r/biltrewards

I'm planning on moving into a new apartment with my girlfriend and thought the BILT card would be a good way to earn points on rent. We plan on using the BILT card to put all of our home recurring bills on and rack up points to use for traveling.

I've seen a lot of wordy posts with the different tiers and benefits and all that jazz, but I just want to know in layman's terms if the BILT Blue card would be good for earning some type of points on rent. Our rent payment is around $3k and we thought we would put our joint expenses all on that same card... but if that isn't worth it and those points on bills, groceries, etc. would be better put to use on another card, I'd love to get people's honest opinion. TYIA!

Trying to save up as many points as possible to travel to Australia for the Rugby World Cup in October 2027. What can I do to rack up as many points as possible? I have both a mortgage and rent going through the card, and it's the main card I use. Thanks.

Has BILT released any additional information on 1) if we will be able to and 2) if so, how to downgrade from Palladium to Obsidian or Blue at EOY? I know there was not much clarity regarding this at drop so curious if anything else has dropped.

Has anyone else been less-than-impressed with BILT since the transition from the 1.0 card to the 2.0 card? When they first announced the change, it sounded exciting, but I’ve had several issues that have soured my experience.

• During the transition, my credit limit was cut by 40%. I don’t know how much control they had over it, but the CEO sent an email saying they had received a number of complaints and were looking into it, but I never saw an update.
• They removed a feature that was one of the top selling points of the previous card. Due to the cadence of my paychecks, I enjoyed having the flexibility of keeping the rent payment on the card balance for a few days if needed until my next paycheck. It was a nice safety buffer. With the new card, however, they take the money out of your bank account within 24 hours, and it’s no longer optional. The company has been leaning so hard into the rewards side of their service lately that they seem to have abandoned the convenience aspect of paying rent with a credit card without a fee.
• This one is partially on me for not paying closer attention, but I found their new points/cash/rewards system very confusing to understand. With BILT 2.0, I thought I could keep earning points on rent payments without changing anything, but apparently my account got set to the BILT Cash option during the transfer, so I went several months without earning any points from rent payments before I realized what was going on.

I hope things improve over time, but I’m not impressed so far with 2.0.

Mastercard said that BILT 1.0 did not include the benefit of extended warranty.
Wells Fargo has this on their website: https://www.wellsfargo.com/credit-cards/documents/bilt-benefits/?utm_medium=www-redirect&utm_source=credit-cards--bilt--guide-to-benefits
(Your Guide to Benefits describes the benefits in effect as of 09/15/2025.). -- What about before 9/2025?

I could've swear that it did include the extended warranty benefit. Am I crazy? Does anyone have the original documentation by chance?

Trying to find out what charges to put on Palladium and what to put on other cash back credit cards to get the best rebates. With Palladium giving 2x points on everyday purchases, it seems to me any credit cards offering 3% or less cash back is not going to beat it. This is based on google claiming bilt points is worth $0.018-0.022.

Is this correct?

I just got Bilt Platinum status and was looking into the new Flying Blue Gold status perk. It says it needs me to transfer 10k points to activate the status and transfer to Flying Blue. Is this worth it? I don’t really fly Air France but not sure if there’s other hidden benefits for activating it?

What are the possible reasons to keep the Bilt blue if I have a robinhood gold card?

Hey everyone, need some advice here. On June 15, I booked a 2-night stay via Bilt Travel Portal specifically to use my $200 first-half hotel credit before it expired on June 30. I am 100% sure I toggled it on, but the portal glitched, charged my card full price ($385.38), and let my credit expire.
I contacted support. First, they gave me the standard "it's expired" boilerplate. After I pushed back with exact timestamps, a concierge named Nikki replied saying they can't find the IT error, but "as a courtesy" they offered to apply my CURRENT (second-half) $200 credit to my past June stay.
This is ridiculous! That means I would completely lose my credit for the second half of 2026. It’s not a resolution; it’s just robbing Peter to pay Paul for their own system failure. I replied explaining this, and now support has completely ghosted me and stopped replying to my emails.
Has anyone dealt with this? u/biltrewards can someone from the senior team please look into this and issue a proper $200 Statement Credit without touching my current benefit?

