Bilt has a product rep on reddit, of all places:

https://www.reddit.com/r/biltrewards/s/yd0l2VrmiH
https://www.reddit.com/r/CreditCards/s/xVP9mVCajT
https://www.reddit.com/r/biltrewards/s/yAGv3jaOVk

OMAAT has a screenshot of the chat bot saying it's okay and has themselves done it, too: https://onemileatatime.com/insights/...lt-mastercard/

as long as you keep it to one ACH payment per month, HOA fees will be just fine. I've been doing it for the last year.