If you’ve been hearing more people talk about “Bilt points” lately, there’s a reason! Bilt points are incredibly valuable and getting easier and easier to earn — even if you don’t have a Bilt credit card.

What makes Bilt stand out is how strong its transfer partners are. You can move Bilt points to programs like Alaska, Hyatt, Flying Blue, and more, which opens the door to some amazing redemptions!

Here’s the part most people miss: you don’t need a Bilt credit card to start earning Bilt points!

In this guide, we’ll walk you through what Bilt points are, how they work, and the simplest ways to start earning them today — all without opening the credit card.

Bilt and Rakuten have partnered up to help you earn MORE points on your everyday spending!

American Express Membership Rewards® points are incredibly flexible—but knowing the best ways to redeem them is the key to unlocking their full value.

While the American Express® Gold Card comes with a higher annual fee, the value it offers can easily outweigh the cost. With elevated points on dining and groceries, generous monthly food credits, and a strong lineup of transfer partners, you have the potential to unlock incredible travel rewards—whether you're booking flights or hotel stays. For those who maximize its benefits, this card can be a true game-changer.

If you want to earn extra cash back, points, or miles for online purchases that you’re already planning to make, you should be using a shopping portal to make those purchases!