This card is too good. I added it when i saw your first video and the value i get from this card is impressive. Unlocking new multiplayers in different categories every 25k point milestone and gaining interest on existing points is blowing my mind.
And here's another reason to get the Bilt card: a host-read ad on the "Morning Announcements" podcast says we can now earn points when making mortgage payments. The host says she's doing it herself in fact. The ad has run on several episodes this week.
I'll wait for an official announcement from Bilt before confirming that. Just because you "can" do something doesn't mean the terms allow for it, so there could be a risk.
I am new to the Bilt card and have never had a points card before; with rent as high as it is it seemed silly not to try the card. Now I put everything on the card and have already accumulated 22,000 points in two months of use. It is a MUST to pay it off in full as I go since the interest rate is 29.99%.
I did learn yesterday that Verizon took away my discount with them for using this card on my autopay; I’ll have to see if it’s worth it for that one with the points I will get.
I am currently gardening now but once I am done I am thinking about getting this card. I am also hoping they will have added mortgage payments by then. If not and I get this card, couldn't I still use it to pay my mortgage with a 3rd party like Plastiq?
@@MarkReese I am going to try it once I am done gardening. Plastiq allows Discover and MasterCard for mortgage payments. I get there are fees but I still think the points will outweigh those fees in the long run
hard to fit it in with 5/24 and other sign up bonuses. The max amount you get back in a year from rent is less than normal sign up bonuses. And the 5 required purchases is annoying. But still a good card if dont care about all that.
For people who are 'bonus hunting,' the best card will always be the next card 😄 The Bilt Card is awesome for those of us who aren't actively applying for more cards & who aren't prioritizing Chase. Although I must say, the Bilt Card is kinda like the CSP with a $0 annual fee.
@@MarkReese the only reason I will be getting CSP is for elevated bonus offer hopefully in Q4. I want to complete that chase trifecta; it has been a dream of mine since starting my credit card journey.
@markreese Hey, Mark! Could you make an argument for the BILT card for people who don't pay rent? I already got the SUB for the CSP I might decide to cancel or downgrade after my 12 months is up.
The Bilt card is a unique card with some really great features and transfer partners. They did a great job in designing the Bilt program and it sounds like they’re not done. Can you earn rewards for paying monthly HOA fees?
pretty manipulative and customer service sucks. trying to create a portal that they cannot manage well, bugs in travel portal and 2x rewards suddenly turns out to be time time 'zone' dependent. so you will mgiht end up getting same day less points suddenly
Having to use the card x times per month and not having a cash redemption option are both deal killers for me. I’m sure that it appeals to some people, just not me.
Just include that in the total amount you authorize Bilt to pay. Bilt doesn't ask to see the bill. I live in a retirement community. My monthly statement lists the basic rent plus several hundred dollars in extra amenities, wellness clinic, dining room, and Internet/cable. I just authorized Bilt to pay the full amount, and they did. No questions. No problem.
Per Bilt, "You can only use our Pay Rent Online feature for rent and rent-related charges. These charges may include rent or additional charges from your landlord, like utilities or maintenance." Not sure if monthly association fees charged individually would work, maybe? If they're rent-related, I don't see a problem. I'll reach out & ask directly.
@@jaykid007 - While I cannot confirm the validity of the post on reddit, see the reply from 'FaresTabet' at this link: www.reddit.com/r/CreditCards/comments/wbmdrd/using_venmo_to_pay_rent_with_bilt/ It all sounds legit as the process is very similar to what I discussed in the video (i.e. adding a 'bank account' to Venmo / PayPal via the Bilt Account # and Routing #.)
@@MarkReese Thank you for the reply. Your channel is great. That is really bad news they decided to end the partnership. That was the only reason I wanted the card.
Alaska Airlines was added today as the new 1:1 transfer partner. Since Alaska is within the same alliance as American (oneworld), you can book AA flights with Alaska miles: www.alaskaair.com/content/mileage-plan/how-to-earn-miles/airline-partners/american-airlines
If I understand correctly, your online rent portal charges a fee for paying by checking account? If so, then I'm not sure, I've not seen that before. How do you pay rent without a fee then? I suggest asking Bilt directly
Check out this video here: th-cam.com/video/y6z9ucu8Cms/w-d-xo.htmlsi=7__2DjFHO6p25pW9 I broke it down into sections so you can find the redemption part you're interested in 👍 Check out 10 min 55 sec.
