Bilt 2027: should you opt out of the Bilt Cash change?
If your Bilt card was opened before January 1, 2027, you have a one-time Legacy Election: keep earning 4% Bilt Cash on everyday spend with today's credits, or take the refreshed benefits (housing-only tiers, up to 1.25x on housing, and new annual Bilt Cash credits of $100 on Obsidian and $600 on Palladium). Enter your numbers; the verdict updates instantly.
Last updated: November 1, 2026. Rules checked 2026-11-01 against the official sources listed below.
Your setup
Bilt point value: ¢ (default: 2.2¢, The Points Guy, November 2026)Value per $1 of restricted Bilt Cash: (0-1, default 0.75)
Toss-up - lean toward opting out
Keeping 4% Bilt Cash is ahead by about $7/yr
•The two paths are within $25 a year. The Legacy Election is the reversible choice: you can move to the refreshed benefits any time, but you can never get 4% Bilt Cash back once you leave it.
•The model keeps the Bilt Cash you can actually use and unlocks housing points only with the surplus (unlocking converts $1 of cash to $0.73 of points at 2.2cpp, below your $0.75 cash value).
•Below about $1,500/month routed to the Bilt card, the verdict becomes keeping 4% Bilt Cash.
What this verdict excludes: first-year transition perks (welcome Bilt Cash and the one-time conversion of existing Bilt Cash, capped at $400 on Palladium and $100 on Obsidian), refreshed-path extras that cannot be valued reliably from the terms (Daily Rewards, counted at $0), and card annual fees, which you pay either way. This is a steady-state comparison of year two onward.
Annual value
Opt out (4% Bilt Cash)
Refreshed benefits
Housing points (10,668 vs 24,000 pts)
$235
$528
Bilt Cash kept ($400 vs $0 inflow)
$300
$0
Hotel credit used
$0
$0
Total
$535
$528
Your election deadline
You must make the Legacy Election in the Bilt app before your first card anniversary on or after January 1, 2027. Cards opened on or after that date get the refreshed benefits only.