FlyerTalk Forums - View Single Post - 3 new Bilt cards issued by Cardless (Details published 1.14.2026, amended 1.16.2026)

Jan 16, 2026 | 11:14 am

#126

Smiley90

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Quote:

Originally Posted by josephstern

My understanding was that after you use up your Bilt cash to cover x% of your rent/mortgage, you just don't get Bilt points for the remaining y%.

But like everyone else, I haven't seen it in action.

Lots of talk on Reddit about how now that there's no float, a lot of people are going to have to come up with two months worth of rent in one month. Kinda their own problem, but still a problem.

Quote:

Originally Posted by Troopers

I think it's implied int the terms.

https://www.biltrewards.com/terms/bilt-card-offer-terms

Earning points for rent/mortgage payment is determined at time of payment.

So just following this.

Pretend my rent is 2000.
That means my 3% fee is 60 USD.
To earn enough Bilt cash to cover this at 4% earn rate, I need to spend 1500 USD on non-rent spend JUST to cover the transaction fee, correct? So how can you say there ISN'T a 3% transaction fee? There clearly is one.

The easy alternative here is NOT paying a 60 USD monthly transaction fee and NOT having to worry about spending 1500 USD on one specific credit card just to break even on a transaction fee.

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