r/biltrewards

New Bilt Cash Redemptions: Bilt Members with an active Equinox membership can link their accounts and redeem Bilt Cash toward spa treatments, Studio Pilates, or Personal Training sessions. Redemption amount depends on your Bilt status:

Bilt status	Minimum Bilt Cash redemption	Maximum Bilt Cash per Equinox credit	Maximum annual redemption
Gold or Platinum	$50	$150	$300
Silver	$50	$100	$200
Blue	$50	$75	$150

The sad part here is that you need to have an active Equinox membership to use these Bilt Cash redemptions... i do not have one and will not be getting one lol so this is essentially moot

For Bilt Members newly joining Equinox: Members must enroll in an Equinox membership through Bilt and link their accounts. They can then choose one of the following one-time benefits:

• 10,000 Bilt Points
• A complimentary 50-minute Equinox Spa session
• A complimentary one-hour Personal Training session

I suspect this would stack with Amex Plat's $300 equinox credit. Not sure if it stacks with other Equinox promos offered outside of Bilt

Sweepstake: Every check-in to your Equinox is an entry to win, up to one check-in per day. 1 Member will win a month of free rent & Equinox dues, and 10 Members will win a choice of a complimentary 50-minute spa service or a Personal Training session. Winners will be selected on the first of each month through October 1st

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what are your thoughts on this new partnership?

Am I going to see it next statement?

Hello Everyone,

I’m pretty new into the world of Credit Cards and have been trying to set up a nice wallet for my self.

I recently got the Venture X card as my Travel/catch all card, and would like to choose Bilt as my next card

Right now, I have:

Venture X: Catch all/Travel
CSP: dining/streaming and Lyft
Costco Visa: Mostly Gas… and membership card
Apple Card: Don’t use as much, mainly for Apple products and some other things

Now the question…

Should I be choosing Bilt obsidian for Groceries/rent? Or maybe a palladium? Everyone talks about the palladium but no one seems to talk about the obsidian.

I was wondering if anyone out there has a similar setup and see if you could share any insight. Thank you in advance!

Palladium user here. By the end of August I will have expended all 5 of my point accelerators. I have enough Bilt cash to fund my next three months of mortgage unlocks. I'm holding about 127k Bilt points as well. I've already spent about 47k Bilt points this year.

I'm likely to use this card much less after the point accelerator expires. I'm curious to Bilt's decision to limit the point accelerator to $25k. I realize they couldn't make it unlimited at 3x. That wouldn't be sustainable. It seems like it incentivizes users to spend up to $25k and de-incentivizes them to spend above $25k.

I've loved this card for the mortgage unlocks and it simplified my setup. I was getting about 3.5 cents per point on my spend when you consider rent day bonuses and mortgage unlocks with the accelerator activated. It made it simple, unless I could get 5x or more back on another card, I just used the Palladium. I know that "it made it simple" comment will trigger some. But it's true. I could always default to the Palladium card and not feel like I was missing out on points.

I now have the Robinhood Gold card and I think I'm going to switch a lot of my catch-all spend to that card. I'm thinking that Bilt is missing out on potential swipes by limiting the accelerator to $25k.

Just a thought. Has anyone used this card less after meeting the $25k limit?

Switched over from Bilt 1.0, ended up on Blue, sitting on 11.5k leftover points. Rent’s ~$4.1k, other spend is ~$2k+/month, and right now that other spend goes on 2–3% cash back cards instead of Bilt.

Trying to figure out if Obsidian or Palladium’s AF actually pays for itself at this spend level, or if Blue (just for the fee-free rent payment) + cash back elsewhere is the smarter play.

Anyone run these numbers for a similar rent/spend range? Curious what tier you landed on.

Thank you so much in advance as I know similar topics have been discussed plenty here

I am new to Bilt as of yesterday, and I have some questions. If there is a Bilt FAQ somewhere that somebody can direct me to instead of answering my questions, that would work for me too!