@Mark Reese you mentioned cash redemption for points to a value of $0.0125/point. Where did you get that number? I looked all over the Belt site several times, and unless I missed the very obvious (it is very possible), it is not there anywhere I could find it at least. Also, there was mention in the past of bringing in mortgages and HOA fees. Has this changed in the last few months or does it remain "as coming" still?? Thanks in advance
1. I said the redemption value is 1.25¢ per point for _travel via the portal,_ not for cash. I just know this because, as a user, I can see the options in my app and did the cent-per-point calculations. 2. To see other redemption options & their values, check out my in-depth review video here, starting at 4 min 35 sec: th-cam.com/video/y6z9ucu8Cms/w-d-xo.htmlsi=6VMjQXSv31_YWCKI&t=275 3. Mortgages are still not an option. Not sure about HOA fees, though I reached out to Bilt about those.
@@MarkReese entirely my fault then. For some reason I thought you said cash, which is something I personally had looked for more than once. I've had the card for a few months, and for what I use it in my personal arsenal/plan, I seriously wished there was an easy way to redeem for cash instead.
@@dgasmd1 - I wish there were a strong cash back option as well. Unfortunately, it's only an option via statement credit at a point value of 0.55¢ (a massive loss of potential value).
Should I consider this card even though I don't rent? I know many people who are homeowners who applied for Bilt Mastercard. Thanks for the video mate, I will inform my friends about this card because it's free money; they can't miss their rent payment!
For some people, yes, there's absolutely a case to be made for getting the Bilt Card even without paying rent. It's a solid card for dining & travel, gives a guaranteed 1.25¢ point value for travel redemptions via the portal, comes with great insurance protections, and has a $0 annual fee. Plus, it even has transfer partners that overlap with the likes of Amex, Chase, Capital One, and Citi, allowing you to indirectly combine points into those airline / hotel programs 💯 In many ways, it's a lot like a $0 AF version of the Chase Sapphire Preferred.
I almost got this but you can ONLY use the routing and checking account numbers to pay rent. I wish they would allow us to pay mortgage or other bills as well even if those methods don't accumulate points.
they dont hit your account until you hit 5 transactions per billing cycle, if you hit 5 you get all the points. If you dont hit 5, you dont get any of the points and it resets for the next billing cycle
1. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you use your Bilt account to pay rent through the Bilt App. 2. All other points earned apart from rent (e.g. dining, travel, etc.) will be forfeited.
Hey Mark. I pay my mom and my aunts rent every month. Can I get the 1 pt per dollar spent on paying their rent or is it only good for your own rent? I have a mortgage. Do u think they will start accepting it for mortgage payments in the near feature?
Hi Clinton - I'm not aware of an issue paying their rent if they give you their consent, but you could ask Bilt directly if you want to confirm. I don't have a way of knowing if / when mortgage payments will be accepted by Bilt. I'll also ask them directly.
Hi, Mark! How many credit cards would you recommend someone have when they are new to credit cards? I would like to apply for this card but I don't know if I really want another hard inquiry on my credit report right now.
Hey Christian - My general recommendation is 1 or 2 cards in Year 1. That's easy to manage with the possibility of earning some basic rewards while keeping focused on building smart financial habits & building your score. However, some people prefer to get more if their focus is on the rewards. There isn't a "right" answer for everyone, and there is not a set rule. After Year 1, you should be in good shape to get just about any card you like if you've built a score into the 700s.
@@MarkReese thank you for the reply, Mark! I got my first credit card almost a year ago and my credit score is actually at 724. So I'm probably in good shape to apply for this card.
@@christiankopet5891 - While I can't guarantee an outcome, I'd personally feel good about applying for the Bilt Mastercard with that history & score 👍 If you decide to go for it, good luck!
I'm not aware of a required timeframe for requesting a CLI with Wells Fargo (which issues the Bilt Mastercard). However, I'd personally wait 6 months after opening the card.
Mortgage payments are not allowed at this time. Even if it goes through initially, you'd be at risk of Bilt taking action later for abuse of their terms & conditions.
