# Rakuten Lowers Bilt Points Conversion Ratio for Non-Elite Members

_May 17 10:25_

Tags: Bilt, Rakuten, Bilt Blue Card, loyalty program, policy change, credit card, elite status, partnership, program change

Rakuten has changed its Bilt points conversion ratio for non-elite members from 1:1 to 2:1, meaning they earn half as many Bilt points for the same cash back amount

## Summary

Rakuten updated its partnership terms with Bilt, specifically altering the conversion ratio for Bilt Blue (non-elite) members. Previously, these members received a 1:1 ratio where every $10 in Rakuten cash back equaled 1,000 Bilt points. The new ratio is 2:1, meaning every $10 in cash back equals only 500 Bilt points. This change applies to payouts through May 15, 2026. Elite members (Silver, Gold, Platinum) retain the 1:1 ratio. Points earned via this partnership do not count toward Bilt elite status. The change effectively halves the Bilt earning rate for the majority of Bilt users shopping through Rakuten

## Why it matters

Card-issuer angle via American Express, Bilt.

## Sources cited

- [One Mile at a Time](https://onemileatatime.com/guides/bilt-points-rakuten) — How To Earn Bilt Points With Rakuten For Online Shopping, And Is It Worth It?

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