Major BILT Card Updates: Why This Is Huge for Hawaii Travelers 🇺🇸✈️🌺
Aloha Hawaii Travelers,
Living in Hawaii is a blessing, but we all know it comes with a price… literally. With rent and mortgage costs sky-high, many local families are doing their best just to keep up. Saving for a vacation? That feels out of reach for most.
But what if your rent or mortgage payments could actually help you fly home to visit family or even take that dream trip to Japan?
That’s the power of BILT Rewards, and now they’re making it even more powerful.
🆕 What’s New With BILT?
1. BILT Raised $250 Million in Funding 💰
BILT just closed a massive $250 million fundraising round, pushing their valuation to $10.75 billion. Investors clearly see what many Hawaii travelers already know: turning rent into travel is a game-changer.
This investment means more:
Tech innovation
Rewards improvements
And ways to help locals earn points for the travel they need most
2. Bye Wells Fargo 👋… Hello Cardless 💳
In a big shift, BILT is ending its partnership with Wells Fargo and is now partnering with Cardless, a U.S.-based fintech company known for launching sleek, modern rewards cards (like the Coinbase card that earns Bitcoin).
Cardless is known for:
Fast, user-friendly tech
Modern app experience
Launching reward programs for high-profile brands like the NBA, LATAM Airlines, and now… BILT.
This means faster innovation and more flexibility. You’ll be applying directly through BILT and Cardless, no more dealing with legacy banks that don’t understand how people in Hawaii actually live and travel.
3. 🏠 Earn Points on Mortgages, HOAs, and Student Housing
BILT isn’t just for renters anymore. They’re expanding into mortgage payments, starting with a new partnership with United Wholesale Mortgage, allowing homeowners to earn points on their biggest monthly expense. They’re also adding support for HOA fees and student housing payments through partners like Douglas Elliman, Century Living, and American Campus Communities. For Hawaii families who own homes or have kids in college, this is a major new way to earn free travel just by paying your bills. These new changes will be updated in February 2026.
4. Three New BILT Credit Card Tiers
Previously, BILT offered just one card. Now, they’re rolling out three tiers so everyone can find a fit:
| Card | Annual Fee | Highlights |
|---|---|---|
| BILT 2.0 | $0 | Still earns points on rent (up to 100,000 pts/year), great starter card with no fees |
| BILT Premium Card | $95* | Includes more perks, bonus categories, and flexible travel options |
| BILT Top Tier Card | $495 | Premium-level perks rumored for high spenders and loyal BILT users |
*Exact details and fees to be confirmed. We’ll update you with more information as we get closer to February 2026.
Why we love BILT!
✈️ Travel Partners Hawaii Locals can Use
BILT points transfer to travel partners that Hawaii residents love:
Alaska Airlines
Japan Airlines
United
Air France / KLM (Flying Blue)
Hyatt
Virgin Atlantic
From local trips to interisland flights, or bigger redemptions like Japan or New York — these partners are your ticket.
🌺 A Huge help for Hawaii Travelers
If you live in Hawaii and rent or pay a mortgage, you need to pay attention to this:
✅ Earn points on housing, your biggest monthly expense
✅ No fees with the basic BILT card
✅ Points that transfer to airlines you already fly
Whether you’re working two jobs, supporting family, or just trying to take your keiki to Disneyland without breaking the bank, this helps you travel smarter.
🔗 Want to Sign Up?
Apply for the BILT card using our referral link here:
LINK TO APPLY👉 https://bilt.page/r/Q1VG-HZM0
And if you want to turbocharge your earning, we can help you pair BILT with many of the top Hawaii travel cards that match your lifestyle and budget. That’s our specialty.
Our take for Hawaii Travelers
BILT just leveled up in a big way, with new funding, their expansion into mortgage payments and a range of new card options. And for Hawaii locals paying thousands a month in rent or mortgage, this is your chance to start stacking miles without spending extra.
📲 Got questions? Want free help getting started?
DM us on Instagram @hawaiirewardtravel or drop a comment below.
