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-   -   Bilt Mastercard (https://www.flyertalk.com/forum/credit-card-programs/2053243-bilt-mastercard.html)

sullim4 Dec 26, 2024 1:56 pm

January rent day benefits are out, the largest of which appears to be an Accor status match:


a. Bilt Blue members can activate your Accor Silver status request in the Rewards tab of the
Bilt app or website.

b. Bilt Silver members can activate your Accor Silver status request in the Rewards tab of
the Bilt app or website or can activate your Accor Gold status request with a transfer of
5,000 Bilt points to ALL Reward points in the Rewards tab of the Bilt app or website.

c. Bilt Gold members can activate your Accor Silver status request in the Rewards tab of
the Bilt app or website or can activate your Accor Gold status request with a transfer of
2,000 Bilt points to ALL Reward points in the Rewards tab of the Bilt app or website.

d. Bilt Platinum members can activate your Accor Silver status request in the Rewards tab
of the Bilt app or website or can activate your Accor Gold status request with a transfer
of 2,000 Bilt points to ALL Reward points in the Rewards tab of the Bilt app or website or
can activate your Accor Platinum status request with a transfer of 5,000 Bilt points to ALL
Reward points in the Rewards tab of the Bilt app or website
I know nothing about Accor... is their status worth anything?

iamflyer Dec 26, 2024 4:11 pm


Originally Posted by sullim4 (Post 36763680)
I know nothing about Accor... is their status worth anything?

Maybe if you're going to stay at an Accor hotel in the near future? you can see the tier benefits here.

Caspavio Dec 27, 2024 7:47 am


Originally Posted by sullim4 (Post 36763680)
I know nothing about Accor... is their status worth anything?

What are some strengths of Accor? - FlyerTalk Forums

sullim4 Dec 27, 2024 8:53 am


Originally Posted by Caspavio (Post 36765006)

Thanks for the link - I think I'm gonna stick with Hyatt and just get the freebie status match. "Inconsistent recognition of status and benefits" from property to property is one of my pet peeves.

nexusCFX Dec 28, 2024 6:22 am

Denied CLI by WF for "insufficient experience" with the card. My CL got slashed hard going from Evolve to WF, 22k down to 10k, and given the cost of my rent the card is basically at full utilization all the time because why pay off what I can float, but it means I can't put any other spend on the card which I'd think Bilt and WF would want me to be doing.

gudugan Dec 28, 2024 7:27 am


Originally Posted by nexusCFX (Post 36766797)
given the cost of my rent the card is basically at full utilization all the time because why pay off what I can float

Isn’t this bad for your credit?

My rent is more than my CL (sigh) so maybe I should apply for a CL increase just to float it. Did they do a hard pull?

skydelt Dec 28, 2024 10:57 am

In the same boat, moved from Evolve, asked for a CLI, got denied. My CL on the WF Bilt is 25% of my next lowest one, inclusive of cards I got when I was a student - it's a bit of a joke. My SO originally got the WF Bilt, and after a year was able to get a whopping...$500 CLI.

As for the Accor status, it feels fine in a vacuum (no different from the plethora of AMEX cards giving out Hilton Silver), but my bigger gripe is probably the total deval of the loyalty tiers. I really have no idea what the point of them is anymore. I get the exact same thing as someone at the base tier, with the "opportunity" to burn 2K points.

Caspavio Dec 28, 2024 5:34 pm


Originally Posted by gudugan (Post 36766878)
Isn’t this bad for your credit?

it is only bad if your overall credit utilization is high, not per card. you can also choose to pay off before the statement closing to lower the utilization.


Originally Posted by nexusCFX (Post 36766797)
Denied CLI by WF for "insufficient experience" with the card. My CL got slashed hard going from Evolve to WF, 22k down to 10k, and given the cost of my rent the card is basically at full utilization all the time because why pay off what I can float, but it means I can't put any other spend on the card which I'd think Bilt and WF would want me to be doing.


