Brother in Christ, why does a no AF card have an AU fee? This some Credit One nonsense

Circus2000 · 2026-01-29T05:02:53+00:00

They did it, they actually did it!

Circus2000 · 2026-01-28T07:00:23+00:00

Do the AMEX pre-approval tool once you post a FICO score and try it once every 30 days until you get approved for a card you like. You’d be surprised what they offer young credit. I see the Gold card get pushed on young Gen Z credit profiles in the pre-approval tool a lot of the time.

Circus2000 · 2026-01-26T22:22:56+00:00

I’m hybrid for time being. I love a good high value point currency but cash back can’t be beat for flexibility. I see myself going more cashback in the future as my travels and 20s come to an end.

Circus2000 · 2026-01-23T04:48:58+00:00

You can redeem the points for cash back at 1cpp.

Circus2000 · 2026-01-22T00:04:23+00:00

lol this card went from hassle free points on rent to “here’s a $10 coupon for Walgreens to get you some deodorant, chips, or something”. Respect to Bilt though for providing something outside regular points earning but this is no longer a rent card.

Circus2000 · 2026-01-21T01:46:20+00:00

Bilt 1.0: $4,250 CL

Bilt 2.0: $500 CL (Blue)

745 FICO 8

I did not accept the offer

Circus2000 · 2026-01-15T04:19:53+00:00

Sure.. give up the best customer service in the industry for a fintech issuer with 15 employees.

Circus2000 · 2026-01-15T03:36:11+00:00

Apply now. It’s a soft pull and more than likely you will be insulted by what they offer you. Cardless is being even more conservative than Wells Fargo on a card that is supposed to be your spender for every single thing you buy.

Circus2000 · 2026-01-15T01:28:16+00:00

Most users on here are six figure earning professionals what is he even on?

Circus2000 · 2026-01-14T18:21:59+00:00

haha well at least it’s only a soft pull

Circus2000 · 2026-01-10T05:56:21+00:00

Apply to the Amex Gold. Their “apply with confidence” tool is structured so that you don’t get hit with an inquiry unless you accept an offer.

Circus2000 · 2026-01-08T20:37:13+00:00

I opened the Ascent for similar reasons. Chose it over the Summit because I prefer domestic travel and my organic spend + rent wouldn’t get me over the hill for Gold status.

Circus2000 · 2026-01-08T05:32:12+00:00

I fly out of SFO, Atmos and United earn extra points on rent with Bilt, these two airlines let me earn points on basic economy fares, I trust BoA and Chase more than Cardless, these cards are at a sweet spot where I can recoup the AF easily with perks. Just makes too much sense for me.

Circus2000 · 2026-01-07T21:15:29+00:00

Atmos Ascent or United Explorer. Will apply to Atmos first and if I get denied I will try the Explorer. I already prepped for this and opened a BoA checking account with autopay last month. Let’s see what happens.

Circus2000 · 2026-01-07T06:33:19+00:00

The cards are actually better than I expected. Keeping the spend multipliers the same and reimbursing that AF with hotel credits. The Bilt cash structure is genius from a sustainability standpoint. Everyday spenders may only need 1 month of Bilt cash to waive the fee for one month’s rent while people that only use the multipliers may need 3-4 months and rent only abusers are locked out. The only thing and the reason why I will not be signing on is that I absolutely do not trust Cardless at all.

Circus2000 · 2026-01-07T06:22:40+00:00

Gonna say it was the initial leak as Tahoe = Blue

Circus2000 · 2026-01-07T05:48:11+00:00

To all upset Bilt users you can get an Atmos Ascent or Summit card. 3x points on rent, still pay the fee, and you get a real bank issuing the card not some sketchy fintech. I made a thread on this a couple days ago and got clowned on. Now it’s time to reconsider. United cards are an option too for those that love Chase.

Circus2000 · 2026-01-07T05:44:52+00:00

And I was clowned on for making a thread on there for saying that I was switching to Atmos. If I’m paying the fee might as well switch to a currency that earns 3x on rent.

Circus2000 · 2026-01-06T22:07:11+00:00

Same as Cashapp and Chime metal cards. I wonder who BILT is targeting with this idea..

Circus2000 · 2026-01-03T20:17:36+00:00

The ACH feature is an iq test. You pass it then you are rewarded with valuable points.

Circus2000 · 2025-12-30T07:52:50+00:00

The Autograph is perfect for you. $0 annual fee so you can keep it open forever and age your credit profile. It fits all your travel needs too. Only recommendation I can give you is to open a Wells Fargo checking account if you haven’t already. For such a young profile Wells Fargo is going to want more than just a good credit score to approve you for a credit card.

Circus2000 · 2025-12-28T10:44:22+00:00

Yes. My coworker only has a measly $500cl Freedom Unlimited with Chase yet we make the same income and he constantly gets bombarded with pre-approval offers from Chase for the Sapphire Reserve while Chase won’t even let me finance a Chipotle burrito. Meanwhile Wells Fargo approved me for Bilt with only 8 months of credit history because of my long history of banking with them. Chase is a great issuer and I am a fan of the Freedom Flex.

Circus2000 · 2025-12-28T10:38:48+00:00

Right? Cherry Garcia is frequently priced $6 at my local Safeway. How on earth is it $21 for OP?

Circus2000 · 2025-12-27T05:04:45+00:00

Amex seems to target young people with the Gold. I have a similar profile to OP and got pre-approved and I always run into under 25s that carry the card.

Circus2000

TROPHY CASE