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Bilt 2.0 refers to the second-generation overhaul of the Bilt Rewards program and its associated credit card, which famously allows users to earn points on rent payments without transaction fees.
Bilt officially launched its '2.0' ecosystem on January 12, 2026. The update included a new premium metal card tier, the addition of major new airline transfer partners, and a redesigned mobile app that uses AI to suggest the best times to book travel using points.
Early reviews from the 'credit card hacking' community are largely positive, especially regarding the new 'Rent-to-Own' point multiplier. However, some long-time users are critical of the new minimum spend requirements needed to maintain 'Gold' status in the 2.0 version.