Important Changes to Bilt Terms
Bilt has updated terms on March 11, 2026 and there are some important changes that are worth highlighting. One is positive as you can choose to let authorized users get the points and Bilt Cash they earn from the purchases. The other makes it possible for Bilt to claw back hotel credits if you close your card within 90 days.
Authorized User Rewards
Primary Cardholders can select whether Bilt Points and Bilt Cash earned in connection with Purchases made by Authorized Users will be credited to the Primary Cardholder’s Rewards Account or to the Authorized User’s Rewards Account. This selection must be made in the Bilt app or website and can be changed at any time. Only the Primary Cardholder can make or change this selection. If the Primary Cardholder changes this selection, that change will go into effect immediately and any purchases that have not yet been posted will issue rewards based on the new selection.
Hotel Credit
We may reverse credits if a Qualifying Booking is canceled, or modified or if you close your Account within 90 days of receiving a credit.
Guru’s Wrap-up
The first change is positive as you can choose who gets the points and Bilt cash that is earned by authorized user cards. That could make it easier to use Bilt Cash, or to transfer points to the account of someone who has higher status at a specific program.
The other change is negative as you now have to worry about the hotel credit being reversed after closing the card. Most people applied for Bilt cards in February when they first launched, so they should be able to use the Hotel credit three times on the Palladium card. But now the credit for 2027 and even the second credit for 2026 (if you use it in December) may be reversed if you choose not to keep the card. Maybe downgrading to the free Blue card will be enough to avoid clawbacks.
HT: FM
