Bilt Cash: What Is It, and How Does It Work?

Bullet Cash is one of two rewards currencies you can earn on one of three Bullet credit cards. Bullet Cash cannot be redeemed for actual cashback or transferred directly to Bullet multiples. Travel partnersbut you can spend it on eligible purchases through the Bullet app or on Bullet.com.

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• Bullet Obsidian Card for , , , , , , , , , , , , for , , for , , , for , .$95 annual fee).

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Bullet Cash was introduced in January 2026 when Bullet revamped its card lineup. Every $1 in Bullet Cash is typically worth $1 when redeemed within the Bullet ecosystem. One notable way to spend Bullet Cash is to essentially buy the ability to earn Bullet Points (the company’s other rewards currency) when you use your card to pay your rent or mortgage. More on that later.

If you’re considering one of the bullet credit cards, here’s what you need to know about Bullet Cash.

There are two options to get bullet cash. You’ll choose one when you activate your bullet card, but you can change it at any time.

• Option 1: You earn Bullet Cash as part of your welcome bonus, plus $50 of Bullet Cash for every 25,000 Bullet Points you earn. Otherwise, you won’t earn bullet cash through your spending. Instead, the more non-accommodation-related expenses you put on the card, your “points multiplier” to earn bullet points on the maximum accommodation expenses (multiplied 0.5 to 1.25 points per $1).

• Option 2: You earn Bullet Cash as part of your welcome bonus, plus 4% back in Bullet Cash for purchases that don’t make rent or mortgage payments. You will also earn $50 Bullet Cash for every 25,000 Bullet Points you earn.

If you choose option 2, you can spend Bullet Cash to “unlock” Bullet Points on rent or mortgage payments. In this case, you are essentially using BulletCash to cover the transaction fees. For every $30 in Bullet Cash you spend toward this goal, you’ll earn 1,000 Bullet Points.

But there are many other ways to use Bullet Cash.

You can redeem Bullet Cash dollar for dollar toward certain credits. Some credit amounts vary based on your built status tier, which is determined by how many points you earn in a calendar year. Track your Bullet Cash balance, along with credit and other redemption options, in the Bullet app or on Bullet.com.

• Gurhab: 10 per month for grocery or restaurant deliveries.

• Goof: $100 per year for 5-month delivery orders, plus GopfFAM membership.

• Bullet Dining: 25 per month for one monthly visit to a Bullet Dining Partner, and $50 per month for booking Bullet Dining experiences.

• Hotel stay: $50 per month for Blue and Silver members, and $100 per month for Gold and Platinum members, the hotel was booked through the Bullitt travel portal. There is a two night minimum stay.

• Left: 10 per month for rides.

• Black Lane: Annual ride credit of $50 for Blue and Silver, $100 for Gold and $150 for Platinum.

• Blade: Up to $350 per seat on two seats per year for airport helicopter flights.

• Advantages of the hotel: It will cost $95 in Bullet Cash for Blue and Silver members to unlock the benefits available to Gold and Platinum members. These include room upgrades, $100 hotel credit, late checkout and more.

• Priority Pass Lounges: Holders of Bullet Palladium Card Each guest can bring up to two additional guests to Priority Pass airport lounges for $32 per guest.

• Built Neighborhood Parking: $5 per month at participating locations.

• Fitness classes: 40 per month towards participating classes at fitness studios.

• Walgreens: 10 per month.

• Comedy Shows: 50 per month towards bullet comedy experiences.

• Built Design Collection: 10 per month.

Note that unused credit will not roll over to the next month or year.

If you choose option 2, where you earn 4% in BullitCash on non-housing purchases, you can use BullitCash up to five times per year for one additional Bullit Point spent on everyday spending categories. It is only available for Bullet Obsidian Card And Bullet Palladium Card. Once activated, you’ll earn additional points for up to $5,000 in spending.

Despite having “cash” in its name, BullitCash has no actual cash value outside of the Bullitt network. It cannot be redeemed for cash or statement credit in any other form.

Bullet Cash expires at the end of the year in which it was earned. You can carry over $100 in Bullet Cash from the previous year to the next year.