bilt is giving members 100 points per linked card for the first three eligible cards they add to their Bilt Wallet. TPG values Bilt points at 2.2 cents each, meaning 100 points are worth $2.20.
If you share a card with others, you can add the card to multiple members’ Bilt Wallets. However, only the most recent card added will receive points on Bilt Dining.
Related: How to earn 'interest' on your points balance with Bilt Rewards
Bilt Dining exclusive reservations
Bilt occasionally includes Bilt Dining in its monthly Rent Day promotions, and February is no exception.
Bilt is offering a Rent Day promotion on exclusive Valentine's Day dinner reservations at select restaurants in six cities: Boston, New York, Miami, San Francisco, Los Angeles and Washington, D.C. Members can pay for their reservations with Bilt points or a card linked to their Bilt Wallet.
Starting at noon on Feb. 1, Bilt members can make a reservation for a party of two for either 15,000 Bilt points or $200. If you choose to book for $200, you can use any card in your Bilt Wallet to pay. Reservations are available on a first-come, first-served basis.
This isn't Bilt's first foray into dining bonuses on Rent Day. In late 2023, Bilt members earned an extra 10 points per dollar spent on purchases at Bilt Dining restaurants during the last week of November.
Related: 6 of the best ways to redeem Bilt Rewards points for maximum value
Bottom line
Bilt Rewards has much to offer, from its monthly Rent Day to live award availability powered by Point.me in the Bilt app. Even if you don’t live in any of the cities Bilt Dining currently serves, it’s promising that Bilt is allowing members to add other cards to their Bilt Wallet — especially since Bilt says it plans to “continue rolling out new ways to earn points across categories through Bilt Wallet.”
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.