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
Dec 23, 2023 | 6:25 pm
#556
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
.
Dec 27, 2023 | 12:49 pm
#557
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
December 27 Rent Free Family Feud style Q&A(s):
Animated movie made for children that adults like also:
(I was only able to guess one from memory, fortunately the first hit on a Google search was 20 animated films for kids but appeal to adults 👍. Also, I submitted 3 incorrect answers, which would have been disqualifying on Family Feud, but I was able to continue indicating that Bilt is not strictly adhering to all Family Feud procedures.)
Animated movie made for children that adults like also:
Spoiler
(I was only able to guess one from memory, fortunately the first hit on a Google search was 20 animated films for kids but appeal to adults 👍. Also, I submitted 3 incorrect answers, which would have been disqualifying on Family Feud, but I was able to continue indicating that Bilt is not strictly adhering to all Family Feud procedures.)
Last edited by mia; Dec 28, 2023 at 11:13 am Reason: Add Spoiler feature per subsequent discussion.
Dec 28, 2023 | 8:32 am
#558
Join Date: Apr 2013
Posts: 295
Doing some year-end finances and realizing that I've earned only the 250 points on my Bilt card for the entire year apparently due to not having 5 transactions per month. I started using it in Jul 2022 and received full rent points for 5 months, so didn't do any further checking, and assumed that anything mentioning needing to use it multiple times was only relevant for points on non-rent payments since for the first 5 months of using it I had only 1 transaction per month and got it in full.
Anything I can do at this point?
Anything I can do at this point?
Dec 28, 2023 | 10:09 am
#559
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,684
December 27 Rent Free Family Feud style Q&A(s):
Animated movie made for children that adults like also:
Shrek, Toy Story, Frozen, The Lion King, Finding Nemo, Inside Out.
(I was only able to guess one from memory, fortunately the first hit on a Google search was 20 animated films for kids but appeal to adults 👍. Also, I submitted 3 incorrect answers, which would have been disqualifying on Family Feud, but I was able to continue indicating that Bilt is not strictly adhering to all Family Feud procedures.)
Animated movie made for children that adults like also:
Shrek, Toy Story, Frozen, The Lion King, Finding Nemo, Inside Out.
(I was only able to guess one from memory, fortunately the first hit on a Google search was 20 animated films for kids but appeal to adults 👍. Also, I submitted 3 incorrect answers, which would have been disqualifying on Family Feud, but I was able to continue indicating that Bilt is not strictly adhering to all Family Feud procedures.)
You can put your answers in white:
Spoilers: Shrek, Toy Story, Frozen, The Lion King, Finding Nemo, Inside Out.
And then if someone wants to reveal them, they highlight that line.
Dec 28, 2023 | 10:56 am
#560
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS Plat, AA EP, Bonvoy Plat, Hilton Dia, Hyatt Glob, IHG Plat, ...
Posts: 21,479
Spoiler
Dec 28, 2023 | 11:15 am
#561
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,874
Moderator action
I have applied the Spoiler feature to post 557 so that everyone can see how it works in the original context.
Dec 28, 2023 | 2:21 pm
#562
FlyerTalk Evangelist
Join Date: May 2015
Location: BOS, YVR, ZRH
Programs: *G
Posts: 18,129
How can I change my monthly payment account? I added a new bank account and made it the default, but it's still charging the old bank account. I can't delete the old.bank account because it's setup under autopsy (it says). And when I click on setup autopay, it says you can only have one active autopay and need to delete one first...but there's no option to delete!
Dec 28, 2023 | 4:14 pm
#563
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
Excellent idea 
, my apologies for being the one who spoiled the spoiler.
BUT, having offered my mea culpa and being the one who let the cat out of the bag this month, should either of you win free rent this month, regardless of whether or not my spoiled spoiler post was contributory, you owe me a 23% commission fee kick-back reward. Why 23%? That’s easy, cause 22% is too little and 24% is too much
.
Thank you Mod. Can we as member posters include a Spoiler feature in our posts? Can only a Moderator do it?
As Emily Litella used to say "never mind".
, my apologies for being the one who spoiled the spoiler.BUT, having offered my mea culpa and being the one who let the cat out of the bag this month, should either of you win free rent this month, regardless of whether or not my spoiled spoiler post was contributory, you owe me a 23% commission fee kick-back reward. Why 23%? That’s easy, cause 22% is too little and 24% is too much
.As Emily Litella used to say "never mind".
Spoiler
Last edited by Dr Jabadski; Dec 28, 2023 at 4:23 pm Reason: self evident
Dec 28, 2023 | 4:35 pm
#564
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS Plat, AA EP, Bonvoy Plat, Hilton Dia, Hyatt Glob, IHG Plat, ...
