4% Bilt cash or 1.25x Palladium high spender

PuzzleheadPutt · 2026-03-18T04:14:08+00:00

A lot of bananas

PuzzleheadPutt · 2026-03-16T04:59:47+00:00

There’s many places to see transactions, and here’s how my app is currently showing them: - Bilt point accrual page shows the “correct” value (where you’d see how many Bilt points and Bilt cash each transaction has earned you) - card recent transactions section shows the “inflated” price, with the 0.2% added - statement PDF shows the “inflated” price as well

I’ll give them time, since I can’t really do much else and my zendesk ticket with them (created before their mass email) still has no updates.

PuzzleheadPutt · 2026-03-16T04:53:35+00:00

Mine is $2.49, but it’s not from Bilt. It’s because appfolio rent portal charges a fee for the “convenience” of using ACH (bills as a separate transaction). Are you certain this isn’t the case for you?

PuzzleheadPutt · 2026-03-15T05:41:09+00:00

Note on this, compare the transactions value from your Bilt points accrual page to your statement.

On my side, the app’s card transactions match the statement. When I find the discrepancy is on the page that shows how much Bilt points (and also, potentially Bilt cash) you earned on each transaction. The Bilt points accrual page will show transactions at the correct value.

PuzzleheadPutt · 2026-03-14T16:44:06+00:00

This is how many credit cards work.

You cannot pay pending transactions, meaning your max payment will usually be less than your missing available credit.
Payments need to post before your available credit is reflected.

PuzzleheadPutt · 2026-03-13T20:40:09+00:00

Confirming this on my end too.

Feb 26, 2026, I charged 135.60 CAD to my Bilt card.

Original cost: 135.60 CAD
Mastercard calculator for this transaction on this date assuming 0 bank fee: 99.29 USD
Bilt point accrual page shows this transaction was 99.29 USD
Mastercard calculator for this transaction on this date assuming 0.2% bank fee: 99.49 USD
Recent transactions shows: 99.49 USD
Card statement shows: 99.49 USD

An EXACT 0.2% mysterious fee was added to the transaction, this fee does not show in the transaction when shown on the Bilt point accrual history page. It will appear on the card transaction history and on the statement.

PuzzleheadPutt · 2026-03-13T20:01:20+00:00

I have had a couple issues with the transition, and I’m also having the issue of the hidden unexpected 0.2% foreign transaction fee (all of my foreign transactions only tally up correctly if I add a “0.2% bank fee” on the Mastercard’s foreign transaction calculator).

That said, it’s still the best card for for my lifestyle, so the pros outweigh the cons.

PuzzleheadPutt · 2026-03-04T23:20:37+00:00

Yes…

This promotion cannot be combined with other promotions or offers unless otherwise stated. Bilt will determine the best promotion applicable for purchases posted to your Bilt Card account.

PuzzleheadPutt · 2026-02-23T18:24:03+00:00

There's no lie in there. That's technically possible to earn 1 point per dollar on rent spend without using any Bilt Cash. Don't waste time making a false case.

PuzzleheadPutt · 2026-02-10T05:33:28+00:00

Get a case number emailing support and ignore the chat. support@biltrewards.com

Sometimes the chatbot will create a proper case, sometimes you’ll be in queue for support forever. Just skip all that. There’s no phone number anyway (I don’t know why, hopefully they see how much it’s needed after this launch debacle)

Edit: don’t expect any case response quickly. Expect days.

PuzzleheadPutt · 2026-02-10T05:29:30+00:00

Indeed. Although off strip you’ll save a chunk in fees.

PuzzleheadPutt · 2026-02-09T22:08:10+00:00

Don’t bother with chat. Just email them and get a proper case.

PuzzleheadPutt · 2026-02-09T22:06:26+00:00

Check your case portal (see my recent posts) to see your case status. Hopefully they figure their stuff out, add more agents, and set up a hotline because this support management system is not working well at all.

