Oct 7, 2023, 1:25 pm
Last edit by: Dr Jabadski
Bilt Rewards Mastercard WikiPost
(10/7/23 Original author (Dr Jabadski) note: As I posted here on 9/9/23 Considering Ive been salivating about simple no-cost points-etizing (like monetizing) my condo payments for about 25 years, I see Bilt as a game changer. I should have added almost a Holy Grail (a thing that is eagerly pursued or sought after). I successfully applied for a Bilt Mastercard 1 month ago thus Im far from an expert. Both before and after approval I posted multiple questions many times on this thread and several other FTers were highly gracious and informative. Thought a WikiPost might save some others a good deal of time, effort and aggravation, at least in not repeating my questions and searching for the answers. I certainly hope the experts will edit and update this WikiPost as necessary. Im also exercising Writer's Prerogative to officially coin the term pointsetize, like monetize convert into or express in the form of currency, to earn points from payments which otherwise would not earn points.)
Bilt Rewards Mastercard (Bilt MC) was first launched in mid-2021, in good part as a no fee way to charge and pointsetize rent payments. (Perhaps the only no fee way to pointsetize rent payments.) There are multiple reports of earning Bilt points for paying condominium monthly maintenance/common charges, sometimes even when the word condo or condominium is in the transaction description.
Bilt MC is a personal credit card, WF reports credit card information to the various credit bureaus and Bilt MC will count toward Chase 5/24.
This post and this post (both from 9/7/23) describe shutdown reports perhaps related to micro transactions, fluctuating rent payment amounts or multiple rent payments. This 10/11/23 post includes several references to Reddit user quotes about shutdowns and several Reddit Bilt quotes in response.
Linksto Bilt Rewards Terms of Use and Evolve Bank & Trust (Bilt Technologies) Customer Account Agreement. The Terms state Bilt may make available to you a Bilt Rent Account (Account), which is a transaction bank account that can be used by you solely to make rent payments. The Agreement states: For the avoidance of doubt, the Account is a transaction bank account that can be used by you solely to make rent payments. For the avoidance of doubt, this is not an account that you may use to deposit or withdraw funds for any other purposes outside of rent payments.
Bilt MC is a metal card weighing ~16 grams (comparisons: AmEx biz plat 18.5 gm, AmEx Gold 15 gm, Chase Sapphire Reserve 13 gm, traditional plastic card 5 gm).
Bilt Mastercard is issued and managed by Wells Fargo. Bilt Rewards is a separate website and app (which contains some credit card information but not as much as WF website).
Most reports are of instant approvals, Wells Fargo reconsideration phone number and experiences are not well documented. Reported initial Credit Limits vary $4,000 - $30,000 with higher limits more commonly reported. This post (9/1/23) describes one instance of a Something went wrong message upon application and the steps toward approval several days later.
In March/April 2025 Bilt initiated a new and different process for paying rent and HOA fees which requires preauthorization and/or "auto-pre-authorization" within 5 days of payment.Rent payments can be made in multiple different ways. Bilt will provide a (bank) routing number and account number. ACH rent payments can be sent (deposited) by Bilt or withdrawn by a managing company.
Bilt MC is shipped via trackable no-signature-required First Class mail in a small (4.5 x 6.5) white box with unique packaging inside as pictured at the bottom of this post. As of Feb 2024 no reports of expedited shipping.
Reports on this thread starting in late November 2023 indicate this "quasi-SUB" may be offered randomly and/or only to some people, selection criteria unknown. This post may be the only report of being offered the quasi-SUB prior to Bilt Mastercard application, based on existing Bilt Rewards account. Bilt's quasi-SUB" is offered via an email and a text message notification the same day as card receipt informing of 5x/5 days/max 50K (email quoted verbatim in this post). (Quasi* due to very short duration in contrast to many traditional SUBs of 3 month duration.) Please note this quasi-SUB maxs out at $12,500 (not $10,000) and tax payments will count. No reports yet of returns and their effect on quasi-SUB. (* quasi- a combining form meaning resembling, having some, but not all of the features of, used in the formation of compound words: quasi-definition; quasi-monopoly; quasi-official; quasi-scientific.)
Newly earned Bilt points will display as pending until 5 transactions per statement cycle. After 5 transactions, points will post and become available shortly after a transaction, before statement date. The Bilt Rewards website has a transaction counter which disappears upon reaching 5.
