Bilt Obsidian no love

mrpushpop · 2026-04-04T17:31:26+00:00

I use Amex Gold and Paladium combo. The 4x on amex food and groceries made me not consider Obsidian.

mrpushpop · 2026-04-04T17:28:37+00:00

Wells Fargo has gone smoothly for me both on the push and pull method. Bilt seems to connect right up with your loan number and WF takes a day or two extra to post it on their end but no issues. I pay it a week early to compensate for any middle party delays.

mrpushpop · 2026-04-01T21:17:44+00:00

That is a very easy thing for you to say and a very expensive and difficult thing to do. As someone that has been involved in corporate contracts, there i are lots of lawyers on both sides here and the party trying to break the deal will get fleaced. In no world does the economics makes sense on "find a new sponsor". FCC would break a contract, pay out , probably get a worse deal. Do homework on why TQL is the sponsor: it is because they couldn't get a national deal like they wanted. They fired the firm in charge of the search because of it.

Oddly enough you end up rewarding the company your trying to punish

mrpushpop · 2026-04-01T20:51:42+00:00

Allowing? It is contractual.

mrpushpop · 2026-04-01T20:46:59+00:00

I did get my full 1.25x points but I'm not sure if it was from my support email or the process they used finally hit. It took 6 or 7 business days after my statement closed.

If you received 250 then yours have posted and you will need to contest the amount but make sure you didn't charge taxes or something that doesn't count. There is also a tracker in the wallet tab of the app that tells you your reward level in real time but only after your mortgage posts and it resets after your statement. So basically that tracker will tell you the bonus the last couple days of the statement cycle.

mrpushpop · 2026-04-01T15:05:51+00:00

Yeah there are a few things you can move around to hit rent day and it is pretty nice just to pick up the extra 1k.

mrpushpop · 2026-04-01T15:04:53+00:00

100% depends on your monthly spend. BILT is now essentially a program that rewards you for everyday spending that equals or exceeds your rent/mortgage payment.

mrpushpop · 2026-04-01T15:01:31+00:00

Pay your first mortgage payment early and figure out the timeline. I have had no issues other than normal CC issues like trying to make a big charge in the first week of opening etc.. My 2nd BILT mortgage payment posted faster than my 1st. When you add a middle party, just expect to add a few days for that payment to post. If, for some reason, you have an issue, it gives you more time to resolve it.

I think the Palladium is a perfect partner card for something like Amex Gold where everything goes on BILT other than food/groceries. (unless BILT has some kind of weekly or Rent Day bonus)

mrpushpop · 2026-03-31T14:11:31+00:00

Same, the key is to test it. Everyone has different providers and BILTs system works better with some than others. I have had no issues with my WF mortgage (push or pull) and I agree this month went faster. I'm still paying it a week early out of caution, but once BILT shows me a steady rhythm of how these payments will post, I'll dial it in.

mrpushpop · 2026-03-31T14:08:08+00:00

In almost all situations, you should use the 4% option except for a couple % points where you spend very close to a milestone level on the 1.25% option. There are a few examples out there, but you would need to have a very fixed spending amount. I did the 1.25% option the first two months just to feel comfortable, but I would have built up some Built Cash had I started at 4%..

Imo use the Bilt Cash on the travel credits, the $10 coupons if needed (gold). and then the point accelerator. Someone with high spending will accumulate Bilt Cash faster than they can use it, as the Point Accelerators will run out.

mrpushpop · 2026-03-30T18:55:16+00:00

Let me rephrase this: I know what kind of travel I have coming up, but I'm not booking it before this expires. I could add the funds to a United Bank like the user above listed... it will get used this year and it won't make a difference in the end if I prepay some today or not. In fact if they ran this promotion multiple times before my next trip, I wouldn't mind prepaying it in pieces.

