Guide to Bilt Dining: How to earn bonus points and snag exclusive reservations
Editor's Note
If you're all in on Bilt, you'll want to take note of the Bilt Dining program.
Bilt Dining works like many other dining rewards programs, offering Bilt Points to members when they use an enrolled card to pay at participating restaurants.
Bilt Dining has rapidly expanded to more than 20,000 restaurants across the U.S. since its launch in April 2023 and now includes exclusive experiences on select dates each year. Plus, it's easier to earn points with Bilt Dining than you may realize.
Let's get into the details of Bilt Dining and walk you through how to maximize your earnings.
Earn points through Bilt Dining
Bilt members can earn an extra 1 to 3 Bilt points per dollar spent at Bilt Dining restaurants when they use an eligible card linked to their Bilt Wallet.
You don't need to have a Bilt cobranded card to earn with Bilt Dining. As long as you link an eligible Visa, Mastercard or American Express card to your Bilt Wallet and use that card at a restaurant in the Bilt Dining program, you'll earn the applicable points multiplier.
For example, if you dine at a Bilt Dining location that earns 3 points per dollar and have linked your American Express® Gold Card to your Bilt Wallet, you'll earn 3 Bilt points per dollar spent in addition to the 4 American Express Membership Rewards points per dollar spent on that purchase (on up to $50,000 in spending each calendar year, then 1 point per dollar spent).
And, if you do have a Bilt card, you can stack your bonus category earnings with the Bilt Dining multiplier. Here's what you can expect with each of the three Bilt cards, depending on the restaurant's multiplier:
- Bilt Blue Card (see rates and fees): Earn up to 4 points per dollar spent at Bilt Dining restaurants: 1 point per dollar spent from the card and up to 3 points per dollar spent from Bilt Dining.
- Bilt Obsidian Card (see rates and fees): Earn up to 6 points per dollar spent at Bilt Dining restaurants (if you select dining as your Obsidian bonus category): 3 points per dollar spent from the card and up to 3 points per dollar spent from Bilt Dining.
- Bilt Palladium Card (see rates and fees): Earn up to 5 points per dollar spent at Bilt Dining restaurants: 2 points per dollar spent from the card and up to 3 points per dollar spent from Bilt Dining.
Note that you won't earn bonus Bilt Cash through Bilt Dining. (Up to $100 of Bilt Cash earned rolls over to the next year.)
Related: Bilt 2.0 transition questions answered: What you need to know
How to search Bilt Dining restaurants
To see eligible Bilt Dining restaurants, check out the "Neighborhood" tab of the Bilt app or website, then navigate over to the "Dining" section.
I have the Bilt Palladium and live in midsize Greenville, South Carolina, but I still have a few restaurants to choose from. Most of the choices in my area would earn 5 Bilt points per dollar spent if I paid with my Bilt Palladium, combining the 2 points I earn with the card with 3 points from Bilt Dining.
You can choose from Bilt's top picks or filter by location, rating, cuisine and price range.
You can earn an unlimited number of points through Bilt Dining. However, it may take up to seven days after dining for bonus earnings to post to your Bilt account.
You also won't earn Bilt Dining bonus points if the transaction is made through a third-party marketplace or an online ordering platform.
How to use Bilt Wallet
If you have a Bilt card, it will automatically show in the "Wallet" tab of the Bilt app or website. However, members are not limited to Bilt cards in their wallets. You can also link other payment methods to their Bilt account through this tab.
I have linked most of my cards to my Bilt Wallet and have occasionally seen Bilt points post when I didn't even realize I was eating at a Bilt Dining restaurant.
This is how my Chase Sapphire Preferred® Card (see rates and fees) appears in my Bilt Wallet.
If you share a card with others, you can add the card to multiple members' Bilt Wallets. However, only the most recent card added will receive points on Bilt Dining.
Related: Everything you need to know to set up your Bilt card for paying rent
Bilt Dining exclusive reservations
Bilt occasionally includes Bilt Dining in its monthly Rent Day promotions.
For instance, as part of February 2026's Rent Day, Bilt offered Neighborhood Dining experiences at 42 restaurants in eight cities on Feb. 1. Bilt is also hosting two special launch events at Skewr in New York and Electric Jane in Nashville on other dates in February.
In years past, Bilt has offered a Rent Day promotion on exclusive Valentine's Day dinner reservations at select restaurants in Boston, Los Angeles, Miami, New York, San Francisco and Washington, D.C. Members could pay for their reservations with Bilt points or a card linked to their Bilt Wallet.
Related: How good are Bilt's first-ever welcome offers? Earn up to 50,000 points
Bottom line
Bilt Dining has expanded since its initial rollout, now offering solid points-earning opportunities at more than 20,000 restaurants across the U.S.
Even if you don't have a Bilt card, it's free to start a Bilt account and link your cards to your Bilt Wallet.
With the high value of Bilt points at 2.2 cents each, per TPG's February 2026 valuations, it would make sense for many types of spenders to get started in this program — especially if you live in or frequently visit a large city with multiple Bilt Dining restaurants.
Related: New Bilt Cash details are here — including option to earn 3X everyday points on the Palladium Card
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Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
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Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
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- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
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- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
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