Bilt points for linking partner programs (100 points each) and for adding a credit card to Bilt Wallet (100 points each for first 3) post immediately. Original author received 500 point bonus for first rent payment.
Bilt Rewards points are transferable at 1:1 usually within a few minutes to multiple different airline and hotel programs.
Theres discussion of the long term viability of Bilt with some of those posts linked at the bottom of this post after BREAK.
Bilt Status Tiers: Blue - anyone enrolled in Bilt Rewards with under 25,000 points, Silver - 25,000 points earned, Gold - 50,000 points earned, Platinum - 100,000 points earned. Tier status earned at any point in a year remains active through the end of the following year. Earn Interest on Points (Silver, Gold, Platinum Tiers) is minimal, discussed on this post and this post.
Bilt Points Quest Trivia was discontinued as of July 2024.Bilt Points Quest Trivia on the first of each month offers up to 250 points for correctly answering, within 10 seconds, 6 (out of 15-20) questions. Must get first 5 questions (10, 20, 30, 40, 50 points) correct to see the 6th bonus 100 point question. Theres often a Reddit thread with the Q & A. (Point Quest - October 2023 Answers) The lower half of this post has comments from a highly experienced test taker regarding memory, recall and studying for Points Quest Trivia.
Bilt Rent Free may also have been discontinued in 2024 or 2025.Bilt also has various RentFree games, available a few days prior to and/or on the 1st of the month, different people get different games. Could be a Family Feud style question with enough time to Google answers or a Where's Wally? (Bilt Brick) type of game or something else. Successful completion enters to be one of 3 people for whom Bilt pays their monthly rent (up to $2500).
List of Bilts Rent Day promotions going back to October 2022 at the bottom of the page here: DEALSPOINTS.
June 2024: Bottom of this post describes one persons experience paying a significant assessment (and earning points) with Bilt MC, at this time (only 3 weeks later) no report of clawback or shutdown (based on using Bilt to pay rent more than once a month and/or for something other than rent/condo fees).
June 2024: Bottom of this post contains Bilt quotes regarding Bilt BiltProtect.
June 2024: Important post (and link) stating that WF is losing money every month on Bilt.
(10/7/23 Original author (Dr Jabadski) note: As I posted here on 9/9/23 Considering Ive been salivating about simple no-cost points-etizing (like monetizing) my condo payments for about 25 years, I see Bilt as a game changer. I should have added almost a Holy Grail (a thing that is eagerly pursued or sought after). I successfully applied for a Bilt Mastercard 1 month ago thus Im far from an expert. Both before and after approval I posted multiple questions many times on this thread and several other FTers were highly gracious and informative. Thought a WikiPost might save some others a good deal of time, effort and aggravation, at least in not repeating my questions and searching for the answers. I certainly hope the experts will edit and update this WikiPost as necessary. Im also exercising Writer's Prerogative to officially coin the term pointsetize, like monetize convert into or express in the form of currency, to earn points from payments which otherwise would not earn points.)
Bilt Rewards Mastercard (Bilt MC) was first launched in mid-2021, in good part as a no fee way to charge and pointsetize rent payments. (Perhaps the only no fee way to pointsetize rent payments.) There are multiple reports of earning Bilt points for paying condominium monthly maintenance/common charges, sometimes even when the word condo or condominium is in the transaction description.
Bilt MC is a personal credit card, WF reports credit card information to the various credit bureaus and Bilt MC will count toward Chase 5/24.
This post and this post (both from 9/7/23) describe shutdown reports perhaps related to micro transactions, fluctuating rent payment amounts or multiple rent payments. This 10/11/23 post includes several references to Reddit user quotes about shutdowns and several Reddit Bilt quotes in response.
Links
Bilt MC is a metal card weighing ~16 grams (comparisons: AmEx biz plat 18.5 gm, AmEx Gold 15 gm, Chase Sapphire Reserve 13 gm, traditional plastic card 5 gm).
Bilt Mastercard is issued and managed by Wells Fargo. Bilt Rewards is a separate website and app (which contains some credit card information but not as much as WF website).
Most reports are of instant approvals, Wells Fargo reconsideration phone number and experiences are not well documented. Reported initial Credit Limits vary $4,000 - $30,000 with higher limits more commonly reported. This post (9/1/23) describes one instance of a Something went wrong message upon application and the steps toward approval several days later.