Posts: 21,479
... being the one who let the cat out of the bag this month, should either of you win free rent this month, regardless of whether or not my spoiled spoiler post was contributory, you owe me a 23% commission fee kick-back reward. Why 23%? That’s easy, cause 22% is too little and 24% is too much
Jan 1, 2024 | 3:33 pm
#565
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS Plat, AA EP, Bonvoy Plat, Hilton Dia, Hyatt Glob, IHG Plat, ...
Posts: 21,479
Points quest answers January 2024 aggregated from other sources (Reddit):
Ryan Seacrest New Years ----- Dick Clark
Drink served on New Years Day (Eve?)----- Champagne
Billy Crystal line is from what movie--- When Harry Met Sally
Ecudar los anos viejos New Year's tradition--- Set them on fire
The first winter Olympics in 1924 held where: Chamonix, France
Bonus Question: NSYNC reunion in what animated film --- Trolls Band Reunion
At midnight on New Year’s Eve it’s an American tradition to kiss and sing what song? - Auld Lang Syne
Which influential civil rights leader’s birthday is celebrated each January? - Martin Luther King Jr.
Where does the holiday drink Coquito originate from? - Puerto Rico
Which two zodiac signs cover the month of January? - Capricorn and Aquarius
Born January 1st, 2000, this Bronx born rapper is known for hits like “Munch” and Princess Diana." - Ice Spice
The month of January is named after the ancient Roman god Janus who is the god of what? - Beginnings and transitions
According to the Chinese Zodiac, 2024 is the year of this animal. - Dragon
Country where tradition is to eat 12 grapes at new year's: Spain
What's the most popular New Year's Eve event in the USA?: The ball drop in NYC
Top New Year's resolution for Americans in 2024: improve fitness
Ryan Seacrest New Years ----- Dick Clark
Drink served on New Years Day (Eve?)----- Champagne
Billy Crystal line is from what movie--- When Harry Met Sally
Ecudar los anos viejos New Year's tradition--- Set them on fire
The first winter Olympics in 1924 held where: Chamonix, France
Bonus Question: NSYNC reunion in what animated film --- Trolls Band Reunion
At midnight on New Year’s Eve it’s an American tradition to kiss and sing what song? - Auld Lang Syne
Which influential civil rights leader’s birthday is celebrated each January? - Martin Luther King Jr.
Where does the holiday drink Coquito originate from? - Puerto Rico
Which two zodiac signs cover the month of January? - Capricorn and Aquarius
Born January 1st, 2000, this Bronx born rapper is known for hits like “Munch” and Princess Diana." - Ice Spice
The month of January is named after the ancient Roman god Janus who is the god of what? - Beginnings and transitions
According to the Chinese Zodiac, 2024 is the year of this animal. - Dragon
Country where tradition is to eat 12 grapes at new year's: Spain
What's the most popular New Year's Eve event in the USA?: The ball drop in NYC
Top New Year's resolution for Americans in 2024: improve fitness
Jan 1, 2024 | 9:40 pm
#566
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, 250 easy points.
Best I can recall, today was the first time I could only do Bilt Points Quest Trivia on a mobile app and not on the full desktop PC website. Has it always been that way and my memory in that regard is erroneous?
Best I can recall, today was the first time I could only do Bilt Points Quest Trivia on a mobile app and not on the full desktop PC website. Has it always been that way and my memory in that regard is erroneous?
Jan 9, 2024 | 11:18 am
#567
Join Date: Oct 2021
Location: Bay Area
Posts: 552
I've had the card for well over a year and have always done the trivia from the app. I didn't even know you could do it on the website.
Jan 15, 2024 | 1:43 pm
#568
Suspended
Join Date: Nov 2009
Posts: 1,076
Is the 5 transactions to qualify for points per calendar month or per statement cycle month?
Jan 15, 2024 | 2:06 pm
#569
FlyerTalk Evangelist
Join Date: May 2015
Location: BOS, YVR, ZRH
Programs: *G
Posts: 18,129
Jan 17, 2024 | 5:51 pm
#570
Join Date: Nov 2013
Location: NYC
Programs: BA
Posts: 962
I rent at two locations. Is it possible to pay one landlord by check and another by the ACH method? Based on my reading of the terms, only the ACH method ("Bilt Rent Account") is limited to one (1) rental payment...
I could make a separate Bilt account instead but that would likely require applying for another Bilt Mastercard.
I could make a separate Bilt account instead but that would likely require applying for another Bilt Mastercard.
Last edited by wiivile; Jan 17, 2024 at 6:08 pm