EDIT: leaving this here so others can learn from it as well. But this has been resolved. Thanks to those who answered quickly now I know that BILT / CARDLESS doesn't do balance transfers.

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So yeah as the title says I might be cooked here.

I did a balance transfer of my bilt balance to my new Bank of America travel rewards card. I also did a balance transfer from chase.

I called bank of America just now to get an update, and they said "Yes we see a balance transfer from Wells Fargo and Chase... and they are pending. It should be done next week"

WELLS FARGO?

Not Bofa can do about that on their end. So im gonna go try my luck in communicating with Bilt support and try to get a response and update about this.

Either way, now I gotta pay interest on the rest of the balance that wasnt paid (because I did this balance transfer) and now my statement period is gonna run through again at a high balance tomorrow. Lol. Worst part is I didn't need to do a balance transfer. I did it just because I could, and I invested the money instead.

I know taxes, including property taxes not included in rent, don’t earn points. What about college tuition? Any other things that may be excluded that you wouldn’t expect? High $$ Costco spend? Looking at getting the Palladium.

My second rent payment of the month(just had to pay a deposit for a new unit) just posted today (last day of this statement window) and now I don’t meet the minimum spend to get the .5x points on my rent. The statement window closes today. Do the purchases I make today contribute to this spending period despite being “pending”? I am very close to the .5 points, and it will be a few thousand points difference. This new system has been so difficult to justify for me :/

Hello all!

I had a question about the relationship bonus with Atmos Summit (Alaskan/Hawaiian Credit Card)
I see that I am getting a bonus for my relationship with BoA but am confused as to how that applies to the points earned for that period. I couldn't get the math to work out. I thought that we get 10% bonus on top of the 3x earned on rent paid through BILT but doesn't seem like the math ends up that way. Can anyone clarify how this is calculated?
Sorry if this has been re-hashed.

Thanks!

https://preview.redd.it/szc32mpb8h2h1.png?width=2232&format=png&auto=webp&s=b20a4c436a0ef8e9a292aa442aec044e95195d51

Hello, are people still facing issues today similar to when the 2.0 cards launched where the applications were being denied for no reason and then approved the next day? Or have the issues settled down and the denial/rejection is not going to be overturned by any means?

After a lot of searching, I couldn't find any way to contact Bilt in any meaningful way for reconsideration. Let me know if there are any useful ways forward.

The card has potential if you use the benefits well, but the company seems like it could go down at any time if they cannot even have proper customer support/processes.

Hey everyone, looking for some advice on our next moves. We have a 3-person setup (myself, wife, and 19yo kid) and we're trying to figure out our strategy for the next 3–5 months once we finish our current Minimum Spend Requirements (MSR).

With the upcoming PayPal Debit nerf hitting in August, we need a strong replacement for our massive Costco and grocery spend.

The Profiles

• Income: $220,000 (Combined)
• FICO Scores: Me: 820–830 | Kid: ~750
• Oldest Account: 13 Years
• Chase 5/24 Status: Me: 4/24 | Wife: 6/24 | Kid: 3/24
• Business Cards: Yes, open to them.

Average Monthly Spend

• Groceries/Costco: $2,000 – $3,000 (Mainly Costco)
• Dining: $100
• Gas: $200
• Non-Category: $2,000 – $3,000
• Travel: Mostly hotels for kid's sports tournaments (15–20 nights/year, within 3-hour drive). Also 4–5 round-trips a year on Breeze Airways for the college kid.

Current Card Inventory

2x Chase Sapphire Reserve (May 2026 - finishing MSR)

1x Capital One Venture X

2x Chase Sapphire Preferred (2024/2025 - planning to close 1 or both)

1x Robinhood Gold (Current 3% catch-all)

1x Chase OG Freedom (Sock-drawered)

1x Chase Ink Cash (Gas only)

1x Marriott Boundless (Early 2026)

1x Citi Costco (Gas only)

1x Hilton Surpass (Kept for Gold Status)

1x Fidelity 2% (Old catch-all)

1x Kroger Card

Discover It (2025)

Capital One Savor (2025)

Capital One Venture (May 2026 - finishing MSR)

Note: 3 PayPal Debits currently being used for Costco/Groceries, but looking to replace.

The Dilemmas & Options We Are Considering

Right now, we are swamped finishing the MSR on two Sapphire Reserves and one Venture card. Once that's done, we need to pivot.

