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r/biltrewards

Image 1 — Ways to spend the Bilt cash?
Image 2 — Ways to spend the Bilt cash?
▲ 32 r/biltrewards

Ways to spend the Bilt cash?

After running out of the 5 points accelerator, everyone recommended me to switch back to the “housing only” option. But it turns out that the Bilt cash redemption for rent only works when “flexible Bilt cash” is enabled even if you have built up a Bilt cash balance.

So now I’m switching back to “flexible Bilt cash”and will just be using Bilt to pay for housing expenses. Everyday expense will have to go to amex and Robinhood because I won’t be able to use all the Bilt cash by year end if I earn more Bilt cash.

I only really use the $10 Grubhub credit and once in a while the hotel credit. And under option B, about $200 Bilt cash is used per month for the rent redemption. Aside from going to a hotel every month just to use the Bilt cash, any suggestions on what I should do to use up the Bilt cash?

u/wagagagaggag — 8 hours ago
▲ 14 r/biltrewards

Bilt does not want to pay sign up bonus

Checked my sign up bonus spend repeatedly on Bilt Concierge which told me that I have met my spend threshold on May 6th, 2 days before the 90 days clock expired. However, I did not get the bonus till now. When I asked once again, I am being told that I have not met the spend threshold. No help from customer support. How is this even legal?

u/somnet — 4 hours ago
▲ 78 r/biltrewards

Priority Pass Benefits Expanded?

I just logged into my Priority Pass account, and all of a sudden restaurant credits, spas, etc. are showing up. I checked in both the app and on the web, confirming I was logged in. Anyone else seeing this? I'm wondering if the benefits have been expanded, or if it's just a glitch. Hoping for the former!

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u/lp_dc — 2 days ago
▲ 56 r/biltrewards

I am not and have not been in New York

Ummm???

This is also my Google voice number for my small biz. Not linked to my Bilt card. I’m smart enough to not click on the link, and I don’t see any chages on my WF autograph card (I didn’t make the switch and haven’t even activated the Autograph card) - what do I even do in this situation? Ankur if you’re lurking, this is why I left BILT

u/Empty-Masterpiece368 — 22 hours ago
▲ 41 r/biltrewards

FYI Grubhub credits can't be combined with promos

There are many promos going on right now and the new implementation of the monthly credit is a promo code and no longer a gift card.

This is big regression compared to applying a gift card, and hurts the value of those credits.

Hopefully this gets traction and Bilt changes how they provide grubhub credits.

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u/xsesa — 1 day ago
▲ 108 r/biltrewards

Charged almost $80 in interest for April statement paid in full

Like many of you, I was incorrectly charged interest on the entirety of my April statement balance despite never having carried a balance. I called Cardless last night (at like 10pm PDT on a Sunday so I do appreciate that a live agent was available!) and they immediately reversed the charge.

I’ve been a big fan of the Palladium card while also checking my transactions frequently due to all of the issues reported on this sub, and this is the first time I’ve had an error like this. $80 in interest is nothing to sneeze at, though.

u/re23binsd — 2 days ago
▲ 162 r/biltrewards

Check your account very carefully, Bilt charging interest for no reason.

Palladium card user here. I pay off my card in full one day after receiving the statement. Just noticed that I have been charged an interest and proceeded to call customer service. They could not identify any reason for the interest charge and could not assure this won’t happen again. I am not fully convinced it is just a glitch in the system. If possible, please let me know if you have experienced something similar. If there is evidence this is fraudulent, accountability needs to be established.

u/whereismybobamilktea — 3 days ago
▲ 101 r/biltrewards+1 crossposts

I did some shopping!

I did some shopping got some great deals and about $1,000 of cash back which will translate into 100,000 bilt points for me. I made a whole video on how to do it if you guys are curious just DM me.

u/xAlpharaptor — 6 days ago
▲ 42 r/biltrewards

Anyone Else Not Finding Bilt Cash Worthwhile?

I'm Bilt Palladium and I feel like I'm accruing Bilt Cash faster than I can find ways to spend it. I take advantage of the hotel credit from time to time and a few of the monthly credits (Lyft ~$10, Walgreens ~$10, Barry's ~$40). I'd do the dining ones if my city had any mobile checkout options. I'm feeling like this isn't worth it. How is everyone else feeling?

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u/Jungle_Bird_22 — 3 days ago
▲ 0 r/biltrewards

Do I dispute this?

This posted on my credit report recently, no change to my credit card statement. But no idea where it is coming from, I don’t live in California.

u/spookyB0 — 9 hours ago
▲ 0 r/biltrewards

Anyone Else Unable to Activate the Point Accelerator Now?

Or is this just a "me" problem?

Edit -- Problem solved, and it turns out that it was a "me" problem. Didn't occur to me to swipe the arrow as I kept clicking on it, and on the text next to it, with no effect.

reddit.com
u/Pretty_Good_11 — 1 day ago
▲ 70 r/biltrewards+1 crossposts

Bilt Palladium & Citi Strata Elite Priority Passes now includes non-lounge experiences: Restaurants, spas, etc.

https://frequentmiler.com/bilt-palladium-priority-pass-now-includes-non-lounge-experiences-restaurants-spas-etc/

>For several months, the World Legend Mastercard website has listed its Priority Pass benefit as: Get access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.

>Although there was that mention of dining, retail, and spa experiences, the corresponding Priority Pass memberships didn’t include that. Mastercard does allow customization of card benefits, so we’d assumed that neither Citi nor Bilt wanted to invest in a more expensive kind of Priority Pass.

