Bilt released details of its new credit cards on Wednesday…but it was so confusing, they tried to clarify it with more confusion.
Breaking News: Bilt’s sudden & crazy u-turn
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(00:07) – Bilt released details of its new credit cards on Wednesday.
You can read more about Bilt 2.0 here
(00:12) – We’ve written extensively about it, and today (as we record this update), we dropped a full-length podcast about it
Find the full podcast here
(01:05) – Bilt heard all of us and doubled down with an even more confusing solution…
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I guess BILT is really trying to hide the fact that the mortgage/rent payments are not made with credit cards anymore, it is strictly through ACH now?
I don’t have the angst that others are expressing throughout the points world. the Bilt link smoothly approved me for the top card. I’ll use the first year perks to offset rent payment fees while earning points, one way or another, plus earn 2 pts/$1 on my misc spend to enjoy the good variety of transfer partners. The math works for me. After the first year, we’ll see…
I think Bilt is trying really hard to win the Bonvoyed award for the year. We’re barely in January!
at this point, I don’t care what the value proposition is, the fact that it so confusing makes me want to cancel the card and forget about the program altogether. And I’m a grad applied math student…
To paraphrase Wile E Coyote, “So simple a child prodigy can understand it.”
Stephen won one point with his predictions. Bilt transition is not seamless as they promissed.
Does anybody know if they are still going to allow BOA Alaska credit card holders to earn 3 points per dollar on rent, even without the card? I don’t have any interest in wading into the morass of the new cards. I’m more than happy to earn the 3 Atmos miles per dollar.
Thanks for wading through the quicksand. It feels like perhaps Bilt needed a couple more months to wind-tunnel test their plans and get all their ducks in a row – it appears super improvised, seat of the pants type activity. Maybe Wells Fargo didn’t give them the runway to figure it out. I’m going to wait it all out and see what’s still standing when the dust clears. I figure I can always apply in the future, I’m going to end up with a new account on my credit report if I apply now or later.
I really, really would love to get the $495 AF card with the 50K point SUB to test it out and highly value the transfer partners (Hyatt, Alaska, JAL, etc.) but this gets more confusing and convoluted by the day that I just don’t think the Return On Hassle is there for me. I now even wonder/worry about if I can trust BILT, Cardless, etc. to process my monthly mortgage payment correctly and on-time.
2026 started just where 2025 ended. I see that we have an early entrant to this year’s Bonvoyed of the Year award.