1. The CSP 3% vs RH Gold 3% Question: Is the 3% Ultimate Rewards on online groceries via the Chase Sapphire Preferred actually better than the 3% flat cash back on the Robinhood Gold if we want to target Hyatt transfers for sports travel?
2. Option A (Do Nothing): Just lazy-man it and use the Robinhood Gold for 3% cash back at Costco.
3. Option B (The Easy Button): Apply for the U.S. Bank Altitude Reserve (USBAR). Use Apple Pay/Mobile Wallet at Costco for 3x points (effectively 4.5% back toward travel via Real-Time Rewards).
4. Option C (More Work / Higher Yield): Apply for the Bilt Obsidian Mastercard. Buy $25k in Costco Shop Cards online to trigger the 3x grocery/wholesale category, giving an effective 4.33% back in high-value Bilt/Hyatt points.
5. Option D (The Gift Card Grind): Grab another Chase Ink Business Cash. Hit Office Depot/Staples during fee-free Visa Gift Card weeks, buy VGCs at 5x UR, and use them physically at Costco. Similar to the old PayPal method but more tedious.
6. Side Note: Also considering the U.S. Bank Cash+ strictly to lock down 5% on Utilities and Gym.

What path makes the most sense for our spend profile and goals? Open to any and all suggestions!

Have a big purchase to make an I am approved for the Bilt Palladium card before I accept the offer I would like to know if I can use the card instantly.

Not sure if this question has been asked for I searched, but I didn’t find it so if there’s a sub Reddit already, please navigate me to that page. Thanks in advance.

I was a Bilt 1.0 member, has anyone received any retention offers to join 2.0 other than current sign up bonus? I didn’t care about keeping same card #. Thanks

I just signed up for the highest tier credit card and wasn’t sure how to think about their two bonus reward options:

1. Housing only rewards up to 1.2 5X points. Vs
2. Flexible built, cash every day spent 4% in built cash.

Does anybody have any strong opinions or experience they can share with me? Thank you in advance.

I’ve had a ticket opened for over a month. I am getting very frustrated. I am definitely canceling once it’s resolved because why are yall playing with peoples money like that???

4 business days for a payment to get reflected on your available credit is ridiculously long. Especially when the payments are withdrawn from my checking account the next day. Business days so the weekend is excluded. I know a lot of people got higher CL’s and are fine, but people with lower CL’s end up paying multiple times a week and still hit the limit making the card useless until credit releases. This has been my biggest struggle. Having to put purchases on my Chase card because of this. Chase payments reflect immediately for me.

I did not move from 1.0 to 2.0 as I was in the midst of home buying. I can do my own research but figured I would ask the folks that have been 2.0 holders for a quarter.

Is it worth it?

Do you pay your mortgage through it?

Are you able to make extra (principal only) payments through the card?

Do you even get direct points for mortgage payments? Last I checked it was changing.

Are Obsidian or Palladium cards worth it or should I just be getting a travel card?

Thanks all!

Edit: fellas fellas I'm simply asking for your experience with 2.0 before I dive into research and get the Bilt smokescreen.

And yes it is a little OP laziness

Hi everyone, I am trying to see if getting BILT card is worth it for me. I tend to purely use it for paying my rent, and nothing else.

From what I found, it will still give me 250 points per month for the free version even if I have no other purchases than rent on there.

Currently, I am paying rent with my checking account, so I get nothing back from paying it.

Is it true that there is no processing fee paying rent with BILT? and would it be worth it for my use case?

I’m looking into the Bilt Platinum status match to Flying Blue Gold (the one requiring a 10k point transfer to Flying Blue) and have a question about how the program's backend handles the XP (Experience Points) ledger for this match.

For someone starting with little to no activity in their Flying Blue account:

When Bilt matches you to Flying Blue Gold, does Flying Blue actually credit your account with the baseline XP required to reach Gold (which normally takes 180 XP from scratch), OR do they just flip a software switch to give you Gold status while leaving your actual XP balance at zero?

Essentially, if you complete the match and then follow it up with subsequent XP-earning activities (like flights, partner activity, etc.), does that new XP stack on top of a baseline balance toward the next tier, or are you building your XP from a dead stop of zero?

If anyone who has done the Bilt Platinum match can share how their XP counter and status tracker looked immediately after the match hit their account, I would really appreciate the insight!

I lost my email access. It was a student email and I graduated. I still have my phone number access. I’m trying to get support from BILT to help change the email address on file so that I can login to my account.

I called multiple times via the number on the back of my card. They said they changed it. But it didn’t help. I.e. they changed the email on file for the card, but not for the online portal.

I’m contacting support@biltrewards.com

They replied after two days and asking me to sign up via a link that provides me availability.

The earliest availability is in 2 weeks!

I cannot sign in to my online portal in these 2 weeks. I can’t even pay off my card!

Idk how it’s justified to just passively aggressively delay the process by 2 weeks even when I can give all the information they need right now.

Seems like you need to spend quite a lot to get any point multipliers on rent… at least 25% of monthly rent payment in everyday spend.

I noticed 2x points on Lyft and pharmacy… any other areas worth using Bilt card for?

And how useful are the points?

Are you guys getting credit checked and reported? I was assuming they don't do credit checks for 1.0 to 2.0

Strange thing is the credit check happened on 05/07

I check all blocker options. did not block anything related to Bilt. I got the msg with verification code OK. but not the email. been trying for few hours now.