I think mine came in four business days. But you do get a temp number in the app immediately in case you have a specific online charge coming up. You also get the ACH info immediately in the app.

I didn't realize you could apply through the WF website.

I also received mine 4 days after approval. If I do say so myself, the Wiki (top of first page) for this thread is excellent, should be required reading prior to application. I know the author, he’s meticulous, diligent, thorough & conscientious (& obviously redumbnent & anal :D). Post #332 on this thread has detailed card shipment information and images of shipping box. Participants on this thread are very helpful.

Def. available on the WF website, but referral links go to the Bilt site. I ended up using a friend's referral link b/c nobody in my immediate family had one.

Well just for info point. Got approved on a Wed night. Card shipped out USPS from Omaha on Friday and received in large Calif metro area on Monday.

I also received an email after I registered that I was going to get 5X points on all purchases except rent and any variation of money transferring, cash equivalents, etc. for five days from receipt of the email so assume I have till April 27, for up to $10,000 spend.

I buy something online, then get a Wells Fargo fraud alert to call and I call and the transaction was approved. Why alert me...

So the timeline as I understand it is:

Wed 4/17 (night) applied and approved
Fri 4/19 card shipped
Mon 4/22 card received

I don’t quite understand what you mean by “I registered” - perhaps when you received the card and confirmed that to WF? Other people seemed to indicate in the past that Bilt is tracking the shipment and that delivery triggers the email - which would still match your timeline.

Thanks!

The 5x is really on $12,500 worth of spend . . .

HOA
 

I am considering this card, but like others I want to be sure I can use it outside of actual rent payments as I do not rent. However, I do have sizable condo fees. They are assessed biannually.
I am not sure if they can be broken down monthly and I will inquire. But if I did have to pay them twice a year if I’m able to do so via ACH transfer with these qualify? Or would they be flagged because they would only be twice a year and sizable? I am aware I would have to make additional transactions per month to earn the points. I just don’t want to waste a credit card slot for one that may not work for me.
Via the chat and a direct call, I was told HOA fees do not qualify, but there seems to be a workaround with the ACH transfer(?)

Excellent topic and questions for a first post :tu:!

Good thinking, for some people the #1 concern.

Not a “workaround” in the traditional sense of the word. Many here and on other forums report earning Bilt points for HOA fees paid via Bilt ACH without any other contortions. (I was a skeptic until I first earned Bilt points for my condo HOA fees 6 months ago, no effort beyond Bilt application, providing property management company with new ACH routing & account numbers, 4-5 other small transactions each month, paying credit card bill; I’m now a grateful believer and sometimes non-paid Wiki-authoring cheerleading shill ;).)

Size (in this situation :)) does not seem to matter, few (if any) reports of rent (or HOA) payments not earning Bilt points due to size.

Few, if any, reports regarding biannual rent/HOA payments. In all likelihood if your property management company did a monthly ACH withdrawal from your Bilt Rent Account (quasi bank account, see Wiki) you would earn Bilt points. Biannual withdrawal might be a first, please let us know how it goes.

HOA/Condo fees DO qualify. Ive paid my HOA fees monthly using Bilt since we bought our place a year ago.

Having the payment be twice a year IS weird and different though, so that might complicate things... can you pay them monthly instead?

I have a call into someone in reference to possibly making monthly payments. But also have a large assessment that will be requested in the next week (separate from HOA dues) that I also was hoping to find a way to get point benefits and I doubt there’s any way to divide that. I’m thinking, unless I can find a way to divide these in a more consistent fashion throughout the year, it would be too big a gamble too apply for this card. Thank you all for your input. Great information in this thread in reference to BILT.

I've been wondering if they've grandfathered many of us in on HOA/condo fees and that they maybe don't allow it for new accounts.

When I started mine, the chat had an autoreply that said it was OK. Now it's the reverse.