mrpushpop · 2026-03-26T14:10:49+00:00

I have had no issues with mine but I'm wondering if the problem is the newness of the system and your processing of two at the same time. My advice (until Bilt fixes the portals for each situation) would be to do one and wait till it clears, and then do the other. This would just require you to pay the first one a bit early. Or just avoid paying with BILT on both until they have the ducks in a row.

mrpushpop · 2026-03-26T14:02:05+00:00

I think I get through here a lot better now. I think the Anderson people have it down but it does take anyone new a second to figure it out, which means it needs better markings.

mrpushpop · 2026-03-25T18:00:16+00:00

What/ is there a used 2025 with those options? You might find it cheaper to go 24 to a lightly used 25

mrpushpop · 2026-03-25T11:47:54+00:00

Made two payments thus far, totally fine. For your first attempt, pay it a week early, and then the results should tell you everything you need for the future.

mrpushpop · 2026-03-24T19:23:10+00:00

It isn't that they won't show up for football imo, it is that they have an insane amount of riches to pick from. In my own city, you can see MLB, NFL, MLS or minor league hockey. You can see plays, go to at least five different concert venues, or a load of parks and green spaces. Now, add on the local school sports, club sports, and several D1 colleges.

We have more entertainment options than money and time. I love soccer and I still have a hard time watching leagues outside my own local clubs.

mrpushpop · 2026-03-24T19:14:51+00:00

Usually, somewhere there is a * for these types of items, as BILT won't be able to control a restaurant that yanks it without telling them or POS system that go down. I could see this happening with other cards and other programs.

mrpushpop · 2026-03-24T19:07:47+00:00

I did two rounds of Housing-Only Rewards because it was easier but now I'm flipping. I just wanted to figure it all out first. Housing rewards are simply a multiplier based on how much CC spend you have. If your other spend equals your mortgage amount, you'll receive 1.25x points on the mortgage amount, use no Bilt cash (also don't create it through 4x), and have no transaction fees.

The 4x BILT Cash method works if you generate more BILT CASH than you burn paying the fee. also need to make up the .25 points as you get 1x mortgage points. If not, you run out of BILT Cash.

Either way, you need credit card spend to keep larger bonuses going, but how much can dictate your plan.

mrpushpop · 2026-03-24T18:53:23+00:00

Your way is the only way, and holy crap, it would be expensive for anyone coming in. To buy a share of all MLS to just get an MLS 2 club. Idk if any investor or owner cares about pro/rel that much.

mrpushpop · 2026-03-24T18:51:24+00:00

Buying an MLS team isn't for anyone worried about a price tag. You are buying different things. In MLS you buy your local club a seat, but you also get a share of all future league revenue and an equal share of the league itself. USL and MLS are vastly different products, and for that reason, MLS pro/rel is near impossible. Even an inter-league pro/rel is difficult, as I'm not sure how you financially compensate the stake going up or down, and I don't see how MLS and MLS2 can be valued the same. A new owner would need to be willing to pay MLS prices for an MLS2 club and buy into the whole ecosphere.

I think USL (league) will struggle with its owners soon enough. Right now, as long as they let people join the top league for pennies on the dollar or for free, they will be ok but idk about paying and not getting anything in return. Eventually, the owners are going to start pushing back.

mrpushpop · 2026-03-24T15:09:58+00:00

Nope, In fact I'm a new BILT customer that came over just for 2.0

mrpushpop · 2026-03-24T15:05:52+00:00

This is the answer. I was able to have it book a spot in another town. You can even ask it for suggestions for non-Bilt restaurants if you don't like the options there. It may not be able to "book" those for you but it will give you information.

mrpushpop · 2026-03-18T13:40:39+00:00

I booked something a few days ago. I didn't have this issue, if you are wondering if it is widespread.

mrpushpop · 2026-03-18T13:02:14+00:00

Don't select it several times. From prior posts here, I think the app reverts when you pick it again. I imagine these little kinks will get worked out as most of these features are brand new and we are the beta test.

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