In March/April 2025 Bilt initiated a new and different process for paying rent and HOA fees which requires preauthorization and/or "auto-pre-authorization" within 5 days of payment.
Bilt MC is shipped via trackable no-signature-required First Class mail in a small (4.5 x 6.5) white box with unique packaging inside as pictured at the bottom of this post. As of Feb 2024 no reports of expedited shipping.
Reports on this thread starting in late November 2023 indicate this "quasi-SUB" may be offered randomly and/or only to some people, selection criteria unknown. This post may be the only report of being offered the quasi-SUB prior to Bilt Mastercard application, based on existing Bilt Rewards account. Bilt's quasi-SUB" is offered via an email and a text message notification the same day as card receipt informing of 5x/5 days/max 50K (email quoted verbatim in this post). (Quasi* due to very short duration in contrast to many traditional SUBs of 3 month duration.) Please note this quasi-SUB maxs out at $12,500 (not $10,000) and tax payments will count. No reports yet of returns and their effect on quasi-SUB. (* quasi- a combining form meaning resembling, having some, but not all of the features of, used in the formation of compound words: quasi-definition; quasi-monopoly; quasi-official; quasi-scientific.)
Newly earned Bilt points will display as pending until 5 transactions per statement cycle. After 5 transactions, points will post and become available shortly after a transaction, before statement date. The Bilt Rewards website has a transaction counter which disappears upon reaching 5.
Bilt points for linking partner programs (100 points each) and for adding a credit card to Bilt Wallet (100 points each for first 3) post immediately. Original author received 500 point bonus for first rent payment.
Bilt Rewards points are transferable at 1:1 usually within a few minutes to multiple different airline and hotel programs.
Theres discussion of the long term viability of Bilt with some of those posts linked at the bottom of this post after BREAK.
Bilt Status Tiers: Blue - anyone enrolled in Bilt Rewards with under 25,000 points, Silver - 25,000 points earned, Gold - 50,000 points earned, Platinum - 100,000 points earned. Tier status earned at any point in a year remains active through the end of the following year. Earn Interest on Points (Silver, Gold, Platinum Tiers) is minimal, discussed on this post and this post.
Bilt Points Quest Trivia was discontinued as of July 2024.
Bilt Rent Free may also have been discontinued in 2024 or 2025.
List of Bilts Rent Day promotions going back to October 2022 at the bottom of the page here: DEALSPOINTS.
June 2024: Bottom of this post describes one persons experience paying a significant assessment (and earning points) with Bilt MC, at this time (only 3 weeks later) no report of clawback or shutdown (based on using Bilt to pay rent more than once a month and/or for something other than rent/condo fees).
June 2024: Bottom of this post contains Bilt quotes regarding Bilt BiltProtect.
June 2024: Important post (and link) stating that WF is losing money every month on Bilt.
Bilt Mastercard
Sep 12, 2023 | 11:55 pm
#346
FlyerTalk Evangelist
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If they offered a significant transfer bonus to Hyatt, wouldn’t they “suffer” an immediate and massive outflow of cash to pay for those points as presumably everyone would drain their Bilt account? I just don’t see that happening.
While 100% to Flying Blue is probably quite nice for those who are familiar with FB, I suspect that the vast majority of Bilt customers has never redeemed a FB award and thus might not jump on it. And 100% to IHG is, uh, still resulting in IHG points.
While 100% to Flying Blue is probably quite nice for those who are familiar with FB, I suspect that the vast majority of Bilt customers has never redeemed a FB award and thus might not jump on it. And 100% to IHG is, uh, still resulting in IHG points.
Sep 13, 2023 | 8:00 am
#347
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,595
If they offered a significant transfer bonus to Hyatt, wouldn’t they “suffer” an immediate and massive outflow of cash to pay for those points as presumably everyone would drain their Bilt account? I just don’t see that happening.
While 100% to Flying Blue is probably quite nice for those who are familiar with FB, I suspect that the vast majority of Bilt customers has never redeemed a FB award and thus might not jump on it. And 100% to IHG is, uh, still resulting in IHG points.
While 100% to Flying Blue is probably quite nice for those who are familiar with FB, I suspect that the vast majority of Bilt customers has never redeemed a FB award and thus might not jump on it. And 100% to IHG is, uh, still resulting in IHG points.