There's an official Bilt account on reddit. Here's their post from 3 months ago:

"We allow one payment using the Rent Rewards Account each month and the Rent Rewards Account can only be used for rent payments in an online portal when paying with a credit card or debit card other than the Bilt Mastercard®. If you're using the Bilt Mastercard®, potential charges billed by landlords can include Rent, Security Deposit, Electric / Gas Bill, HOA Fees, Application Fee, College Living (not tuition), Internet, etc. Please note that if you submit more than one payment per month and/or for charges Bilt's team classifies as non-rent, your payment may be rejected."

https://www.reddit.com/r/biltrewards...mklv/hoa_dues/

My HOA fees are assessed monthly, and there is a $2.95 fee to pull an ACH payment. This means that there are two transactions if I have my property management company pull the payment. I like to prepay the HOA assessment to amortize the ACH fee across multiple months, and Bilt hasn't had an issue with this so far. (I've done 3 such payments.)

I've had success making HOA fees payments via ACH twice a year. I read the stipulation as "at most once a month", not that it has to be paid every month.

I, too, don't have a rent payment. I have 2 main reasons for keeping and using the Bilt card -
- it's my only way of getting 2x points on a transferrable currency that transfers to Hyatt (albeit only on the first of the month, and on up to $10K spend - I can plan these expenses)
- they have had some great transfer bonuses

My apologies if I’m incorrectly reading between the lines, this post infers (to me) that you’ve “pushed” (sent) ACH payments (3 times) via Bilt. I’m familiar with having my HOA fees paid via Bilt by having my property management company “pull” (withdraw) an ACH payment from Bilt/WF each month, just as they used to do from a traditional checking account, originally initiated by providing the property management company with my Bilt Rent Account routing and account numbers. I’m completely unfamiliar with how to push/send an ACH payment from my Bilt Rent Account. (I’m also familiar with more traditional bank website/app Bill Pay functions whereby ACH payments can be scheduled to be sent to any of many different “biller”s which have been entered to one’s account.)

Please educate, do you send a Bilt ACH payment via the Bilt website or app OR via WF website or app? Anything unique about doing it via Bilt? Ever try it for anything other than rent/HOA fees? Ever try it more than once a month? Thank you.

Have these payments been initiated by your property management company withdrawing an ACH payment from Bilt/WF OR by having Bilt/WF send an ACH payment. If the latter, perhaps you would be kind enough to reply to the questions above (in this post). Thank you.

I have the property management company withdraw a payment from Bilt's ACH account. This incurs a $2.95 fixed fee, so I have the property management company pull a payment that pays 6 months of HOA fees per payment. I could avoid the fee by having Bilt send the payment, but I've read data points of the proverbial checking being lost in the mail. For me, a $2.95 fee every 6 months is worth the peace of mind. I got the Bilt card about a year ago, so I've done an ACH payment (that the property management company has initiated) 3 times. The $2.95 fee posts as a separate transaction from the HOA fees transaction, but I haven't had problems getting points for both transactions. This was a concern of mine too because the $2.95 fee has always posted with a transaction date one day before the larger HOA fee payment.

As for the last two questions, the answer is yes, by accident. One of my utilities requires that account holders designate a checking account as the default payment method in order to receive discounts. However, one can make a manual payment with a credit card without any fees. I therefore have the Bilt ACH account as the placeholder account but manually initiate a credit card payment each month to bring my balance to $0. In January, I mistakenly submitted a payment using the ACH account information from Bilt, and I was concerned because I had already done my HOA 6-month prepayment (plus the $2.95 ACH fee as a separate transaction) earlier in the billing cycle. However, all 3 transactions posted successfully, and I received 1x points for all 3 transactions.

I don't know if there is a threshold of ACH transactions, such as 12 per year, or other manual review. However, I wouldn't be surprised if there was additional scrutiny of transactions that use the ACH account that Bilt provides. I'll report back if there are any issues with continuing the 6-month cadence paying my HOA fees.