The former - payment initiated by my HOA withdrawing from my Bilt account.

Interesting situation. I had the card when it was issued by Evolve. Somehow there were some fraudulent charges ten days ago, card cancelled and new one sent. I just got the new one, and I got the email for "5X points for 5 days" which I thought was odd.

Checked my credit report and my Bilt account is showing as closed. I notice on the 5X points email that it says Bilt | Wells Fargo. I suspect my card had to be moved from Evolve to Wells Fargo as part of this process. I have a bad feeling that this new card is going to show up as a brand new account on my report, which sucks for 5/24 and age of accounts.

I never use this card anywhere physically so I don't know how it was successfully attacked, but if you do have an old Evolve card, be warned that if it needs to be replaced it seems you're going to be moved to WF.

On the flip side, great way to get another 5x for 5 days if you have an Evolve version!

Well, I didn't KNOW that was gonna happen so I hadn't lined up any spend. Now I've gotta come up with something! Probably gonna pay my car lease for the month and upcoming registration renewal at least.

Also, I don't really trust it so I did a bunch of transactions to hit the 5 I need, and I need to make sure they actually get 5X points before I put any big spend on.

Buy some gift cards for your grocery store? Shouldn't be a charge to do so and you're just front-loading the spend a bit. That's what I often do in these situations.

Also maybe car insurance and utility/cellphone bills?

I can already 4 or 5X a lot of things via gift cards cuz of Chase Ink Cash, so Bilt is kind of meh for that.

Maybe there are other data points about the credit impact when cards moved from one issuer to another. E.g., Costco (Amex -> Citi).

Pretty sure estimated tax payments can be paid at any time.

Bilt is notorious for not awarding the rent day 2X for tax payments, claiming they are ineligible. Any recent DPs that the 5X works for them?

I thought it was sent after I validated my card but must be when the the card arrives. My card arrived 4/22 but the 5x bonus lasted till 4/28.

Link in the Wiki: Personally, in September 2023 I met the 5 day quasi-SUB with IRS payment of $6k and NYS payment of $4k (fees additional) then another NYS payment of $2.5k after reading the quote above.

PointQuest answers May 2024 (curated from r/biltrewards)

Honey: Food doesn't go bad

Memorial day: was not public holiday earlier

May Pole: European festival where they dance around what ?

Ottawa: Capital of Canada

Costume Department: New york Metropolitan museum

Kentucky Derby: Fastest two minutes in sports held every May

Q: The only letter that doesn’t appear in a US state

Vine: Lele Pons was the most followed woman on this app

The Office was not based in New York

Hummingbird is the only bird that can fly backwards

K represents Potassium

Unicorn: The national animal of Scotland

May the 4th be with you: Star Wars

Ryan gosling SNL skit: Papyrus

Taylor swift TTPD: Post Malone

Titanic Rose’s necklace: heart of ocean

I went ahead and applied for this card. The transfers to Hyatt, Alaska, and FlyingBlue in addition to the 2x rent day bonus were enough to push me over the edge. Seems like a great complement to my Chase setup. I was approved; $30k limit, hard pull on EX. The card arrives on Saturday and I have some charges planned in the (hopefully likely?) event I get the 5x offer.

Adding the card to Apple Pay worked fine, although I was only able to add it to my phone. It won't add to my watch. I'm going to guess that's because the card's actual CVV doesn't match the temporary one that's in the app.

We are homeowners so the rent feature is sort of useless unless or until mortgage payments become a thing with Bilt. I plan on paying our water bill through the ACH system until then.

Interesting decision regarding Bilt, rent/condo payments and manufactured spend.

Just notified of a new assessment, $15,717 one-time (affordable) check only payment OR $308.22 added to monthly Bilt ACH payment for 60 months (total $18,493, ~18%). I’ll do all I can to have them do one-time payment by Bilt ACH but don’t expect success.

Much as I covet and adore miles and points, even with Bilt rent points being “free” (of additional fees) $2776 (over 5 years) seems like a high extra amount for an additional 18,493 Bilt points, ~$0.15 per point.

Wondering how others look at it. Thank you.

I'd try pushing that through Bilt as a one-time expense. Worst case, I guess, they close you down. But more likely, they'd just not give you points for that expense.