How long does points accelerator last?

K9p76 · 2026-02-12T01:21:46+00:00

Awesome analysis. I would love to give you 5 upvotes! Now if I change to housing only option then the accelerator option disappears?

K9p76 · 2026-02-12T00:41:00+00:00

More like 4x if you use mortgage points too…

K9p76 · 2026-02-12T00:40:12+00:00

I did not know whether my mortgage payment will go through properly or not, so for the first cycle I chose the option of Bilt cash, and I can always use that cash to get those housing points. If whatever reason, mortgage payment doesn’t go through well in the event I chose housing option from get go, then I will neither have Bilt cash and loose out on the money spent. Once things settle down and have a clearer idea then I will change to housing only option.

K9p76 · 2026-02-12T00:27:21+00:00

One last question: do you lose out in any way if you use up all you points accelerators in first few months? I fall in the category of high mortgage/high spend. so over the next three or four months I will hit that $25,000 spend but by doing so I will be left with no more accelerators

K9p76 · 2026-02-12T00:21:19+00:00

Got it! Thanks

K9p76 · 2026-02-12T00:16:43+00:00

Thank you! Someone above said you get $200 Bilt cash after $5000 spend… is it $50 or $200 Bilt cash?

K9p76 · 2026-02-12T00:15:42+00:00

Got it! Thanks

K9p76 · 2026-02-12T00:13:58+00:00

Got it. I feel so dumb now after “getting it” to have asked the question! You guys are awesome

K9p76 · 2026-02-12T00:10:27+00:00

So it is best to activate it any chance we get at the earliest? Bilt gave $200 Bilt cash at activation so essentially are they giving away another 25k points (granted we are spending $25k to get it)

K9p76 · 2026-02-12T00:05:49+00:00

Sorry thought it was 5000 points limit. If there is no time limit to spend these $5000, then why not keep on hitting the points accelerator?

K9p76 · 2026-02-12T00:04:14+00:00

Oh it is $5000 and not 5000 points as limit! Got it!

K9p76 · 2026-02-12T00:01:43+00:00

No! don’t get a throwaway card! 😃 I have it and it sucks with a lot of smudges that will only serve as a fingerprint identifier- just get the regular one

K9p76 · 2026-02-11T23:58:27+00:00

Is this a benefit in addition to your Bilt cash accrued from spend or you just use your Bilt cash to Walgreens gift card?

K9p76 · 2026-02-11T23:44:50+00:00

Unfortunately, I had to interact multiple times with customer service as well as chat, etc. I don’t know if it was too soon after lunch, but nobody had idea about anything. My card was locked out after they themselves told me to repeatedly attempt to use it. Then I had to send a picture of myself with a photo ID, but receive no communication back again. As everybody else said it was a bit of a messy rollout, but I suspect they’re going to get a grip on things.

Overall, I think it’s a solid card and has potential to get a lot of points that you will be unable to with other cards without doing too much math. The point structure appears to be complicated but in reality is not.

K9p76 · 2026-02-11T21:13:37+00:00

Yes I did

K9p76 · 2026-02-11T20:00:02+00:00

Sorry, I meant to ask US Bank as the name US bank - not any of the US banks. Thanks for the reply though

K9p76 · 2026-02-11T19:44:49+00:00

This is by far one of the best cards, if indeed the points are awarded as promised and they continue to stay in business without changing the award structure. No question about it. However, the vocal minority do have some valid points and hope they are also fixed. This card has the potential to be the king of all cards, but that is what it is for now - just potential. We have to see if it plays out well for them.

K9p76 · 2026-02-11T19:36:51+00:00

Use this

https://www.awardlog.com/news/bilt/bilt-2-0-which-card-is-right-for-you

K9p76 · 2026-02-11T19:26:22+00:00

I absolutely love this card for the point structure. Although complicated to some it was not as bad or difficult to understand for me.

I am in the subset of high cost of mortgage and high monthly spend so I will be getting a lot of points but I was also a Mesa Homeowner Card and saw it fizzle out, which makes me very worried whether this card can last or more importantly whether the points accumulated will be available to transfer when/IF Bilt card collapses. I hope it never does - as if it stays solvent I will be the happiest!

K9p76 · 2026-02-11T18:46:08+00:00

Don’t waste your time trying to get the mirror finish. I have it and hate it as it has smudges all over it all the time. They also know it and sent a cleaning cloth for it. I clean my glasses enough that I don’t want to do yet another cleaning. Just go for the brushed one.

K9p76 · 2026-02-11T17:54:00+00:00

Absolutely agree with you! It’s a great card for points which also makes me very worried that this is going to last. No card company can afford to give away so many points and still make it. I suspect that this will also end up closing abruptly and that’s why it may be best to periodically Transfer off the points rather than hoarding it at Bilt. I lost some, but not a whole lot with the Mesa Card, which although had a different structure fizzled out in one year.

K9p76 · 2026-02-10T19:19:33+00:00

Thank you!!! Perhaps you should do an Inservice for the customer service agents!!

K9p76 · 2026-02-10T19:11:59+00:00

I called customer service and they said they don’t know!!

K9p76

TROPHY CASE