# Bilt cuts Hyatt transfers from 1:1 to 4:3 on January 1, 2027

_Oct 2 13:45_

Tags: Bilt, World of Hyatt, airline, hotel, credit card, transfer bonus

Type: Program change

## Summary

Bilt will drop World of Hyatt transfers from 1:1 to 4:3 on January 1, 2027 for every member, including holders of the $495-per-year Palladium card. Four Bilt points will then buy three Hyatt points. Booking a 60,000-point Hyatt stay will take 80,000 Bilt points, up from 60,000, or 33% more.

The cut has no 1:1 carve-out and no product-change path to keep the old ratio. Chase already moved most Ultimate Rewards cards to 4:3 for Hyatt but kept 1:1 on Sapphire Reserve personal and business. Bilt is not matching that exception.

Transfers stay at 1:1 through the end of 2026. Airline and hotel partners besides Hyatt are unchanged.

Move Bilt points to Hyatt before January 1, 2027 if those points are meant for a Hyatt stay; otherwise leave them for Bilt's remaining partners.

## Key facts

- **Announced**: Oct 1, 2026
- **Starts**: Jan 1, 2027
- **Numbers**:
  - 4:3 ratio: new Bilt-to-Hyatt transfer ratio
  - 33%: extra Bilt points needed for the same Hyatt award
  - 60,000 Hyatt points: example World of Hyatt stay cost
  - 80,000 Bilt points: Bilt points needed for a 60,000-point Hyatt stay after the change
  - $495: Bilt Palladium Card annual fee, still subject to 4:3
- **Who qualifies**: All Bilt members, including Bilt Palladium Cardholders
- **Takeaway**: If you need Hyatt points, transfer Bilt points at 1:1 before January 1, 2027; otherwise leave them for Bilt’s other partners.

## Sources cited

- [Doctor of Credit](https://doctorofcredit.com/bilt-to-cut-hyatt-transfer-rate-from-11-to-43-live-1-1-27) — Bilt To Cut Hyatt Transfer Rate From 1:1 To 4:3 (Live 1/1/27)
- [The Points Guy](https://thepointsguy.com/news/bilt-hyatt-transfer-devaluation) — Another Hyatt transfer change is coming — this time from Bilt
- [Frequent Miler](https://frequentmiler.com/bilt-following-chases-example-and-reducing-hyatt-transfer-ratio) — Bilt following Chase’s example and reducing Hyatt transfer ratio
- [Miles to Memories](https://milestomemories.com/bilt-to-hyatt-transfer-ratio) — Another One Bites The Dust: Bilt Is Dropping Hyatt As A 1 To 1 Transfer Partner

## Related signals

- [Considering The Bilt Palladium Card? Here’s Why You Should Apply Soon…](https://thetravelsignal.com/s/considering-the-bilt-palladium-card-heres-why-you-should-apply-soon.md)
- [Bilt cuts World of Hyatt transfers to 4:3 on January 1, 2027](https://thetravelsignal.com/s/no-surprise-bilt-devalues-world-of-hyatt-points-transfers-as-of-2027.md)
- [Bilt cuts Hyatt transfers from 1:1 to 4:3 on January 1](https://thetravelsignal.com/s/bilt-is-cutting-hyatt-transfers-by-25-the-1-1-rate-ends-december-31.md)
- [Hyatt adds online point transfers, extending expiration by 24 months](https://thetravelsignal.com/s/hyatt-finally-lets-members-transfer-points-online-heres-how-it-works.md)
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