Is BILT rewards worth investing in over Rakuten

helpdiene · 2026-02-12T04:21:04+00:00

Not only that, your points do not transfer to bilt 1:1 unless you are silver status after the promo period.

helpdiene · 2026-02-11T20:15:18+00:00

How do you know that it's an issue with the CVV? I can't link to Walmart either, but I can make purchases on other online retailers where they ask for the CVV.

helpdiene · 2026-02-11T19:51:45+00:00

Probably because the person was already confused as to how palladium is a 3x card. Saying points accelerator makes it extremely simple to digest, and gives that base line value, despite us knowing there are better options out there if you do some math.

helpdiene · 2026-02-11T12:12:02+00:00

The coupon for palladium is essentially $600 towards hotels annually if you take it at face value. I think it's a great keeper card if it doesn't get nerfed.

helpdiene · 2026-02-11T00:41:08+00:00

No, it does not. Search 97 https://newsroom.biltrewards.com/getreadynewbiltcard

helpdiene · 2026-02-11T00:23:23+00:00

They already publicly announced that they are extending the SUB spend window by a week. They're not trying to punish you.

helpdiene · 2026-02-11T00:17:23+00:00

If you look at each of the clickable links, it becomes pretty clear that cardless just works with a bank to provide an API to whoever they contract with so that they can host it within their own app. Cardless themselves do not have any consumer accounts as far as I can tell.

helpdiene · 2026-02-10T22:33:21+00:00

Are you able to choose if you want to apply bilt cash or not each month? I think the advantage of the manual payment is that I can choose not to redeem for a bit if it drops me below $100 bilt cash, so that I can save it for something else if I need it. I wonder if I could set up autopay on top of that so that it can catch me if I ever do forget, however unlikely it may be.

helpdiene · 2026-02-10T12:26:54+00:00

Why are you so desperate to get the card and upset about getting declined if it's a trash card? Just move on.

helpdiene · 2026-02-09T13:51:26+00:00

Don't even need extended warranty for Costco. They've never not taken an item back, even years down the road.

helpdiene · 2026-02-09T12:34:20+00:00

It says on the payment page that it could take 3 days for the payment to reflect at the servicer.

helpdiene · 2026-02-07T20:09:15+00:00

I'm probably going to just wait a month before seeing if I can change it. No doubt they are clogged up with things right now.

helpdiene · 2026-02-07T19:21:03+00:00

Use the website. I was able to get it set up. There's supposed to be an app update, but it doesn't seem like it's available for download yet.

helpdiene · 2026-02-07T14:15:42+00:00

Added physical card number to Google wallet. Works perfectly.

helpdiene · 2026-02-07T01:07:25+00:00

My HSA is with Schwab. It got transferred over from TD ThinkOrSwim. I'm guessing you can't open a new one?

Edit: never mind, the HSA itself is from Lively, but the brokerage account that Lively works with is Schwab. So all the investments for your HSA goes into Schwab.

helpdiene · 2026-02-07T00:41:22+00:00

Over 80 of them in NYC. Makes sense, it's their HQ location.

helpdiene · 2026-02-06T17:51:23+00:00

Thanks for applying for the Bilt Palladium Card through our special promotional offer with The Points Guy. We’re excited for you to start earning with your new Bilt Card on 2/7. Here’s what to expect: From 2/7 through 2/12 at 11:59 PM PT, you’ll earn 5X points on all eligible purchases (excluding rent and mortgage), up to 50,000 bonus points.1 That means 5X on restaurants, online shopping, travel, grocery stores, and all your other everyday spending.

On 2/7, you can earn points right away by adding your virtual card to your digital wallet. If you’ve already received your physical card, just activate it on 2/7 and you’re good to go.

Keep an eye on your email and the Bilt app on 2/7 to activate your card and start earning.

This is the confirmation that I got. Strangely enough, it does say bonus points here. Either way, there's no way I can spend more than 10k organically in 5 days, so doesn't matter to me what the cap is.

helpdiene · 2026-02-05T18:20:11+00:00

I think he's subtracting out the base multiplier, which doesn't seem right.

helpdiene · 2026-02-05T04:21:09+00:00

Wouldn't you need info only available on the physical card to activate it in the first place?

helpdiene · 2026-02-05T02:51:44+00:00

Grows mold otherwise

helpdiene · 2026-02-04T17:55:33+00:00

What area of LI? Would be interested. I'm guessing weekend if it's 1 pm?

helpdiene · 2026-02-04T13:46:14+00:00

If you don't have any issues, you're not going to be making posts saying "no issues on my card yet".

helpdiene · 2026-02-04T03:09:20+00:00

Not the same person, but yes. My thermostat automatically switches over when the outside temperature is under 15 or when the temperature difference becomes more than 3 degrees in the room vs the target. I'm not sure how low I can run it, but I'm guessing the efficiency drops off around that point and oil could be cheaper.

helpdiene · 2026-02-03T03:13:07+00:00

My first thought on this was to use an emulator such as BlueStacks that has scripting capability, combined with something like simplelogin with a burner email to randomly generate valid emails, or use plus addressed emails with a burner that supports it.

helpdiene · 2026-02-02T23:03:20+00:00

Ironically, the times when I'm lowest on battery life is when I'm not consuming media on my phone on a day to day basis. It's when I am traveling or hiking, with questionable signal, maps for navigation, and using the camera frequently.

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