>However, the fact that it’s now showing for both those cards might mean that restaurants and spas were omitted inadvertently in the past—that they should’ve been accessible for Strata Elite and Palladium cardholders all along.

>That said, perhaps this is a glitch on the Priority Pass membership, but it seems strange that it would only happen for the membership type that comes on these two specific cards. If you have travel in the coming week and you’d want to visit an airport restaurant or spa location, it’ll be worth verifying beforehand that it’s still showing for you because if this is a glitch, it could get pulled quickly.

u/nattyice27 — 1 day ago
▲ 9 r/biltrewards+1 crossposts

Question about Rakuten BOA credit card offer. Why is it showing $0

As Rakuten is offering $300 on BOA’s travel credit card. Why is it showing $0. Is it the same for everyone? I just applied last night.

u/Beneficial-Raise-839 — 2 days ago
▲ 18 r/biltrewards

10x Points on Blue Card

got this offer…time to blow the dust off my blue card for the next $1k 🤣

u/k0b3bryant — 6 hours ago
▲ 18 r/biltrewards

Bilt 2.0's "autopay continues uninterrupted" was a lie - $213 in fees, NSF, and our building blocked us

I'm here like several others sharing my pain with this horribly handled transition to Bilt 2.0 and to hopefully get some form of remediation.

Bilt 2.0's introduction email (subject line "Bilt Card 2.0 is here") clearly states:

  • Choose a new Bilt Card by January 30, 2026 to ensure a seamless transition:
    • Keep your same card number — subscriptions and autopay continue uninterrupted

"Autopay continue(s) uninterrupted".

I, like many others, am the kind of person to set up autopay and then keep track of payments through a centralized system instead of checking each CC every month. I had no reason to believe Bilt would somehow not honor autopay when their email explicitly states they would.

I've faced two major issues because of this:

1. Unexpected Late Fees + Interest Charges

Feb 14, a balance transfer of $2,948.61 landed on my new Bilt 2.0 card. The autopay that had been paying my Bilt statement in full every month for years did not carry over. No notification from Bilt that it was gone.

So the balance sat:

  • April 13: $30 late fee
  • April 16: $66.96 interest
  • May 11: $41 second late fee

I had no idea about this until I got a very surprising unpaid balance email. I paid the full $3,086.57 on May 12 to stop the bleeding and any negative credit reporting.

2. Returned Bilt payment from landlord

March 12, Bilt fired off my March rent of $2,564. Charge posted to my new card. "Payment - Bilt Housing" posted to my statement. My landlord's ledger showed the payment landed. Looked fine. Or so it seemed.

March 17, Bilt reversed the whole thing. Payment was returned. Landlord charged me $75 NSF the same day. No ACH was ever attempted from my bank. Not a failed pull, not an NSF on my end, nothing. Bilt's system displayed a payment that never had any money behind it, sent it to my landlord on paper, then unwound it five days later.

The kicker is that this happened to my roommate as well and his payment got returned with an NSF as well + $75 fine!

This caused RentCafe (my building's rent payment provider) to block online payments entirely on our account for the entire remainder of our lease (several months), forcing us to pay via money orders / cashier's cheques - which have proven to be a massive pain to arrange.

Tally up the damages:

  • $137.96 in Bilt card fees and interest
  • $75 NSF from my landlord, directly tied to the 3/17 reversal
  • Total: $212.96 out of pocket
  • Plus whatever the credit reporting damage ends up being

I'm surprised there hasn't been a class action against Bilt yet for how they've handled this transition. They've quite literally broken an explicit promise from their Bilt 2.0 transition email causing a lot of downstream pain.

I've emailed support and will be filing with CFPB if the needle doesn't move in the next few days.

People who've experienced the same thing - is there anything you did that helped i.e. made Bilt rectify the damage? Support, social, CFPB - what's worked?

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u/rohan_7997 — 19 hours ago
▲ 38 r/biltrewards

Points Accelerator De-Activated

Had points accelerator active. There was a $1950 merchant refund on my card. The points were nominally clawed back. But the points accelerator is showing closed with only 3,000 points earned not $5,000. The bot chat says I need to reactivate it for another $200 bilt cash. When escalated to a person they just say they’ll follow up in email and IMMEDIATELY end the chat. No timeline. No acknowledgement. How is this normal?! How can we escalate these issues?!

u/NoRow1709 — 2 days ago
▲ 41 r/biltrewards+1 crossposts

Bilt used to feel renter-focused. Now it feels premium-lifestyle focused.

I used to be a heavy Bilt user and had almost all of my bills and spending tied to the card. I don’t anymore.
What originally made Bilt stand out was that it felt simple, renter-focused, and honestly fun to use. Rent Day trivia/videos, flexible travel rewards, and everyday usability made it feel unique in a crowded credit card market.
Now it feels increasingly focused on premium lifestyle branding instead of average renters.
Other cards already offer easy 3X gas/restaurants/travel without portals or curated programs.

Dining and lifestyle partnerships feel geared toward upscale audiences instead of normal everyday spending.

Travel increasingly pushes users into the Bilt portal.

The newer $95 and especially $495 premium tiers feel disconnected from the reality of many renters.

At this point, the transfer partners are the main reason many people still keep the card.
The biggest disappointment honestly is the culture shift. Bilt used to feel different and customer-focused. Now it feels like it’s losing the identity that originally made people excited about the brand.

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u/No-Angle-6780 — 3 days ago