Originally Posted by skydelt (Post 36767211)
In the same boat, moved from Evolve, asked for a CLI, got denied. My CL on the WF Bilt is 25% of my next lowest one, inclusive of cards I got when I was a student - it's a bit of a joke. My SO originally got the WF Bilt, and after a year was able to get a whopping...$500 CLI.

for WF, i feel that how much credit you currently have is the major factor when deciding the CL they will give. my friend got a higher CL despite a lower credit score and income. but he only has 1 other credit card

nexusCFX Dec 28, 2024 7:46 pm


Originally Posted by gudugan (Post 36766878)
Isn’t this bad for your credit?

My rent is more than my CL (sigh) so maybe I should apply for a CL increase just to float it. Did they do a hard pull?

Utilization on your credit score has no history, it's only based on the last reported values. So if I really needed to boost my score I could just pay the Bilt card off before it reports.

Additionally though, the Bilt card is such a low limit compared to my other cards that having it maxed out all the time doesn't make much of a dent in my total utilization percentage. My FICO is over 800 either way.

No hard pull, but the DP's I've seen for how WF handles the CL increase requests are all over the place.

gudugan Dec 29, 2024 8:46 am

Hit Silver from rent spend. Don’t think I will ever hit a higher tier. The milestone rewards don’t look that great



5k points to next status - useless

Double points on neighborhood dining for 7 days - decent, but I’m traveling outside of the US lol

2x at grocery for 30 days - have other cards

2x at gas for 30 days - have other cards

2x at sports and concerts for 30 days - ok

1k points for Bilt collection - hmm

leland Dec 29, 2024 11:36 am

Have two (milestone rewards) I can't be bothered about... Assume these have low caps on them too anyway.

Sorry if that's not much help :)

josephstern Dec 29, 2024 4:14 pm


Originally Posted by gudugan (Post 36768940)
Hit Silver from rent spend. Don’t think I will ever hit a higher tier. The milestone rewards don’t look that great



5k points to next status - useless

Double points on neighborhood dining for 7 days - decent, but I’m traveling outside of the US lol

2x at grocery for 30 days - have other cards

2x at gas for 30 days - have other cards

2x at sports and concerts for 30 days - ok

1k points for Bilt collection - hmm

While I basically agree about the milestones (but I do try to max them out, usually on groceries) I will say there are other/better reasons for higher Bilt status: the better transfer ratios and the Blade flight, mainly. You also get things like earlier access to some reservations for Soul Cycle, etc.

gudugan Dec 29, 2024 5:18 pm

I posted about this upthread but the status qualification is not designed very well.

I spend about 50k a year in rent (ouch!). Instant silver status. I spend basically nothing on the card otherwise.

To get Gold, I need 75k more points from non-rent spend which is 1x/2x/3x. I could shift my dining spend to Bilt but I don’t think it’s $25k.

Alternatively I need to spend 25k on the card which doesn’t count my rent spend at all. After the rent day 2x nerf, I don’t think this is a good use of spend.

josephstern Dec 29, 2024 5:57 pm


Originally Posted by gudugan (Post 36769843)
I posted about this upthread but the status qualification is not designed very well.

I spend about 50k a year in rent (ouch!). Instant silver status. I spend basically nothing on the card otherwise.

To get Gold, I need 75k more points from non-rent spend which is 1x/2x/3x. I could shift my dining spend to Bilt but I don’t think it’s $25k.

Alternatively I need to spend 25k on the card which doesn’t count my rent spend at all. After the rent day 2x nerf, I don’t think this is a good use of spend.

So it is designed well, right? It's incentivizing you to work to attain status at the expense of better allocating your spend in other ways. You aren't opting for that trade-off, but others may.

gudugan Dec 29, 2024 10:24 pm

If you spend 50k on rent, you aren’t incentivized to do anything else. If you don’t spend anything on rent, the spend fast track to status is exactly the same. The former method is actually harder than the latter method as only dining spend is 3x and rent day doesn’t help anymore. You really need to be spending near the rent cap (100k) to make Gold status easy to reach. I think this is their ideal customer though, someone in NYC spending 8.3k on rent…


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