Based on the category listed on the BOA app "Real Estate Agents and Managers - Rentals" and matching it to the visa handbook: 6513

Edit: should clarify this is on the ascent as card

My Management Company only ACH is free. Visa is $38 with a $3,275.85 limit and the others are 2.90%, and of course AMEX 2.95% no limit and that goes for debit too.

Anyone finds that the Home away from Home hotel price on Bilt travel portal is more expensive compared to Kayak, Priceline, etc... ? I checked a few and found nothing worth to book through their portal

Yes. Almost every online purchase I make. Also, does anyone else have issues with their app? Sometimes it works fine, but a lot of the time I cannot do anything with it. Like none of the buttons will work. At one point I figured out if I used 2 fingers, then I could scroll, but could not using only 1 finger. It is seriously temperamental.

October 1 Rent Day bonus seems to be that you can get up to 50% more value redeeming your points at Amazon.

Still a weak redemption.

That's it? Has to be the worst Rent Day yet.

But don't forget the comedy shows! :rolleyes:

Hoping to see some DPs in this months rent, but I am seeing language on the Bilt site mentioning that the Summit card earns 3x. This same link also only mentions the “visa signature” card in the leading paragraph so YMMV and please post DPs

https://cimg5.ibsrv.net/gimg/www.fly...5db974280.jpeg

The Summit card earns 3x Atmos points on rent. It earned it for September rent payments (I paid my rent on September 1 and received 3x). It earns 0.1x additional points for the BofA relationship bonus if you have it.

Whatever you linked are not the actual terms for this benefit. For the actual terms and conditions, see biltrewards.com/terms/alaska

One more annoying aspect of Bilt Rewards, unsure if it’s Bilt or WF. I choose to put minimal spend on my Bilt card, ideal would be rent/HOA and four $1 charges per billing cycle. (I understand that others choose to use their Bilt card/accounts differently.)

To that end, my routine has been 4 self-service gasoline charges, between $1.01 and 1.11, each month, sometimes on the 1st of the month. A year ago I could do 2 charges, one right after the other, at the same gas pump and station. The 3rd attempted charge would be declined.

The past 2-3 months, including today, I could only do 1 charge at the same gas pump/station at 3-4 different gas stations. Attempted 2nd charge is declined. Fortunately there are 5-6 gas stations between my home and my regular grocery stores/supermarkets.

I’m happy that the “declined” thus far is ONLY for that 1 gas station, I’ve been able to use the card successfully at another gas station 3-5 minutes later.

Etihad Guest has been added as one of the two new FF programs coming to Bilt, they have pretty ample coverage with other CC programs, so not a huge addition

Apparently mortgage is going to be limited to only one company - UWM. I read reddit reports that they have reputation of selling mortgages to other companies pretty often. Kind of a bummer

UWM no longer sells its originating loans unless it is a specific sponsored product where it really can't handle it because of reporting or investor requirements. Today, most of their loans are done via a subservicer (like Cenlar), but they are moving fully in-house next year and Cenlar would be considered UWM servicing anyway. Now Cenlar is a terrible servicer including delay of payment crediting, but I can assure you that if you get a real bank servicer like Chase (which actually invests and funds most of the securitized UWM loans), you are better off than any Bilt offering.

Every few years, we see these hyped financial data mining companies where the idea of monetizing the consumer data to various companies might have financial benefits, but I actually think because Bilt is rather complicated to get real benefits, it is going to be full of gamers who will milk the system. Bilt needs this today to show volume and reach, especially among larger HHI users, and I know the Bilt mortgage tie-up is to get to even more households, but it seems to be mostly to get a big investment from UWM. UWM thinks it might drive customers to them, but I remember when those hotel or airline point programs were so prevalent when you are getting a mortgage - you pay for it somehow and getting a loan without that setaside kickback or higher rate is always better.

I totally understand people participating today to take rewards from the investor money as fast as possible, but you really don't want UWM unless they are absolutely best interest rate or deal for your situation.

or get the mesa card

Just received the following e-mail:

"Mark your calendar: February 7th, 2026
https://ci3.googleusercontent.com/me...png?1762183873Bilt Card 2.0 officially launches February 7th, 2026.
In early January, we'll be hosting a special event where we'll reveal our three new cards. After the announcement, you'll be able to select which card¹ is right for you, and we'll deliver it to your door ahead of launch—so you're ready to go from day one.
Want to be the first to know when we drop the full details? Sign up at biltrewards.com/card for early access."


"

Your card number stays the same

https://ci3.googleusercontent.com/me...png?1762189669All your major subscriptions, autopay, and saved payment methods stay the same. And everything in the Bilt app transitions over with no action needed from you.

Digital wallets auto-update

https://ci3.googleusercontent.com/me...png?1762193235Your Apple Pay and Google Pay will automatically refresh with your new card.

No hard credit inquiry

https://ci3.googleusercontent.com/me...png?1762189675Select from three new cards1 with no hard inquiry on your credit report.

Earn points on mortgages

https://ci3.googleusercontent.com/me...png?1762189660In addition to points on rent, your new Bilt Card 2.0 will let you earn points on mortgage payments, regardless of who your mortgage servicer is."

(Bolding mine)

No hard inquiry for the new card thank god. And any mortgage provider earns points? Hopefully the card stays free.

They are saying no hard inquiry, but I have to wonder whether this is in fact going to show up as a new trade line in credit reports. I don't like the language about the ability to "transfer" your balance from your existing Wells Fargo account to the new Cardless account. New trade line definitely matters more than a hard inquiry for many of us.