On the first of every month, Bilt runs a promotion called Rent Day, and the headline is often a huge transfer bonus: up to 200% to Hilton in both July and October 2026. The problem is that "up to 200%" is not what most people get. The real bonus depends on your Bilt status tier, the window lasts about a day, and the partner changes every month. So how do you know whether a given month's Bilt Rent Day offer is worth acting on, or worth ignoring?
Three questions decide it: which tier are you, is the partner one you can actually use, and does the bonus clear your points' normal value? In this guide, we break down how Rent Day transfer bonuses work after the 2026 program relaunch, list every 2026 offer by month, and show the maths that tells you when a bonus beats a plain 1:1 transfer.
Key Takeaways
- Rent Day is the 1st of each month, running from 12:00am ET to 11:59pm PT (about 27 hours). Verify the live offer before you transfer.
- Transfer bonuses are tiered by Bilt status (Blue, Silver, Gold, Platinum). The "up to" headline is the Platinum-with-buy-up number, not the base rate.
- A big bonus to a low-value partner can still lose. Hilton points are worth about 0.6¢, so a Bilt-to-Hilton transfer needs roughly a +67% bonus just to match Bilt's ~2.0¢ estimated value.
- The cap is 100,000 Bilt points per Rent Day transfer offer, and you can buy up one status tier with Bilt Cash.
- The partner rotates monthly. In 2026 it has ranged from Japan Airlines and Avios to Hilton, Wyndham, and Amtrak.
What Bilt Rent Day Is (and What Changed in 2026)
Rent Day is Bilt's monthly loyalty event, not a one-off promotion. The decision context changed in early 2026, when Bilt relaunched as "Bilt Rewards 2.0," so older Rent Day guides describe mechanics that no longer apply. Understanding the new structure is the first step to judging any offer.
Here is what changed, as of October 2026:
- New card lineup. Bilt moved from the single Wells Fargo Bilt Mastercard (retired in February 2026) to a Cardless-issued lineup: one no-annual-fee card and two premium cards.
- A second currency, Bilt Cash. This is separate from Bilt Points. Bilt Cash is non-transferable and is redeemed inside the Bilt ecosystem, so it never reaches an airline or hotel. Transfer bonuses still apply only to Bilt Points.
- Rent Day itself stayed. It remains on the 1st, still pairs double points on everyday spend with a rotating transfer bonus.
The double-points piece is minor for most readers. You earn double your normal rate on non-housing spend on Rent Day, capped at 1,000 bonus points per month. The transfer bonus is where the real value sits, so that is where this guide focuses.
How Rent Day Transfer Bonuses Work
Every Rent Day transfer bonus is tiered by your Bilt elite status, which is the single most misread part of the promotion. The "up to 200%" you see in headlines is the top tier with a paid buy-up. Most members sit lower, so start by finding your own number before you get excited.
Bilt has four status tiers, earned over a calendar year by points or by spend:
| Status | Qualifying points | Or eligible spend | Typical Rent Day position |
|---|---|---|---|
| Blue | Default | Default | Lowest bonus |
| Silver | 50,000 | $10,000 | Mid |
| Gold | 125,000 | $25,000 | High |
| Platinum | 200,000 | $50,000 | Highest |
Three rules apply to the transfer bonus on top of your tier:
- Buy-up option. You can pay Bilt Cash to move up one bonus tier for the offer. The cost varies by partner (for example, $200 for the October Hilton offer and $400 for Amtrak).
- Transfer cap. Each Rent Day transfer offer is capped at 100,000 Bilt Points.
- Short window. The offer is live only during the Rent Day window, so you cannot wait and decide later in the month.
