Bilt Cash: Couponization to the Max | Coffee Break Ep90 | 1-27-26

By
Caroline Yoder
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2

With Bilt 2.0, Bilt introduced a complicated new rewards currency called “Bilt Cash”. We’re going to try to dissect that today.

CB: Bilt Cash: Couponization to the Max

Watch the full episode below, or listen on your favorite podcast platform. You can click the timestamps below to navigate directly to a specific part of the episode within YouTube. For a transcript of this episode, click “Watch on Youtube” on the video below, then click the “…more” link in the video description. This will expand full video details. Scrolling down past the timestamps and chapters, you’ll see a “Show Transcript” button. If you’re an Apple Podcast listener, you can touch and hold a podcast episode to reveal an option to view a transcript.

Watch here:

Or listen here (or click “Follow” on the player below to select your preferred podcast app instead):

(00:00) – Bilt 2.0: 3 new cards, 2 complicated ways to earn points on housing payments; and 1 complicated new rewards currency… Bilt Cash

Read more about Bilt Cash here…

(00:19) – Earning Bilt Cash

(01:34) – December 31 Bilt Cash Gets Trashed Day

(02:07) – Using Bilt Cash

(10:03) – Evaluating Bilt Cash uses

(16:07) – Coupons

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Music Credit – Beach Walk by Unicorn Heads

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Shan

That was a great point about the 3cpp redemption rate for the coupons. 
When I saw the long list of coupons, I didn’t care about how to use them at all as I knew with my high rent-to-spending ratio I wouldn’t have spare B$ for anything else anyway. But now I actually think the Bilt cash design is quite smart. It indeed allows flexible ways to reward different types of cardholders for using the card on non-housing spend – if you like points and pay for housing, you use B$ to unlock points on housing; if you don’t pay for housing, you can spend B$ on accelerators and earn more points on non-housing spend; if you prefer cash to points, they’ve also got a thick coupon book to choose from. 

It’s a shame they made such a bumpy launch. It all started with the stupid math. If they set the cash-point exchange rate at 1cpp or 2cpp initially, they wouldn’t need the alternative option and make the system more and more complex. I guess they figured 1cpp is too low 2cpp is too high, let’s make it 1.33cpp.

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Tom

The topic might have been divided into two podcasts: the big stuff and the little stuff. Also, optimizers might follow the math but the average person/newbie will not. I see eyes glazing over. Sincere feedback.

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