✈ 3 Easy Ways I’m Earning Thousands of Points Each Month With Bilt, Amex Referral Bonuses Up to 45K Points & More From TPG ✈

August 29, 2026

It's just so easy

by Summer Hull, Senior Director of Content

One program has changed the way I earn points this year more than any other: Bilt.

I’m earning points on my mortgage without paying a transaction fee, earning points on things I’m already doing – even when paying with another credit card – and earning a whopping 3 points per dollar on everyday purchases I put on my Bilt Palladium Card (see rates and fees) thanks to this Points Accelerator option.

When the revamped Bilt program rolled out in January, it felt a bit like opening a multi-page Cheesecake Factory menu — there was a lot to unpack.

But now, seven months later, I barely think about it and still earn thousands of valuable Bilt Points each month — worth 2.2 cents apiece, based on TPG’s August 2026 valuations — that I can transfer to partners like World of Hyatt, United MileagePlan and Atmos Rewards.

Here are the only three things you need to know to earn thousands of pretty easy Bilt points each month:

Get a Bilt credit card — even if you never pay your housing with Bilt. I earn 3 points per dollar on everyday purchases with my Bilt Palladium Card, thanks to the Points Accelerator option, which is a pretty incredible rate for points I can transfer to such top-tier partners. TPG tip: Set a big bill like car insurance, utilities or your cellphone to auto-pay to your Bilt card on the first of the month to earn double points on non-rent spend on that day (up to 1,000 bonus points).
Earn points on your rent or mortgage. With a Bilt card and some everyday spending, you can earn points on your monthly housing payment without paying a transaction fee. There are two ways to do it, so we built a calculator to help you pick the better option.
Use your Bilt Cash before it expires. If you choose the Bilt Cash option of the two choices you will get to make if you get a Bilt card, try to use all but $100 by the end of the year, since that’s the max that rolls over.

You can use it to earn points on your housing payment, unlock bonus points on the Bilt Palladium or Bilt Obsidian Card (see rates and fees) and even use it to pay for things like these helicopter airport transfers, Blacklane car service rides and Bilt Travel hotel bookings (each with some limits).

That’s really it. There are plenty more Bilt rabbit holes you can go down, but these three moves are responsible for most of the Bilt points I’m earning each month — without adding much work to my life.

If you want in on all this, you can check out the current Bilt card offers, including one worth more than $1,000 by our valuations.

Want to know more? Check out these articles:

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Photo Credit: CHARLY SIMON/SMALL LUXURY HOTELS.

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10.	Delta Amex current offers: Earn up to 200,000 SkyMiles with these offers

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