I have a life insurance payment coming up (about $5K), and I was wondering if I can get Bilt to make the payment. The insurance company only accepts payment through bank or check. So I was hoping similar to how Bilt sends the check for non-supported rental properties, would they do the same bill pay to an insurance company? I have seen people paying for utilities with it so trying to understand the full benefits of it.

I really don't think so. From what I understand, they are very strict about the applicable categories and they watch pretty carefully for use outside of their stated terms.

Agreed. Especially considering the high amount that OP is considering paying and the fact that a manual check has to be cut. I would think an ACH payment that goes through the blockers Bilt has set up is less likely to be flagged for manual review vs a check cut for a large amount.

With the latest app update, Bilt is now showing a summary of points earn YTD by category. What is interesting is that one of the categories-- Groceries-- is one that currently does not receive any bonus points. I'm wondering if something is in the works. Though, if that is the case, I would suspect it's a partnership with a specific company where bonus points are earned, rather than groceries in general. (For example, Rideshare is one of the categories that now shows up, but bonus points are only given on Lyft rides. Same with the category of Fitness, where bonus points are applicable to SoulCycle only.) I wouldn't be surprised if it's a partnership with Instacart or another grocery delivery service.

Got it, thank you, just wanted to cover my basis before I jump into this. one more question, I own a townhouse but I do have HOA. I head I can pay HOA with it, would my payment has to go through Bilt's Mastercard or I can use my own CC?

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.
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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.

The fee-free points for rent were enough to entice me. I was actually surprised by the (possibly defunct?) bonus offer for the first five days and was able to take advantage of it. Signup offers aside, the card subs for Chase Sapphire Preferred pretty readily--the abililty to push 3x dining and 2x travel to AA was pretty compelling for me. No annual fee and a generous boost to total available credit lines don't hurt either.

Also, Bilt>Turkish Smiles & Miles may beat Amex>LifeMiles for UA as well (I haven't compared award availabillity, but TK generally has attractive reward redemptions). I have booked using LifeMiles for last minute on UA, but would generally go for AC or TK transfers based on customer service/fee data points I've seen regarding AV.

AV has great availability for UA for me in east coast U.S and IMO AV has better user interface from their app than TK where you have to navigate to redeem award flights, but whatever currency work for your location that's the best program.

Have found the discourse surrounding the card on other sites see, e.g., Frequent Miler's latest podcast, pretty interesting for the intensity. Seems disproportionate to the card itself. But maybe I'm missing something.

It's definitely an interesting and good card, but as far as bloggers and podcasts go: don't forget that these content creators need to fill their web pages and podcasts. If nothing more interesting is happening, something less interesting can get undue attention.

And don’t forget that many of them get advertising revenue and/or kickbacks (referral commissions) for applications via their links. Maybe the advertising revenue and/or kickback for this card is greater than other cards? This is America, it’s all about the Benjamins.

I don't know that it's greater than the commissions for other cards, but any fees are worth something, and these guys all don't discriminate when it comes to taking in money.

AFAIK, the referral bonus is the only commission they can get, but that's still decent, especially with the kicker for every four conversions (which almost feels like it was introduced to attract bloggers).

The commissions that bloggers get can vary over time, and the banks have been known to sometimes increase them (or expand them to a wider pool of eligible bloggers) in short-term promotions. So, if every blog in the world suddenly seems to be focused on a particular card out of nowhere ... that almost certainly has something to do with it.

What are the "kicker" and "conversions"? Thank you.

The current attention on this card is not necessarily based on enhanced referral incentives. The card had a very attractive 100% bonus for AF transfers this month, Hyatt status match last month, etc. There have been some (unverified) suggestions across the blogosphere/reddit that the fee-free "rent" payments cover a host of non-rent expenses.

IMHO, this is all newsworthy--certainly moreso than a monthly review of what's in XXX's wallet, a cut and paste reminder that the Chase Sapphire is the "ideal" starter card, or worse, some Tiktok/instagram drivel re-post.

You get 2500 Bilt points per referral, and 10,000 additional after every five.

Any of those suggestions regarding condominium monthly/common/maintenance fees? Considering it's almost impossible to pay condo fees with a (traditional) credit card, that would be a deal maker for me (and perhaps many others). Thank you.

I read on one of the blogs that the chatbot was saying monthly fees of this nature do count. I decided to apply for this card on that basis and will shift some unaligned spending or otherwise non points earning activity to it.

It’s now being reported that the information given out by the chatbot was a mistake and that Bilt has revised their T&C accordingly

Yup - I couldn't get the chatbot to show me this mysterious list.

The T&C's have always been clear that the ACH feature is for rent only, so any reliance on the chatbot "list" would probably result a one-time exception, at best, if/when Bilt reviewed the payments.

Unfortunately, I think that with the increased awareness of this card we may be seeing a general decrease in benefits. As they burn through more and more of their VC money and get more and more cardholders, they'll start to want to monetize the product a bit more so the deals won't be so plentiful.

I'm sorry I didn't get it much sooner, but at least I do still get plenty of value out of it now.

Unless their chatbot is answering questions in Reddit threads, HOA dues work as well.

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

Simply the most horrible customer service I have ever experienced in my lifetime no exaggeration.
I canceled the card this morning with a not a single agent to assist with problems with my account and I hadn't charged a cent
Simply wanted to set up monthly HOA dues.Website wouldn't recognize my card number or pin number
Not willing to deal with scammers/boiler room operation if I have a problem.
Hope others are happy with it Good Luck!Relieved to be free from their incompetence
Bilt is a 3rd party and I'm told has nothing to do with Wells Fargo.Apparently they piggy back with Wells Fargo as a partner?
Done! Have all the cards I will ever need.

Were you inputting the ACH routing and account numbers provided through the Bilt app?

Appreciate the question however never used the Bilt App
I called them before enrolling and asked if I can do everything online at their website as I presently
have no storage left on my I Phone 12 Pro Max till I get the next generation Apple phone this coming Fall.
I was assured by their customer service dept that I could pay my 2k a month HOA dues without using the App before signing up.