Bilt Rewards and Rakuten — certainly one of our favourite on-line purchasing portals — simply introduced a brand new partnership. By this partnership, you possibly can redeem cash-back rewards from Rakuten for Bilt Factors.
Bilt founder and CEO Ankur Jain wrote in a press launch, “We’re thrilled to launch this partnership at present, simply as the vacation purchasing season kicks into excessive gear. Beginning proper now, whether or not you are furnishing your house, purchasing for the vacations, or checking gadgets off your weekly to-do listing, you are incomes factors that may e book you a flight to Tokyo, assist to cowl subsequent month’s hire, or unlock unique experiences. The mixing is seamless: hyperlink your accounts, store as you usually would via Bilt or Rakuten, and accumulate your rewards. That is the present that retains on giving.”
As Jain stated, you possibly can uncover and store Rakuten gives straight throughout the Bilt app, or you possibly can store via Rakuten’s web site, browser extension or app. No matter the way you store Rakuten gives, you possibly can earn cash-back rewards that you would be able to then redeem for Bilt factors.
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Nonetheless, you will want to hyperlink your Rakuten account via the Bilt app. When you achieve this, choose “Bilt Factors” as your Rakuten cost technique after which store via Rakuten as you usually would. Since Bilt factors are your Rakuten cost technique, you will get Bilt factors mechanically every quarter (since Rakuten has a quarterly payout schedule).
To be clear, you will solely be capable to get Bilt factors as your Rakuten payout technique for purchases when you hyperlink your accounts and choose Bilt factors as your cost technique. And there are some limited-time gives to get members to hyperlink their accounts and decide in to earn Bilt factors when utilizing Rakuten.
For the primary six months, all Bilt member standing tiers will take pleasure in a 1:1 conversion ratio. This 1:1 conversion ratio means $10 in Rakuten money again will equal 1,000 Bilt factors. After that time, Bilt members with Blue standing will obtain 50 Bilt factors per greenback in Rakuten money again, and Bilt members with Silver standing or larger will proceed to get 100 Bilt factors per greenback of Rakuten money again.
Moreover, Bilt members will earn 2,500 bonus Bilt factors in the event that they join Rakuten via the Bilt app after which make a qualifying buy of $25 or extra. Be aware that this bonus applies to new Rakuten members solely.
Must you hyperlink your Rakuten and Bilt Rewards accounts?
Rakuten lets you earn cash-back rewards at hundreds of on-line retail retailers. Nonetheless, for many factors and miles lovers, opting to earn Amex factors as a substitute of Rakuten money again has been a profitable rewards-earning possibility. You’ll earn 100 Amex factors per greenback spent in Rakuten money again.
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However, with Rakuten’s new partnership with Bilt, do you have to change your incomes possibility?
Since TPG values Amex factors at 2 cents apiece, per our November 2025 valuations, 100 Amex factors equals $2.
For the primary six months, Bilt members will earn 100 factors per greenback spent in Rakuten money again. Subsequently, 100 Bilt factors equals $2.20, per our November 2025 valuations, during which we worth Bilt factors at 2.2 cents apiece. Nonetheless, following the six-month promotional interval, Bilt’s Blue standing members (entry-level tier) will solely earn 50 Bilt factors per greenback spent, which is valued at $1.10.
Whereas incomes Membership Rewards factors via Rakuten might yield the next worth for non-Bilt standing holders, the latter has 22 airline and resort switch companions in comparison with Amex’s 20 companions. Moreover, to earn Membership Rewards factors, you need to have an present eligible Amex card, whereas Bilt doesn’t require members to be cardholders to earn rewards factors.
Subsequently, for individuals who do not have an eligible Amex card or for individuals who worth journey rewards factors over money again, incomes Bilt factors may very well be an incredible possibility.
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Backside line
Total, Bilt continues to determine itself as a stronghold throughout the rewards house, driving innovation within the methods members can earn and redeem factors.
Bilt’s partnership with Rakuten is yet one more instance of how members can earn beneficial rewards with out having to open or spend on a bank card. For these trying to earn transferable rewards, linking your Bilt and Rakuten accounts is a straightforward (and doubtlessly cost-saving) step to absorb your factors journey.
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