Bilt Rent Day Transfer Bonus History (2026)
Bilt does not publish a schedule, so the only way to anticipate a partner is to read the pattern. The table below lists every Rent Day transfer bonus since the 2.0 relaunch, verified against reputable reporting. The "up to" figure is the Platinum-with-buy-up headline; lower tiers earn proportionally less.
| Month (2026) | Transfer partner | Bonus (up to) |
|---|---|---|
| February | Accor Live Limitless | 125% |
| March | Japan Airlines | 125% |
| April | Wyndham Rewards | 125% |
| May | British Airways, Iberia, Aer Lingus (Avios) | 100% |
| June | TAP Air Portugal | 125% |
| July | Hilton Honors | 200% |
| August | Accor (status match, no transfer bonus) | — |
| September | Virgin Atlantic / Virgin Red | 100% |
| October | Hilton Honors + Amtrak Guest Rewards | 200% / 125% |
Two patterns stand out. Hotel and transfer-light programs (Hilton, Wyndham, Accor, Amtrak) appear often and carry the biggest headline percentages, because their points are worth the least. High-value airline partners such as Japan Airlines and the Avios group show up less often and with smaller percentages. January 2026 was the relaunch month and centered on redemption bonuses rather than a transfer bonus, so the transfer history effectively starts in February.
What a Rent Day Bonus Is Actually Worth
A large percentage on a low-value currency can still be a poor deal, which is the mistake this section prevents. The way to check is to convert the bonus into cents per Bilt Point and compare it against Bilt's own estimated value of about 2.0¢, using the figures on our points valuations page. Bilt moves to Hilton at a base ratio of 1:2, and Hilton points are worth roughly 0.6¢ each.
Here is the October 2026 Hilton offer applied to a 50,000-point transfer, by tier:
| Status (Hilton bonus) | Hilton points | Value | ¢ per Bilt point | Beats ~2.0¢? |
|---|---|---|---|---|
| Base, no bonus | 100,000 | $600 | 1.2¢ | No |
| Blue (75%) | 175,000 | $1,050 | 2.1¢ | Just |
| Silver (100%) | 200,000 | $1,200 | 2.4¢ | Yes |
| Gold (150%) | 250,000 | $1,500 | 3.0¢ | Yes |
| Platinum (175%) | 275,000 | $1,650 | 3.3¢ | Yes |
| Platinum + buy-up (200%) | 300,000 | $1,800 | 3.6¢ | Yes |
The maths is simple: 50,000 × 2 (base) × 1.75 (a 75% bonus) = 175,000 Hilton points. Because Hilton sits at 0.6¢, a Bilt-to-Hilton transfer needs about a +67% bonus before it even matches Bilt's 2.0¢ value. That is why Blue members barely come out ahead at 75%, while the top tiers do well. The same offer also granted instant Hilton elite status, which adds value the cents-per-point figure does not capture.
Transfer Calculator
Run your own partner and tier through the calculator above before Rent Day. For a high-value transfer such as Bilt to World of Hyatt at 1:1 (worth about 1.7¢), even a modest bonus clears the bar easily, whereas Hilton needs a large one.
How to Judge This Month's Bonus in Two Minutes
With the numbers in hand, you can score any Rent Day offer quickly. Run these three checks in order, and stop at the first "no."
- Transfer now if you have a specific award in mind, the partner is one you use, and the bonus pushes the value above what your Bilt Points are normally worth to you.
- Wait if the partner is right but your status tier makes the bonus weak this month. A better partner, or a higher tier, often comes around within a few months.
- Skip if you have no near-term use for the partner. Points transferred for a hypothetical trip are stranded, because transfers out of Bilt are one-way.
A worked example: a Gold member eyeing a Hyatt stay should jump on any Hyatt bonus, since Hyatt already returns strong value. A Blue member staring at a 75% Hilton bonus with no Hilton stay booked should usually pass, because the effective 2.1¢ barely beats holding the points for a better airline transfer later.
Common Mistakes
Even experienced members trip over the same issues on Rent Day. Each one below has cost people real value.
