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Bilt Dining
Link any existing Visa, Mastercard, or Amex—no Bilt credit card required—to earn bonus transferable points automatically at neighborhood partner restaurants.
How to use Bilt Dining
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01
Create a free Bilt account & open Wallet Add your everyday Chase, Amex, Capital One, or Citi dining cards inside the Bilt app once.
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02
Leave the Rewards Network toggle off on Rakuten cards If your card is already linked to Rakuten In-Store (5%), keep Bilt's optional 'Enable all restaurant rewards' toggle off so Bilt uses only its direct partner rail.
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03
Swipe your linked card at Bilt Dining spots You earn Bilt points automatically on top of your credit card's regular dining points.
More details
Stacking compatibility & card conflicts
Direct Bilt Neighborhood Dining restaurants run on Bilt's own partner rail and stack with Rakuten In-Store, Seated, DoorDash Going Out, Upside, Franki, and bank card offers. Keeping the optional Rewards Network master toggle off preserves your 5% Rakuten link on the same card.
Payout timing & fine print
Bonus points post to your Bilt account within 5 to 7 days and transfer 1:1 to major airline and hotel loyalty programs.
Do I need to apply for the Bilt credit card to use Bilt Dining?
No. Anyone can open a free Bilt Rewards loyalty account with zero credit check, link existing credit cards from Chase, Amex, Citi, or Capital One in the Bilt Wallet tab, and earn bonus Bilt points at participating restaurants.
Ready to add Bilt Dining to your dining stack?
Up to 5x Points · Transferable airline & hotel points
Join Bilt Dining for Free