not that surprising if you think about it. banks do exactly the same thing and bilt is a simply a 3rd party version of it. banks have access to the same info (i guess people are more ok because it's the banks) and use it to generate more income. they also have merchant offers and other promos. the difference is banks tend to work with bigger merchants, which will be applicable to many people regardless of location, while bilt work with neighborhood merchants that are mostly appliacble to people near them. the latter is alot less scalable because they have to recuit their merchants one by one. and in my case, bilt has zero merchants near me, not even dining even though there are tons of restaurants within 20mins by foot from where i lived