.List of Bilt’s Rent Day promotions going back to October 2022 at the bottom of the page here: DEALSPOINTS.
… Not sure of the significance of Silver status, unlikely that I’m in a “participating properties”, be interesting to see what “Interest earned on points” amounts to….
- “Close to zero. It's not worth even thinking about. It's a gimmick. … the interest rate is the published FDIC National Savings Rate. … a weighted average of all rates, from the 4%+ at the most aggressive banks to the 0.01% at the BofAs of the world. … current rate is 0.33%, .. earn a whopping 33 points, PER YEAR for every 10,000 points”
- “earned 6 points last month on 25k points, which is 72 points a year or 29 points per year per 10k points”
-“Practically nothing. I got 8 points on around 33k points this month. Don't bother thinking about it.”
Last edited by Dr Jabadski; Sep 13, 2023 at 8:24 am Reason: interest rate quotes added
Sep 13, 2023 | 8:53 am
#348
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,684
Agreed on the interest BS. In my mind, they'd be better off not offering that at all rather than doing it in such a pathetic fashion.
Sep 13, 2023 | 7:17 pm
#349
Join Date: Apr 2023
Posts: 9
Bilt transfer
Hi guys, does anyone know if the name one both end has to be matched when using bilt transfer points to partners airline program?
Sep 21, 2023 | 7:35 pm
#350
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,595
How and when does BILT announce the monthly Rent Day promotion? Thank you.
Sep 21, 2023 | 8:03 pm
#351
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
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Posts: 51,874
This may help while waiting for a more knowledgeable reply: https://www.biltrewards.com/editoria...at-is-rent-day
Each month we drop the Rent Day tab in the app and on the web leading up to the 1st, so be sure to check in to see what weve got for you.
Sep 22, 2023 | 8:19 am
#352
FlyerTalk Evangelist
Join Date: Jul 2006
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Sep 23, 2023 | 12:11 am
#353
Join Date: Feb 2023
Posts: 98
Have Bilt card by Wells Fargo with $30k credit line.
More info if anyone is interested.
1. I pay MORTGAGE with it for last 3 months (using ACH). Getting the 1% points no problems.
2. I pay HOA similarly using ACH. Getting 1% points.
3. You can add authorized user if you want to via Wells Fargo website.
4. You CAN transfer points not just to yourself (at least I was able to add my wife's Hyatt account, while I did NOT add her as authorized user, but I haven't validated the points transfer. Just can confirm that the app allowed to link it). Bilt support told me that if you add an authorized user, then for sure you shouldn't have any problems with points transfer. For example, with Citi you cannot transfer points to authorized users.
More info if anyone is interested.
1. I pay MORTGAGE with it for last 3 months (using ACH). Getting the 1% points no problems.
2. I pay HOA similarly using ACH. Getting 1% points.
3. You can add authorized user if you want to via Wells Fargo website.
4. You CAN transfer points not just to yourself (at least I was able to add my wife's Hyatt account, while I did NOT add her as authorized user, but I haven't validated the points transfer. Just can confirm that the app allowed to link it). Bilt support told me that if you add an authorized user, then for sure you shouldn't have any problems with points transfer. For example, with Citi you cannot transfer points to authorized users.
Sep 26, 2023 | 9:23 am
#354
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,595
). Get all 5 correct, get a 6th worth another 100 points, thus 250 total points possible if all 6 questions answered correctly. As a Bilt nugget*, I’m not sure if one person has more than one chance to answer all 6 questions correctly, from the description it seems like that might not be true.250 points isn’t a lot but it’s a marathon, not a sprint and the longest journey starts with one step
.From 2011 to 2013 Thread: Audience Rewards trivia questions answers for Starwood Delta, and U.S. Air was very active, sometimes for only 2 points per question. (Much as it was an “advantage” at the time, I certainly don’t long for** Kandahar Afghanistan again
.) Perhaps this or a different thread should do the same thing for Rent Day trivia, especially if we each only get one shot at the answers.BTW, on the Bilt app I just saw a Family Feud style question to be entered to win free rent. “Things New Yorkers consider normal.” Took me a minute or 2 to think of 3 correct answers: Rats, Subways, Walking Fast. The other 3 are: Bodegas, Being Rude, Jaywalking. Doesn’t speak well that my first answer was “rats” and one of Bilt’s answers is “being rude”. As a near-lifetime NYer, point of order, it’s not “rude”, it’s (more accurately described as) “abrupt” or “rapid”
. (As a complete FF points and miles monger, the most important question is, if you win the Free Rent, do you still get the points 
?)(* Naval Aviation “nugget”: “A Nugget is a first-tour Naval Aviator or Flight Officer, especially applicable during their first deployment.” and/or “A nugget was defined as a brand-new naval aviator who’d just received his wings of gold and was now enrolled in advanced flight training.” - funny story in this link.)
