Bilt Rewards

Transfer partners (all 1:1): Airlines: - American Airlines AAdvantage: Oneworld sweet spots - United MileagePlus: Star Alliance options - Turkish Miles & Smiles: Best domestic award chart - Air Canada Aeroplan: Star Alliance with stopovers - Air France/KLM Flying Blue: Promo awards to Europe - Alaska Mileage Plan: Excellent partner award chart - Emirates Skywards: Premium Emirates cabins - Cathay Pacific Asia Miles: Asia-Pacific premium routes Hotels: - World of Hyatt: Best hotel transfer value, consistently 2+ cpp - IHG One Rewards: Good for high-category IHG properties Strategy tips: - Hyatt is the standout hotel partner (same as Chase UR) - Turkish at 1:1 is excellent for cheap domestic awards - American Airlines for oneworld flights is solid - Alaska Mileage Plan has a uniquely flexible partner chart - Don't transfer to Emirates unless booking Emirates metal

Best redemption values: Hyatt (consistently best value): - Category 1-4 hotels at 5,000-15,000 pts/night - All-inclusive Hyatt Ziva/Zilara: 25,000 pts for $500+ rooms - Park Hyatt luxury stays at 25,000-40,000 pts/night Turkish Miles & Smiles: - 7,500 miles domestic one-way - Stack rent earning + Turkish transfer for essentially free domestic flights American Airlines: - Web specials starting at 5,000-7,500 miles one-way domestic - Oneworld partner awards for international business class Alaska Mileage Plan: - Partner chart has unique sweet spots - 70,000 miles for Cathay Pacific business class to Asia one-way Home down payment: - 100,000 pts max at 1.5 cpp = $1,500 toward a home - Unique option, but transfer to travel partners usually yields more value Avoid: - Amazon or gift card redemptions - Using points for home purchase if you can get better value from travel transfers

Earning strategy: Bilt Mastercard: - 1x on rent (up to 100,000 pts/yr, no fees) - 3x on dining - 2x on travel - 1x on everything else - Must make 5 transactions/month to earn points (easy with small purchases) Bilt Rent Day (1st of each month): - Double points on all non-rent transactions - Stack all non-rent spending on Rent Day for 2x-6x earning - Dining becomes 6x, travel 4x, everything else 2x Key tips: - Even if your landlord isn't in the Bilt network, you can still pay rent via Bilt - The 5-transaction minimum is easy; buy 5 small items on the 1st - Concentrate large purchases on Rent Day for double earning - Bilt neighborhood rewards: Extra points at local restaurants in your area - Home down payment: Can use up to 100,000 pts toward a future home purchase at 1.5 cpp