Bilt to end the 4% Bilt Cash option for new cardholders in 2027

Cards approved from January 2027 get only the Housing-Only rewards option. Existing cardholders must opt in by Dec 31, 2026 to keep Flexible Bilt Cash.

In this brief: 3 sections 2 min read

- Cards approved by Dec 31, 2026 can still choose 4% Bilt Cash
- Cards approved from January 2027 get Housing-Only: up to 1.25x on rent and mortgage
- From 2027, switching to Housing-Only can't be reversed, and upgrading or downgrading gives up the 4% option
- Existing cardholders keep Flexible Bilt Cash only if they opt in by Dec 31, 2026. Doctor of Credit says the setting is in the Bilt app under the card's bonus rewards. Those who keep it also keep the old hotel credits.
- Bilt Cash expires 12 months after it's earned, effective now
- In 2027, Palladium's $400 hotel credits fold into Bilt Cash ($200 a year becomes $600); Obsidian's $100 hotel credit becomes $100 in Bilt Cash, for new cards and Housing-Only users
- Hotel redemptions with Bilt Cash drop from monthly to twice a year

Read full analysis on doctorofcredit.com

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