- Chasing the headline percentage. A 200% bonus to a 0.6¢ currency can be worth less than a 30% bonus to a 1.5¢ airline. Always convert to cents per point first.
- Assuming you get the top rate. Blue and Silver members receive far less than the "up to" number. Check your tier.
- Transferring with no award in hand. Award seats can vanish. Search availability first, then transfer. For airline offers, confirm seats on FlightPoints before you move points.
- Forgetting the cap and the clock. The offer ends when Rent Day ends, and each transfer offer stops at 100,000 Bilt Points.
Track Bilt Bonuses with TransferPoints
Bilt bonuses are short, the partner is unannounced until the day, and the real rate hides behind a status tier. Add in the 2026 program changes, and it is easy to act on a bonus that does not actually beat holding your points. That uncertainty is the problem TransferPoints is built to remove.
We keep every bank's ratios, transfer times, and live bonuses in one place so you can judge an offer in seconds, not search five blogs on the morning of the 1st.
- Bonus Tracker: see which transfer bonuses are live across all eight banks, with dates.
- Bilt program page: every Bilt transfer partner, ratio, and transfer time in one table.
- Points valuations: the cents-per-point figures behind the maths above.
- FlightPoints: check award availability before you commit an irreversible transfer.
For the full partner list, our guide to Bilt transfer partners covers all 20 programs and which are worth your points.
Conclusion
Bilt Rent Day rewards members who do a little maths. The headline percentage tells you almost nothing on its own; your status tier, the partner's cents-per-point value, and a concrete award plan tell you everything. The biggest mistake is transferring to a low-value program chasing a big number, when holding the points for a 1.5¢ airline partner would have been worth more.
Because the partner rotates and the window is short, the edge goes to people who already know their own numbers and can decide fast. TransferPoints keeps those numbers current, so a Bilt Rent Day offer becomes a two-minute decision instead of a gamble. Before your next transfer, check the live bonus tracker to see whether the month's deal changes the maths.
Frequently Asked Questions
When is the next Bilt Rent Day?
Rent Day falls on the 1st of every month and runs from 12:00am ET to 11:59pm PT, so you get roughly 27 hours. The transfer partner and bonus are usually announced a day or two ahead. Because the window is short, decide in advance whether you want the offer, then act early on the 1st rather than waiting until late in the day.
What is the highest Bilt Rent Day transfer bonus?
In 2026, the largest headline bonus has been 200%, offered on transfers to Hilton Honors in both July and October. That 200% figure applies only to Platinum-status members who also buy up a tier with Bilt Cash. Blue and Silver members received 75% and 100% respectively on the same October offer, so your actual bonus depends heavily on your status.
Does every Bilt Rent Day include a transfer bonus?
No. Most months in 2026 featured a transfer bonus, but some did not. August 2026, for example, offered an Accor status match rather than a transfer bonus, and January centered on redemption bonuses during the program relaunch. Always check the specific offer, because the double-points benefit on everyday spend runs every month regardless.
Is a Bilt Rent Day bonus to Hilton worth it?
It depends on your status and your plans. Hilton points are worth about 0.6¢, and Bilt transfers at 1:2, so you need roughly a +67% bonus before the transfer matches Bilt's ~2.0¢ estimated value. At the top tiers the Hilton bonus clears that easily, but Blue members at 75% barely do. Only transfer if you have a Hilton stay in mind.
Can I cancel a Bilt transfer if I change my mind?
No. Transfers from Bilt Points to an airline or hotel partner are one-way and cannot be reversed. This is why you should confirm award availability before transferring, especially for airline partners where seats are limited. Moving points on a Rent Day bonus without a plan can leave you with a balance you cannot use well.
How this guide was made: The TransferPoints team researched and drafted this guide with AI assistance. Every transfer ratio, status tier, and Rent Day offer was checked against official Bilt sources, reputable points publications, and TransferPoints' own transfer data on October 12, 2026. Spot an error? Email [email protected].