First of all - how does Bilt make their money? This all seems like smoke and mirrors and a bunch of flim-flam ... but then again, I am old and maybe not fully understanding this new-fangled fintech platform. I see that there's a 3% transaction fee, which seems like it can be avoided by paying via ACH through the other portal. But part of me thinks - they need *something* from me. What is it that they want from me? Is it just the transaction fee, or are they mining my spending data? Or something else?

I am an Alaska Airlines Summit card holder and that is the card I have hooked up to Bilt. I am using this card to pay rent through ACH to my landlord's portal. Is this the smartest way to do that?

I also have a mortgage through Rocket Mortgage that is currently not set up through Bilt. I could move this to Bilt if there was an advantage to doing so. If I am reading correctly, I would need to sign up for the Bilt 2.0 card to do this - is that right?

Any other pro-tips? I am here to LEARN!! (and to earn mileage but mostly to learn) Thank you.

I applied for the Palladium, got denied, but was approved for the Obsidian and Blue cards. I called the reconsideration line and they said to wait for the offer to expire in 30 days and then reapply.

Has anybody gotten approved for the Palladium after being denied? I'm considering applying for the United Club card in the meantime since I have a targeted SUB offer of 100K miles that expires this weekend.

Already rejected twice because they can’t verify my identity. The ONLY bank I have this problem with.

Anyone had any luck talking to a human with a brain or the CEO? Anything helps.

Hi I’m trying to plan a trip from Miami to Sicily (preferably Catania airport) and I can’t seem to find any reasonably priced flights in $ or points. Look to travel around oct 1-13 2026 with some flexibility.

I have the most Amex points (platinum) also chase, BILT and capital one points. I also hold a citi AA card and Wells Fargo but not many points there. At this point I’m willing to open a new card to get a decent flight ideally not in economy. I’ve been looking for months with not much luck. Any tips and advice is greatly appreciated! TIA

I have to make my first mortgage payment Sept 1st, we have untied wholesale mortgage and they are encouraging to pay through bilt. I am a palladium card holder. when I go to make my payment it asks if I want to use my palladium card or my bank account that I have in there to pay the credit card bill. I am assuming I select the palladium card to get the points? but then it is asking to confirm, I haven't hit confirm yet, I am assuming once I do that it will ask what bank account to use to pay the mortgage? or do they just use the account I have in there to pay my credit card bill? They don't make this easy, any help would be appreciated. Oh and do I need to do something to get the points or since I have enough bilt cash in there they will just take the cash and give me the points. they need a guide on how to do this lol

I have now accumulated more Bilt Cash than I need for paying rent for the rest of the year. I will almost certainly have more Bilt Cash than I could use before most of it will expire by the end of the year. What are my options. It would be good if Bilt let us convert Bilt Cash into real cash at some point. Any other ideas? Seems pretty unfair to have hard earned Bilt Cash to expire. Maybe senator Warren can help us.

I have been thinking about getting the BILT palladium card after waiting to see how BILT fared in 2.0

My only concern is usage of other cards. I currently have the Robinhood Gold as my 3% catch all, and I use the Atmos Ascent as my 3x rent card via BILT. (I know there’s a 3% fee, it’s not too bad as I value AS points very highly and you get 3x even on the 3% fee).

I value BILT points highly as well, but I wouldn’t be using it for my rent spend at all.

Also open to other recos in the BILT environment.

Hi all! I’m wondering if anyone else has experienced something similar and knows how to get around the 2-step verification?

I’m out of the country and can’t receive texts or phone calls from BILT, so I tried to login using my email. However, it still wanted to send me a text/call to double confirm my identity (I guess). So now I can’t login and I need to pay my card in a few days 🥲 Also, it looks like the only wya to contact them is through the app, which I can’t log into 🫠

Please let me know if you have any ideas of how I can get into my account!

I know you can't register a guest (which seems dumb), but has anyone brought one anyway and gotten them in? I'm registered for the Chicago event this week and debating if I should just try to show up with a friend and see if they just let him in.

Was the event fun, or just kind of weird cause you're hanging with strangers?