Convert Rakuten cash-back rewards into Bilt Rewards points

Consideration, factors and miles lovers, now you can earn Bilt Points by merely procuring at your favourite on-line retailers. In a newly introduced partnership with Rakuten, Bilt Rewards members can hyperlink their accounts and choose to earn Bilt Factors as a substitute of cash-back rewards.

Bilt factors are probably the most helpful transferable rewards, price 2.2 cents apiece, in keeping with TPG’s November 2025 valuations. Since you may redeem Bilt factors for flights, resorts, Amazon purchases, present playing cards and extra, this new partnership can probably mean you can fund your subsequent getaway or vacation present.

Plus, for the primary six months, all Bilt member status 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 greater 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 by means of the Bilt app after which make a qualifying buy of $25 or extra. Observe that this bonus applies to new Rakuten members solely.

Hold studying to seek out out what it is advisable to learn about linking your Bilt and Rakuten accounts, and if it is price it.

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Tips on how to hyperlink your Rakuten and Bilt accounts

To begin incomes Bilt factors, you will have to hyperlink your Rakuten account by means of the Bilt app. When you accomplish that, choose “Bilt Factors” as your Rakuten fee technique after which store by means of Rakuten as you usually would. Since Bilt factors are your Rakuten fee technique, you will get Bilt factors mechanically every quarter (since Rakuten has a quarterly payout schedule). The subsequent payout is scheduled for November 15.

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 fee technique. And there are some limited-time affords to get members to hyperlink their accounts and choose in to earn Bilt factors when utilizing Rakuten.

After you have created each accounts, to hyperlink them, go to Bilt’s website and easily click on “Hyperlink account.” It is going to then immediate you to substantiate your e mail related to each accounts. After you click on “Proceed,” your accounts will likely be linked.

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For those who determine to not earn Bilt factors, you may at all times go into your Rakuten account, click on “Account settings,” and scroll right down to the way you want to be paid out. Different choices embrace:

• “Huge Fats Test”: Money-back rewards you get within the mail
• PayPal
• American Specific Membership Rewards factors

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, wherein we worth Bilt factors at 2.2 cents apiece. Nevertheless, 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 by means of Rakuten could 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 will 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 choice.

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