Bilt Points Calculator

Bilt Housing-Only Points Calculator

Estimate how many Bilt points you may earn under the official Housing-only rule. Your housing-payment multiplier depends on everyday card spend relative to your monthly housing payment, and if you miss the first threshold you still earn a 250-point floor.

Everyday spend this cycle

Housing spend to test

Effective housing multiplier

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Current housing-payment multiplier based on your everyday-spend threshold for this billing cycle.

Housing points

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Housing points follow the official threshold tiers, with a 250-point floor below the first threshold.

Everyday card points

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Everyday spend is used only to determine the housing-payment tier in this prototype.

Estimated housing points

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Modeled housing payment

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How this prototype works

This calculator now follows the official threshold rule for Bilt Housing-only rewards.

Everyday spend threshold	Housing points earned	Result

Rule: Below 25% of housing payment in everyday spend, earn 250 points. At 25%, 50%, 75%, and 100% of housing payment in everyday spend, the housing payment earns 0.5x, 0.75x, 1x, and 1.25x respectively.

What to improve before production

Important: this is a blog-game prototype, not financial advice. Confirm the official Bilt/Cardless terms and edge cases before relying on this calculator in production.