Hey y’all. I have been using the housing only rewards since 2.0 came out, so I’m curious if I switch over to the Bilt cash option, do I still need to pay my rent through Bilt to be eligible to earn 4% Bilt cash on all other purchases?

I’m curious because my apartment complex uses Amenify which is a rewards program, and if I pay rent on my debit card 4 times rather than an eCheck which it classifies the Bilt payment as, I can get nearly $20 worth in gift cards per month.

Just wanted to find out if by doing this I would essentially be losing out on points/Bilt cash for 4 months, or am I still able to earn when not paying rent through Bilt?

[If your loan was recently moved by UWM to BILT, check your statements to make sure they didn’t double charge you.] UWM moved my loan servicing to Bilt in May. I recently received a letter from UWM stating I have a shortage in my escrow balance and they are going to add that amount to my monthly payment for the next 12 months. This is very weird because nothing in my payment/escrow amount changed (only PMI is in escrow). I looked at my most recent escrow account statement, which shows two disbursements were made in May, resulting in the negative balance. Has anyone else had this issue? Is this Bilt’s or UWM’s mistake?

Sitting on an 800+ FICO and my job has me on the road at least twice a week (flights, hotels, meals, Ubers, the whole deal). Been running most of that on my current daily driver but the transferable points game on Bilt has me curious.

The welcome offer looks solid at first glance, 50k Bilt Points + Gold status after $4k spend in 90 days, plus $300 in Bilt Cash on approval. For someone hitting that kind of travel volume, the $4k min spend is basically a week of expenses so it's not gonna be a stretch.

Anyone actually running this as a daily driver?

Lost my card in the airport at the start of a month long trip (nothing exotic, just visiting my parents domestically). App and website were erroring out when trying to get my card sent to my parents address. I called Cardless and they confirmed they can only send a replacement to your billing address. I was surprised by this (well, not actually), especially for a travel card. So if you're doing any kind of travel, definitely make sure you have a backup because Cardless will not help you out at all.

Bilt Palladium cardholder. I was trying to check into a hotel that I booked through the Bilt portal, with the intent of using a $300 Bilt Cash credit. My card was declined repeatedly, but no fraud alert, and when I called Cardless, their response was, well it’s pending on our side, so it’s a merchant POS issue and not a card issue. Okay—but when I finally got fed up after the 8th decline and used my CSR to pay instead, the transaction went through immediately. So thanks, Bilt/Cardless, looks like it wasn’t the hotel’s problem after all. I’ve never had this happen to this extent on any other premium cards (CSR, Amex Plat, Venture X). Very disappointing and frustrated.

Title. If I selects the bilt cash option (instead of points on housing) and I pay rent through bilt, do I earn points on my rent spent?

I have been searching a lot but I'm not finding the answers.

So my mortgage was literally written and immediately sold to United Wholesale Mortgage who partners with Bilt to pay the mortgage.

In the Bilt site, my payment options are:

• Credit - 3% fee, earn 1 point per $2
• Debit - $9.95 fee, earn 250 points
• ACH (Plaid or manual) - no fee, earn 100 points

.

Question 1: Does the 3 transaction limit per rolling 30 days apply for mortgages or is that only for rent?

Question 2a: If the answer to question 1 is "no", is there is minimum payment that is required to earn the 100 points? Could I make 40x$100 payments and earn 4,000 points on a $4,000 monthly payment or is it only 100 points on the full monthly contractual payment?

Question 2b: Also if question 1 is "no", are 100 points earned on ACH payments towards principal? Could I make a ton of $100 principal payments and earn 100 points each?

Question 3: Is there any value to getting the Bilt credit card in my situation? I'm not getting charged a fee for Plaid-connected ACH payments. Would the Bilt credit card come with a lower credit fee? Would I earn double points with the Bilt credit card since the mortgage is directly serviced with Bilt?

Hi everyone,

Proud owner of Bilt Obsidian (wish it was Palladium ;-;) and I just hit my $25k spend and got my $50 Bilt Cash and I think am ready to activate Point Accelerator. My question is, “on your next $5,000 of everyday purchase”. I do not travel much; however, I do use my card for groceries once a month. When activating the point accelerator, do you get the same points no matter your category (treat it as a buffed up rent day?)

Thanks in advance!