I ended up applying for this.

The pros are the application process and the Bilt Rewards app worked pretty seamlessly-- as soon as I was approved I was able to go into the Bilt app and add my new card to my phone's digital wallet; the app will also show you your card number to use for online purchases immediately. The app also shows you points earned per purchase as soon as it posts to your Wells Fargo account. Card shipped pretty quickly and I liked the follow up e-mails from Bilt on the card delivery status.

One con is that I received a pseudo welcome offer after applying, which was 5x points on all purchases for 5 days starting the day I received my card. What has been frustrating is that the offer specifically mentioned the start date of the promotion (8/10), yet my account must have been coded incorrectly with the promo because when my purchases posted, nothing for 8/10 received the bonus points. I've reached out to Bilt Support to have them look into this, but their response time is definitely a bit slow.

My home is owned by a trust. Can I "rent" the home from the trust and make payments to it?

I haven't gotten this card yet (been working on Chase...3/5 so far), but they added BA and will add Iberia and Aer Lingus in the fall as transfer partners. Living in NYC, it'd be very easy to hit the 50,000 points on rent annually.

Also, 'Frequent Miler' says that you can now generate ACH info if you pay your rent through a portal..."In the Bilt Rewards app, cardholders have the option to send a rent payment by mailing a check or by ACH transfer using ClickPay, RentCafe, or other online payment portals."

hi anyone able to link their united account to this card via the app, i have been trying for the last few days and every time i get an error. Customer service is non-existent.

This card so far has been a complete disaster, transactions would disappear for days then magically reappear then disappear again making it very confusing, every time customer service states it's a bug they are fixing. United card linkage doesn't work so cant transfer to miles, which is my only use for its points. Seems the tech is not ready for release.

The only issue I've had is not being able to link IHG which I was just doing for the 100 bonus points anyhow. Otherwise everything has worked well. Have a case opened with their CS about that but they informed me it could take a while.

[email protected] was an email given I'm assuming by Richard Kerr in a comment on VFTW. Could be worth a reach out if it's actually him...

Zero issues using the card, billing, points accrual, linking accounts or transfer to Hyatt. I am using the Evolve branded card not the WF one. I don’t doubt your experience but I find this a valuable card in my portfolio.

FWIW this card is 3x gas and EV charging until October 31 for up to $1250 in charges.

https://www.biltrewards.com/terms/3x-on-fuel

Bilt seems to be good at adding value as time goes by. For a no AF card it’s been useful for me, useful enough to take a hit on going under 5/24.

On my mom's WF issued card, multiple the charge by 3 then round down. So I a $3.66 dining purchase equates to 10 points and a $3.67 dining purchases equates to 11 points.


No problem's here. Everything works as advertised.

Just got the card and confused about this statement on the app: “Make at least 5 transactions that post each statement period to earn points on all of these categories: 1x rent, 2x points on travel, 3x points on dining”

Does that mean if I only use the card for rent 1 time per month, I won’t get any points and I need to make 4 other transactions?

Yes. (Well technically I think you might get 250 points in that case.)

Correct! however they waved the requirement for 5 transactions for my first statement (which was 2 months ago)

Is it a WF, Bilt or timing thing - paid off my balance yesterday and the available credit still shows as if I have not.
Both WF and Bilt show the same thing, 0 balance and only 1/3 of credit available.

How long has the account been open and how did you make the payment?

this is my first month, first statement just closed
paid as a pull from bank account

From the issuer's perspective they have received payment drawn on "a" bank account, but they need time for the funds to clear -and- to gain confidence that it is "your" bank account.

right... After they've connected the account via plaid via MFA and drawn the funds via ACH, they are waiting for funds to "clear". With all due respect it sounds more like It issue than "compliance".

What has other card users' experience been with balance reset on payment?

I had an existing relationship with WF but no cards currently open… and I recall it also took a few days for them to release my credit line on my Bilt card after making my first payment. Wasn’t an issue the second month.