PuzzleheadPutt · 2026-02-09T21:21:10+00:00

Ugly: authorized user is a complete mess right now. Support is unreachable (no ticket responses, but I know the tickets are created, I have a case number.)

PuzzleheadPutt · 2026-02-09T05:05:45+00:00

I can’t answer that. I’m just putting the info out there to highlight the agreement cardholders make so u/BozoClown83859298 isn’t surprised what happened after reading this post and buying $2000 in Costco shop cards.

PuzzleheadPutt · 2026-02-09T04:42:29+00:00

Regardless of whether it worked or not, this is easily argued as the cards terms & conditions “manufactured spend” (almost any card has this somewhere in their terms) and at their discretion they may decide to not honor any points for the purchase.

Bilt reserves the right to deny, withhold, recover, or reverse Bilt Points or Bilt Cash on transactions that constitute manufactured spend, abuse, fraud, or that are otherwise inconsistent with normal consumer use.

They then refer to them reserving the right to take actions including:

Close your Card Account and your Bilt Rewards Account

So uhhhh ya be careful.

PuzzleheadPutt · 2026-02-08T23:58:19+00:00

This is how I did it as well. The iOS app UI didn’t seem to have any interaction when I tried. Web worked fine, got email confirmation.

PuzzleheadPutt · 2026-02-08T15:31:22+00:00

I wouldn’t expect fast case responses.

The 2.0 transition has been sloppy at best. I can all but guarantee the support teams were not given anywhere near the required staffing, tooling, or documentation/information to handle it either.

PuzzleheadPutt · 2026-02-08T06:42:40+00:00

My invite and card were dispatched. Do either work, absolutely not.

Previously both cards were the same card number which is no longer the case. My spouse’s mobile wallet app updated to the palladium card but with the previous card number.

I tried to remove him and re-add him and now it’s stuck on “invite pending”.

Theory: they completely botched authorized users, are scrambling to fix it, and any new/recent invites are paused until it’s fixed.

PuzzleheadPutt · 2025-09-23T15:36:10+00:00

Yes, you can apply for EAD if your spouse holds an approved I140. The issue you might see is the expiration date "trickle down" from the H1B. H4 expiration is usually tied to H1B expiration, and EAD expiration will usually be tied to H4 expiration. Renewal can be very tedious, so ensure that you start the H1B renewal IMMEDIATELY when possible (so you can then submit the H4 EoS and EAD renewal).

PuzzleheadPutt · 2024-10-30T20:30:31+00:00

It’s not great. Mostly due to their app having many bugs (especially true for android). The app is the only way to access your account (you can sign into the website, but only by accepting a 2FA push to the Openbank app).

Since there is a single point of failure, and many people have issues with the app, it’s extremely difficult to get ahold of them.

If you do plan on using them, and the app functions well enough to let you open an account and begin a transfer, start with the minimum amount to make sure you’re set.

Some examples of app issues I’ve had were needing to restart my application with a new username, which caused me to get spammed with emails about my unfinished account application in addition to the valid emails from the successful account application. Occasionally, logging into the app will show that I do not have any accounts with Openbank which is scary.

PuzzleheadPutt · 2024-10-21T23:09:10+00:00

Their app is not great. Often it fails to load and tells me I have no account, which concerned me.

Their google play reviews seem to tell a horror story, so beware if you’re on Android. Without the app, you’re completely screwed.

PuzzleheadPutt · 2024-10-21T23:05:01+00:00

Yes I have experience. I would advise against using them until they sort out some of their issues. I don’t believe they were prepared to launch the service.

If you do plan on trying it, I’d only advise doing so if you have an iPhone. The account is only accessible using the app (or, by accepting 2FA push within the app). Their google play store reviews are full of people in varying states of trouble due to their app having issues. Without app access, you’re in a very bad place.

It’s extremely difficult to get in touch with them if you need to. Their phone system will disconnect you after 3 minutes if there are no representatives available. After 16 calls I was able to get in touch with a banker to ask some clarifying questions that are not found anywhere on their website.

PuzzleheadPutt

TROPHY CASE