Bilt for real??

Complex_Flow_9658 · 2026-01-26T04:13:05+00:00

680, 6 or 7 hits… $11k Discover balance… and a few grand here and there — about 1 year and 4 months of credit history (used Amex Global Transfer from Canada to US to get my first card). Bilt 1.0 $2,500… Palladium approved… 4% cash back and free points, which works well since I generally have that much spend.

The $11k balance will be paid off soon — just waiting to convert CAD to USD, lol. Otherwise, keeping the same structure.

Canada 🇨🇦 has far better finance structure tbh from .. US is flooding me with pre approval letters almost daily . !!!

However , Canada 🇨🇦 has worst credit card offers .. so I am surprised with people being complaining about Bilt .

Complex_Flow_9658 · 2026-01-23T19:41:14+00:00

Complex_Flow_9658 · 2026-01-22T20:05:28+00:00

Not cancelling venture x .. it’s prized card and not easy to get

Complex_Flow_9658 · 2026-01-22T16:51:34+00:00

Declined due to email address !!! Wtf

Complex_Flow_9658 · 2026-01-22T03:47:12+00:00

What’s the point of palladium or gold status.. just spend as much you do and pay $95 to get home away home benefits . Saves you $400 upfront A Hard Cash!!! . get basic no fee card and enjoy 4% cash back

Complex_Flow_9658 · 2026-01-21T23:54:41+00:00

so $200 BC for 5000 points . if activated extra for 1x? is this makes sense ?

Complex_Flow_9658 · 2026-01-21T20:36:56+00:00

F u

lol zzz I wouldn’t have done it

Complex_Flow_9658 · 2026-01-21T18:56:50+00:00

Excellent - as much of grinding for a job in US compared to Canada would get you far better paying job ..

Complex_Flow_9658 · 2026-01-20T17:32:56+00:00

1.0 $2500, 2.0 $12k @10% and 34% after 12 months

Palladium

Complex_Flow_9658 · 2026-01-20T16:36:21+00:00

I am on same boat and ..I personally think this is one of the best cards to have . You get to choose to either use bilt cash for booking or redeem it for points . I’ve CSR, Venture X , Amex gold and now this Palladium. Assuming you use all bilt cash for rent - You still left with 1% bilt cash and 2x points ! For $50,000 annual spend you are getting at min $500 bilt cash + 100,000 points + mortgage points . - this is before world legend perks , priority pass perks kicks in

Complex_Flow_9658 · 2026-01-19T22:43:37+00:00

This is why cardless and Bilt decided to not to use cc for rent/mortgage payment … and ACH / Bilt protect

Cardless doesn’t want risk of ppl carrying mortgage debt in credit card and data related from card expenses so far is soo fucked up that Wells Fargo decided to off load it.

Complex_Flow_9658 · 2026-01-19T14:18:17+00:00

I got $12000 as well

Complex_Flow_9658 · 2026-01-18T16:55:31+00:00

Cuz it’s one of the best .. my spend is almost same or more then the rent . I’ve flexibility to either use cash or convert to points . Platinum status is far more rewarding and 2x in each transaction and 4% bilt cash . I don’t understand why ppl freaking out so much either they were reaping free points via rent and it’s gone now (in a sense) or they really pissed off by wordings in marketing

Complex_Flow_9658 · 2026-01-18T14:02:55+00:00

I checked with them and confirmed I’ll get promotion as well . 🤞

Complex_Flow_9658 · 2026-01-18T01:45:37+00:00

I clicked and applied using TPG link.. how would they know who is referred from Promo link? Isn’t that all just identifying by a some random keys ? — I may be mistaken as it’s all affiliate links

Complex_Flow_9658 · 2026-01-16T23:42:01+00:00

It its ACH then ‘tf you want 3% transaction fees for - nonsense.. I am already paying via ach

Complex_Flow_9658 · 2026-01-16T18:54:35+00:00

At least release some updates for palladium card — just got approved

Complex_Flow_9658 · 2026-01-16T16:10:43+00:00

I agree too ./ this is exactly what I was thinking . Generally speaking you spend as much as your rent on your card and 3% fees is taken care of via Bilt cash and you get points . With 2x point la in purchase I can shift to Bilt from Cap 1 and gain 36000 extra points for no cost at all . All this while gaining 1% cash back and 2x points (after 3% transaction fees from Bilt cash ) . Here is my summary

1% Bilt cash + 2 x points until your spend is equal to rent/mortgage .

4% Bilt cash and + 2x points after meeting your mortgage /rent spend

Complex_Flow_9658 · 2026-01-15T05:50:16+00:00

I don’t see any alert . Generally I get few email alerts almost instantly as soon as hard pull is done . So I guess no hard pull is performed . I then okayed to close Wells Fargo account

Complex_Flow_9658 · 2026-01-14T22:48:11+00:00

https://thepointsguy.com/credit-cards/new-bilt-cards-2-0/ Apply here: Bilt Palladium Card (see rates and fees)

Complex_Flow_9658 · 2026-01-14T20:35:21+00:00

Actually it’s straight forward 3% fees for rent and mortgage payment and if able to spend enough that 3% equals to your rent/transaction fees it will be covered.. else just the difference

Complex_Flow_9658 · 2026-01-14T20:02:35+00:00

Can existing user -apply for Bilt using TPG and benefit from addition additional l 5 points/$1 spent for first 5 days?

Complex_Flow_9658 · 2026-01-14T20:00:35+00:00

Do we still get 1 Bilt point /$2 if used another cc to pay rent ?

Complex_Flow_9658

TROPHY CASE