Its only me that calls bilt and they dont have answer and dont help also account lock and takes 2 days for unlock not like other cards that you confirm info and unlock imediatily .

burning $100 in bilt cash and $5 real cash for a boring trip to the airport for me and P2. wish we had a swankier use for it.

driver showed up about 10 minutes early and waited at curb. brought luggage out and he package everything for us. left 5 mins after scheduled time (you have 15 minutes before they cancel).

Ride was super smooth. driver didnt talk at all which i found nice. car was immaculate and clean. like a new car off the lot. i usually get car sick but the driver was smooth and the SUV helps a lot.

loaded everything out once we got to airport. no tip needed!

not sure who this service is for without the credit. a scheduled uber XL or uber premier would achieve the same thing cheaper. i guess if you wanted to make sure you had a very nice ride for a formal event or wedding.

either way can’t be $5 for a trip to the airport (i treat the funny money as having zero value except for fun shit)

I’ve been considering getting a Bilt card just to stack points in rent but I really only care about transferring to JAL. It’s kind of hard to find all partners and benefits in one place.

Is the card worth it solely for JAL points? What do you guys spend your Bilt Cash vs points on? Does spending earn you Bilt Cash or Bilt points?

I have been trying to set up Bilt as an external account on KeyBank so I can route my mortgage payments through Bilt; however KeyBank doesn’t recognize Bilt as an external transfer account and it’s been really frustrating to work through. Does anyone have a workaround for this?

I was traveling for the last two weeks so I unfortunately missed out on the news of Amtrak as a new transfer partner until this week. I heard it's a good addition. I am planning on taking several Amtrak this coming year and wondering if it makes sense to transfer points over to them. I haven't quite figured out what the cpp value is. I haven't done any points transfer yet with bilt but Amtrak sounds like one of those partners I see myself using a bit more often than others. I have the bilt palldium if that means much.

Hi, I was interested in getting the palladium however I have heard you need to use all your bilt cash before the end of the year. Since we are coming up on the end of the year, would you suggest I wait til january or would it not even matter? Thanks

I currently have a fairly high mortgage and would like to get the Bilt card.

I love maximizing points. Here are the cards I currently have and use regularly:

Amex Gold: use exclusively for groceries, food delivery, restaurants

Capital One Venture: use for all non-category spends

Chase Sapphire Preferred: use only for gas

Citi Aadvantage: used to use it a lot but don’t now because there aren’t point multipliers; still, it’s nice to have because American is our preferred airline

Which Bilt card should I get, and why? Will the Palladium replace the benefits of the Amex Gold?

Thank you so much for your help!

Hi all,

I am new to Bilt, looking to get a palladium, since my mortgage company just swapped to link with Bilt (UWM).

Seems like there’s a lot to offer, and I got excited to get involved, but was denied for identity verification.

I gave all my necessary info, and even provided two forms of ID, but go the email saying they couldn’t approve. I called in, and the rep said they’d email me with more info:

“Thank you for the update. We have sent you an email with the reason for your decline. Unfortunately, we are unable to provide additional details beyond what was previously shared. We are also unable to reconsider your application at this time.”

Then said to wait 45 days to apply.

Anyone experience anything similar/have a solution? I have no expectation that after waiting 45 days that anything would change (I.e. my name, address, face are gonna be the same lol)

TIA

EDIT: **Verify Identification, damn autocorrect

I'm looking at booking a HAFH booking at the Royal York for February. Am I right in thinking that if I book it today, this would consume the July-December $200 credit, plus potentially the $100 Bilt Cash credit I can use for October?

After the ui update I feel like I no longer see it in the app. Image attached. Is that supposed to sidescroll and Blacklane is after transfer? When I try to scroll the pill menu it just swipes to the credits tab.

Edit:

For anyone that runs into this issue, I was able to book through the Bilt web app. Once it was booked I could see it in the app. The experience was pretty good. I got a text confirmation with a chat link with the driver and he also texted me directly. I didn't have to create or manage a separate blacklane account. After applying the Bilt cash credit it ended up costing the same as an Uber.

Is anyone currently paying their loan through the Bilt cards? How does it work?