(** "Long for" is an idiom that signifies a deep emotional yearning or desire for someone or something.)
Last edited by Dr Jabadski; Sep 26, 2023 at 9:29 am
Sep 26, 2023 | 9:43 am
#355
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
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1st is 10 points, 2nd is 20, 3rd is 30, 4th is 40, 5th is 50 (I think there’s a pattern here ). Get all 5 correct, get a 6th worth another 100 points, thus 250 total points possible if all 6 questions answered correctly. As a Bilt nugget*, I’m not sure if one person has more than one chance to answer all 6 questions correctly, from the description it seems like that might not be true.
). Get all 5 correct, get a 6th worth another 100 points, thus 250 total points possible if all 6 questions answered correctly. As a Bilt nugget*, I’m not sure if one person has more than one chance to answer all 6 questions correctly, from the description it seems like that might not be true.I remember Audience Rewards from back in the day.
So… no real rent day offer on Oct 1 (yet)?
Sep 26, 2023 | 10:06 am
#356
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,595
Then also considering (I think I read) that we only have 10 seconds to answer each question (maybe not enough time for Google assistance) we should definitely post answers on this thread or another easily-accessible readily-identifiable thread (“Bilt Rent Day Trivia Only”) separate from this “Bilt Mastercard” (discussion) thread similar to the Audience Rewards thread I linked 2 posts up.
All depends on what the meaning of the word "real is (as in “It depends on what the meaning of the word "is" is.”).
Oh yeah, absolutely, positively, certainly, without fail that’s correct for NY Jets fans.
All depends on what the meaning of the word "real is (as in “It depends on what the meaning of the word "is" is.”)
.Oh yeah, absolutely, positively, certainly, without fail that’s correct for NY Jets fans
.
Sep 26, 2023 | 11:04 am
#357
FlyerTalk Evangelist
Join Date: Jul 2006
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Posts: 10,684
Then also considering (I think I read) that we only have 10 seconds to answer each question (maybe not enough time for Google assistance) we should definitely post answers on this thread or another easily-accessible readily-identifiable thread (Bilt Rent Day Trivia Only) separate from this Bilt Mastercard (discussion) thread similar to the Audience Rewards thread I linked 2 posts up.
Sep 26, 2023 | 8:59 pm
#358
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold 1.2MM (BIS), AA LT Plat (SUBs, BD/Bask), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 4,595
Thank you for the reference, Ill take a look on Sunday (Oct 1st).
I dont think thats a good reason NOT to have such a thread. Im relatively active here at FT and rarely visit Reddit (same might be true for others who are interested), there are dozens of threads here which often or solelyregurgitate repeat information from Reddit (and other sites) and the Audience Rewards thread I linked above is an excellent example of a thread here dedicated to information easily available elsewhere.
I dont think thats a good reason NOT to have such a thread. Im relatively active here at FT and rarely visit Reddit (same might be true for others who are interested), there are dozens of threads here which often or solely
Sep 27, 2023 | 8:07 am
#359
Join Date: Jun 2012
Posts: 18
QuestionL The Bilt FAQs say that you can pay "one residential rent payment to one rental property in a 30-day period." I have a Clickpay account for paying the condo fees of two properties and when I pay for both at the same time, it appears as one transaction. Has anyone had any experience paying Clickpay with Bilt for two properties?
Sep 27, 2023 | 8:34 am
#360
Join Date: Jun 1999
Location: NYC/LA
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Posts: 9,805
QuestionL The Bilt FAQs say that you can pay "one residential rent payment to one rental property in a 30-day period." I have a Clickpay account for paying the condo fees of two properties and when I pay for both at the same time, it appears as one transaction. Has anyone had any experience paying Clickpay with Bilt for two properties?
