I navigated to this thread because I tripped over Bilt in a weird way. I pay the rent on my girlfriend's apartment and they require it to be paid through Bilt. Now, I have done all the rewards tricks, in the past 15 years I'd estimate I've earned $100-$150K cashback and 4-5 million miles. I'm currently semi-retired (from point accumulating) and run almost everything through a 2% cashback or a 5% back on gas card. A few hundred or even thousands of points won't really move the needle for me.

Now here is the weird part. The rewards are 250 points per payment. I initially made 2 $1 payments (one from each linked checking account) as a text, and got 250 points for each.

Of course I'm not going to try doing 1000 $1 payments, but I might do four payments per month. As I said, it doesn't really move the needed, but free points are free points!