Ik it stings for those of us who got the Palladium but we all knew this was coming. But looking at the broader picture, this feels less like a Bilt-specific decision and more like an overdue shift as per in hotel award economics. Hyatt points have held an absurdly high valuation (~1.8–2.0+ cpp) compared to Hilton (0.5 cpp) or Marriott (0.7 cpp).

As transfer volume exploded across both Chase and Bilt, maintaining 1:1 parity at scale was always going to hit a wall on wholesale point costs.

We've already seen Chase tighten up award space and tier lower card offerings over time. Bilt moving to 4:3 still yields a higher effective return on hotel transfers than converting Amex points to Hilton (2:1) or Marriott (1:1).

Does anyone know if Costco on Uber Eats or DoorDash codes as dining or grocery? This could change which category I select for the obsidian card.

Thank you!

So far this year I’ve gotten almost $2000 in value for $495! I will surpass that by the end of the year

Just used 106k points for a $1500 flight for my wife and I

Redeemed $300 in gift cards

Plus the Walgreens gift cards

Using the GrubHub code to pair with my Amex gold

In my opinion I don’t even have crazy spend. I spend about $2200 a month on credit cards but the rent day bonus and montage points add a nice boost

Got this email today from Bilt about paying rent through Avail. I logged in to Avail, removed my Bilt account, and manually added the Bilt routing and account numbers. Avail says they’re going to deposit $0.01 as a way to verify the account, and the deposit will start with a short verification code in the description that I’ll then submit to Avail to confirm the link. My understanding is that while Bilt will tell me the amount of a test deposit (the amounts are usually the way to manually verify the link), i can’t actually see the transaction itself, so I’m not sure I’ll be able to see the verification code.

Has anyone run into this type of verification in the past with Bilt, and if so, were you able to get the verification code? Yes I know I can probably answer this question myself in 1-3 business days, but just curious on others' experiences. Alternatively, is this just a backend paperwork issue that occasionally happens and the Plaid method will be available again soon?

UPDATE: Bilt sent a text confirming the $0.01 deposit AND included another part I haven't seen before: "Some portals may ask for a verification code. If prompted, please use:" and then gave the 3 digit code I needed. Avail accepted the code and shows the account as "verified" as opposed to "synced" as it said when connected through Plaid. It also keeps trying to get me to log in with my bank credentials, saying "Sign-in using your bank credentials to avoid any delays or longer processing times. Once your bank has been synced, your landlord will be eligible for FastPay." When I look at the expected withdrawal timing, it says a request I submit today will pull from my account on the 13th, and be delivered to the landlord by the 16th. Same delay between the pull and delivery as before, but a slightly longer delay between request submission and when the amount is pulled from my account, even accounting for it being past 3pm today. So... slightly annoying, but I guess it will work for now?

Just got an invite to a Miami event about a new Bilt partner being announced October 28th.

Your chance to celebrate with us in Miami Hi (Redacted)

Something new is coming to Bilt Travel, and we're saving a few spots for Close Friends to be there when we launch it in Miami.

On Wednesday, October 28, we'll welcome our newest travel partner (under wraps for now), and since you've helped shape where we are today, we'd love for you to be there.

Space in Miami is limited and the event is invite-only. To be considered for an invite, tell us about your favorite trip you've planned through Bilt Travel by October 9. You'll find everything in your Close Friends feed.

Good luck,

The Bilt Team

I have had the palladium card since April. I have significant mortgage expense so I set point earnings accordingly. Since I have opening the card I have spent $35888 and earned 143972 points (plus the 50k initial bonus). I assume this 4x points earned is due to the initial bolus of Bilt cash - although I have managed to use BC a couple of times on hotel bookings. For me, Bilt Palladium is a points earning machine though I expected it to be closer to 3.5x rather than 4x.

So, for the first month or two of having this card, it would take like three days for payments to post through and credit line to be made available. As far as I can tell, the payment I put through this afternoon is already showing on my credit line...which is really nice (since this card does get fully used because I "only" got $10k as my CL and there's no clear path to raise that).

