Have Bilt card by Wells Fargo with $30k credit line.
More info if anyone is interested.

1. I pay MORTGAGE with it for last 3 months (using ACH). Getting the 1% points no problems.
2. I pay HOA similarly using ACH. Getting 1% points.
3. You can add authorized user if you want to via Wells Fargo website.
4. You CAN transfer points not just to yourself (at least I was able to add my wife's Hyatt account, while I did NOT add her as authorized user, but I haven't validated the points transfer. Just can confirm that the app allowed to link it). Bilt support told me that if you add an authorized user, then for sure you shouldn't have any problems with points transfer. For example, with Citi you cannot transfer points to authorized users.