Bilt is now doing a Rent Day where all non-rent payments are double points (dining is 6x, travel is 4x, everything else is 2x).

6x/4x/2x Hyatt isn't shabby IMO.

This is clever and unique, I like it. First Rent Day falls on this Saturday and aligns well with my plans :). And I will delay buying airfare until Saturday to capture the 4x.

Does anyone have DPs if applications for this card have been approved for non permanent residents / citizens of the US. I’ve heard Wells Fargo doesn’t approve credit cards if you’re not a citizen/PR.

I can give you a DP as a non-PR but the caveat is that I got the card before WF became the issuer.

Bilt CC aproval question
 

I just applied for a Bilt Master Card through a link provided by our Avalon Bay
community rental portal. It filled out the address information. But then
Bilt said I was only approved for $1500. So the card can't be used to
pay Boston rent obviously (maybe Bilt knows something about Boston
rents that I do not?). I logged in using a PC. Bilt then asked me
for a rental address to connect to. I entered the same address as
my apartment complex provided, but Bilt said it is not part of
its rental program. Any suggestions on what to do?

If your credit limit isn’t high enough to cover rent you can link a bank account and the rent will be debited directly from your bank account. Provided you have the card and still make the minimum monthly transactions, you’ll still get points for paying rent

Does Bilt have a customer service phone number? I am having a problem paying my
rent to Avalon Bay through the Biltprotect portal to get the points. Problem is that the
app instructions are some how wrong for my account so it does not give me any
routing number and account number to pay to get points. I could not find any
phone number on the Bilt web site or Android App. I filed a chat request but
got a we are reviewing it email reply. Problem is that I am going to a conference
(flying) to UK Saturday.

Would appreciate updated comments/reviews/status reports for this card re:

- Does a successful Bilt Mastercard application (approval) count toward Chase’s 5/24?

- Previous report(s) here of delayed or missing paper checks sent for rent payment, is that still a problem?

- Can Bilt be used successfully to pay condominium monthly/common/maintenance charges?

- Can Bilt be used successfully to pay mortgage payments?

Thank you.

Yes
Don't know
Don't know but guessing unlikely
Don't know but guessing highly unlikely

Is transit(Lyft/Uber)/parking considered as travel as far the Bilt card is concerned?

No, which is kind of funny considering their target segment of young urbanites.

https://viewfromthewing.com/bilt-ful...n-other-spend/

Double points for everything except rent for a week instead of a day. 6x dining, 4x travel, 2x everything else. You can also transfer to IHG at 1 Bilt:2 IHG on December 1 (which isn’t amazeballs but if you have a Bilt balance I could see ways you get excess value out of it).

They’re definitely doing a good job of keeping cardholders engaged

Has anybody used the "rent" payment feature of the card for something other than rent? Since Bilt seems to send out a check to your landlord, could you use the card to pay, say, child care expenses every month? Would be nice to get an extra 1,700 points a month for this expense!

Anyone achieve Silver tier and earned interest on points? What interest rate are you getting?

It’s roughly 2%, credited monthly

HOA / condo
 

Has anyone determined whether Bilt works on condo dues / HOA payments?

I’ve been using the card to pay rent since April. It’s using ACH payments on rent portals (one of them being their own). If the portal doesn’t identify as a rental portal it won’t work.

One of Bilt's representatives claimed on reddit that they have a team who "reviews" payments and reserves the right to request a copy of your lease if they don't believe it's a rent payment. Haven't seen many data points of people actually pushing the system, though.

More data points
 

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.

My mom’s card was hit with fraud. New card will be rushed. I’ll need to re enter new routing number/account for rent payments. Anyone have issues with that?

I was hit with the same fraud last week. However, when I check my rent payment ACH info in the Bilt app, it does not appear that the routing number or account number have changed, which makes sense since they are not related to the Mastercard card account number.

Ok, thanks. The agent said I will need to update. Have you made a successful rent payment since fraud incident?

Mom’s acct was also hit last week but received text and email alerts today.

I had alerts for a couple of fraudulent charges & will be getting a new card.