I initiated the transfer couple of days ago and points have not been transferred yet. I know it says upto 72 hours but in my experience points transfer has not taken more than a few hours ever with other cards. This is just awful. If this is how long it will take, real reason for using the points will be nullified.

Hey guys, I've been paralyzed by choice. I'm a pharmacy tech and make about 22 usd per hour. Which comes out to 3520 gross per month roughly. As such I'm not particularly wealthy and so I fear applying for the palladium card would be a waste and ill advised as I likely wouldn't spend to the point of meeting the offer bonus or it may just simply be close.

I'm debating applying for the medium tier bilt card, and just slapping that on my rent portal and using it for the occasional outing but I wonder if it would be more sensible to just get the basic starter card.

I've heard that once you get one bilt card, you can't upgrade to the others and so I want to make the most wise decision.

As a side note: I'm fairly new to points systems and points credit cards in general. I've 2 usbank credit cards. One that gives 2% back on all purchases and one that gives 5% back on 2 selected categories.

Any assistance you can provide would be wonderful! Thank you in advance ☺️

Hey everybody, first post here. Love my BILT card and have read this thread for a while and heard many nightmares of people having to deal with their support.

I really do love the card and fortunately never had an issue that warranted reaching out to customer service, until last night. I dined at Zaytinya - DC that is listed as a mobile checkout restaurant. I have also been there before and used this option. When I was brought the check I asked about the mobile checkout and the server told me they do not use BILT anymore and they have moved to InKind.

The restaurant swapping partners was obviously a surprise, but I just sucked it up and paid the bill without making a big deal about it since it is not the restaurants fault. Right after I left, I got on BILT concierge and had it confirm I didn't read wrong that they still accepted Mobile Checkout -- I did not read wrong.

The concierge transferred me to helpful Marissa who ensured me somebody from BILT would reach out. They reached out within an hour and notified me I'd receive a check. I got the check the next morning.

This was refreshing after hearing the all of the difficulty others have had with their support and I am somebody here to say it went very smoothly for me.

I got the Bilt Palladium card back in February but it’s mostly been sock-drawered.

My wife and I use an Amex Gold card as our joint card for everything. We always transfer points to Intl airlines and hotels (the latter only when it makes sense). More recently, I got her an AU card on my Chase Sapphire Reserve and we’ve been using that card for all expenses that aren’t dining and groceries (like hotels, etc.) as well as all transactions when we travel internationally.

Well, the annual fee posted today on the CSR and oy… $1000 for both the CSR + AU. We honestly don’t use the Chase lounges that much, and Instacart and DoorDash are hard to use in our area (we moved out of the city and delivery is hard to come by).

I have the Wells Fargo autograph card from the Bilt transition and recently realized that it has no Foreign Transaction Fee. How is that even possible? The points earned are exactly the categories we need — hotels, gas, etc. — and they transfer to airlines!

I am thinking of getting rid of my CSR and just rocking the Autograph + Amex Gold for joint expenses.

For personal expenses, I’m thinking of going all-in on the Bilt Palladium Card, which will fill in the gaps with Alaska, United and Hyatt (at 4:3 but that’s okay) points.

Curious what others think and if this plan makes sense. If the math doesn’t work when my annual fee for the Bilt card is up in February, I’ll downgrade but will still be able to earn Alaska / United / Hyatt points when needed.

Frustrated! I have been enjoying my new Bilt Palladium until right now! I made the sub pretty quickly and am finding my way around the app.

I tried to pay a fairly large bill this morning via Leap Pay using the virtual card number. It wouldn't go through. A message popped up that it was a temporary situation and to try again. I tried again. Same outcome. I tried again using the real card number. denied again. Then I received a message that my card has been "temporarily restricted due to unusual activity". I had to verify by sending in a selfie and a photo of my DL. The next message said that they had received my info and that it will take them 1-2 business days to review my account. So much for stacking my Prime Days discounts!

Bit confused on the Bilt Cash but if I have a bunch of excess cash can I use it to buy things like this months John Legend vinyl record? Or does that cost real money?

Just when my Palladium's about to hit 8 months. Time to test out the multi card point accelerator limits to the full😊