If you can already pay it with a cc with no fee, then you use whatever card you want.

If you have a fee, then you'd use Bilt's ACH info instead, and they would charge it to your card and give you 1x points for it.

If I may ask, is your mortgage with Wells Fargo? Or some other institution? I saw something elsewhere that suggested it may only work with mortgages with WF so just looking for a consistent/contrary data point. Thanks.
​​​​​​​

Transferred to Hyatt yesterday; took less than a couple of hours for the points to transfer over. Far quicker than my AA transfer from a few weeks ago.

is it possible to transfer my Bilt Reward's point to my spouse or my son's Hyatt or AA account?

or is it possible to share my Bilt Rewards points with my spouse or son's Bilt Account?

With some limitations, it is possible to transfer Hyatt points (after transferring from Bilt) from your Hyatt account to anyone else's: https://thepointsguy.com/guide/transfer-hyatt-points/ Though having done it recently, I can say it can potentially take a bit of time to process.

Getting card and welcome email time frame
 

Wondering what the typical after approval time is to receive the card and the email with the “secret” spend offer. Having 5 days to spend up to $12.5k will want to time it correctly when I apply and hopefully get approved.

Also I don’t see in terms and conditions what the spending can be on, would anything other than rent apply? Or does it have to be in certain categories?

Specifics, just my experience...

Day 1: applied/instantly approved
Day 3: card shipped UPS overnight (email/text notification with tracking number)
Day 4: card arrived (email/text including notification of 5x bonus starting day after card arrival)
Days 5-9: 5x points on all non-rent spend (including estimated taxes)

As noted, the bonus is optimized at $12,500 in spend.

On a completely separate note, Reddit and several blogs are chattering about all the different "rent-ish" categories that the Bilt Rent Account (what they call the ACH payment feature) can be used for to earn points without a CC fee, all based on chatbot responses. The T&Cs allow for exactly one landlord or property management company to be designated for rental payments. Multiple "rent" payments and/or anything that might not pass an audit by the Bilt team are at your own risk--payments may be rejected, points clawed back, account terminated, etc, etc, etc. This is a great card for free...ability to transfer to AA and Hyatt are standout features, IMHO. In addition, this card seems to be handing out generous credit limits.

Take it with a grain of salt, but a Reddit user is claiming that the 5 days/5 x period is over:

https://www.reddit.com/r/biltrewards...tion_does_not/

But I will say that my experience was the same as NYC Flyer's. $12,500 in spend was the sweet spot.

I think before last summer (when few people had even heard of this card) the bonus was 10x for 5 days. Now that this card is getting a lot of coverage, I’m not surprised to see that they no longer feel the need to offer any SUB whatsoever. But there are still a lot of great promos with Rent Day, and they continue to build out their points ecosystem. I received bonus points the other day under their new dining program for a restaurant in my neighborhood, and I wasn’t even aware that the restaurant was participating in the program.

Agreed - this is really a great sleeper card. For me, I use it for dining and heavily on Rent Day, but since my wife has an account also, she uses it when traveling outside the US as her main card. It's pretty much as good as any other no-annual-fee card abroad once you take the no-forex fees into account.

Plus the random perks like the dining you mentioned. I can't use the Hyatt match and I probably won't do the AF transfer bonus, but I wish I had been on-board with the United status match. And I hope more good things will come.

They have some really fresh ideas on how to keep me engaged. They really seem to have come at this from a new perspective.

Also: I don't rent. I do put a very small HOA fee on one card, but that's barely a blip.

Edit: the extra Lyft points. 10x on Sapphire plus 2x here. Why not? Another win for these guys.

I would use one of my 5/24 slot for this IF "grocery" was one of the earning multiplier categories and this is only because of their transfer partner with AA. You already can pay your mortgage with any credit card, but this only IF YKYK.

How quickly do Bilt points transfer to AA and UA. Can you transfer to AU accounts?

Amex/Chase can transfer to UA (united) so I don't know why would you even be thinking about this transfer w/ Bilt.

Amex does not transfer to UA. For some time, Chase/UA and Citi/AA have been exclusive (as well as Chase/Hyatt). Bilt absolutely offers unique transfer flexibility across some desirable points currencies.

I was thinking about Avianca with Amex for United flights. I agreed to certain extend that Bilt has some unique transfer partners, but harder to accrue points due to no SUB.