There's now an option to redeem points as a statement credit to go towards your bill, but it's a horrific value at 0.55¢ per point (e.g. 10,000 points = $55). Cash back as a deposit to an account is not an option.
No, mortgages are not eligible. What exactly happens if you try it? I can't say as I haven't tried it. Bilt's internal team validates charges and ensures compliance with Bilt's Terms & Conditions. Not following the rules could have consequences. To me, it's not worth risking an account closure, points forfeiture, etc.
If my landlord only takes cash, can I send the bilt check to myself(to earn the points) deposit it and withdraw to pay him cash? (Extra steps I know but at least now I get the points)
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💥👇 GET THE BILT MASTERCARD!
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This card is too good. I added it when i saw your first video and the value i get from this card is impressive. Unlocking new multiplayers in different categories every 25k point milestone and gaining interest on existing points is blowing my mind.
It's a fantastic card indeed! Great that you got it!
And here's another reason to get the Bilt card: a host-read ad on the "Morning Announcements" podcast says we can now earn points when making mortgage payments. The host says she's doing it herself in fact. The ad has run on several episodes this week.
I'll wait for an official announcement from Bilt before confirming that. Just because you "can" do something doesn't mean the terms allow for it, so there could be a risk.
This card changed the game. My go-to on the 1st, rent, and restaurants.
It sure did!
did you get fraud charges on ur card?
@@cupidok2768 negative. It was an issue for a lot of people but I haven’t had any issues.
Just got approved with a 14k CL last Friday! Just in time for my 1st rent day! Thanks Mark for all the great videos!
Right on, congrats! 💯
i love your videos, man. Theyre detailed with pictures and specific instructions. Love it 👍🏻
I appreciate hearing that! Glad they're helpful to ya 👊
Is the title ridiculous? YES.
Is the card ridiculous? YES.
Am I ridiculous? (Like if you think YES) 😄
Are you concerned doing business with Wells Fargo based on their infamous reputation?
@@Apply.Bank.Credit - The addition of mortgage payments would be incredible 🏆
@@gf1507 - No. A lot of major banks have been involved with data breaches, scandals, etc.
I am new to the Bilt card and have never had a points card before; with rent as high as it is it seemed silly not to try the card. Now I put everything on the card and have already accumulated 22,000 points in two months of use. It is a MUST to pay it off in full as I go since the interest rate is 29.99%.
Awesome, congrats on the approval! Yep, always smart to pay in full to avoid interest charges 👍
I did learn yesterday that Verizon took away my discount with them for using this card on my autopay; I’ll have to see if it’s worth it for that one with the points I will get.
That is awesome.
I only wish i had known about this card 3 years ago when we first started renting. I've had it for 3 months and love it.
Great that you got it this year!
I am currently gardening now but once I am done I am thinking about getting this card. I am also hoping they will have added mortgage payments by then. If not and I get this card, couldn't I still use it to pay my mortgage with a 3rd party like Plastiq?
Not sure if Plastiq is compatible. If so, then fees will be involved.
@@MarkReese I am going to try it once I am done gardening. Plastiq allows Discover and MasterCard for mortgage payments. I get there are fees but I still think the points will outweigh those fees in the long run
hard to fit it in with 5/24 and other sign up bonuses. The max amount you get back in a year from rent is less than normal sign up bonuses. And the 5 required purchases is annoying. But still a good card if dont care about all that.
You only need 4 transactions because rent day is already included . So, just put your coffee you buy every day on the card it’s not that difficult
For people who are 'bonus hunting,' the best card will always be the next card 😄 The Bilt Card is awesome for those of us who aren't actively applying for more cards & who aren't prioritizing Chase. Although I must say, the Bilt Card is kinda like the CSP with a $0 annual fee.
@@MarkReese the only reason I will be getting CSP is for elevated bonus offer hopefully in Q4. I want to complete that chase trifecta; it has been a dream of mine since starting my credit card journey.
@@callmeNeno - Nice, make the dream REAL!
@@MarkReese Amen 🙏 that brother. The way I started my credit journey I thought I will never be under 5/24~~ but you live and learn
I'm opening this either this month, or next month. Any difference that would make?
Nope. Good luck!
Reason #5 is a lie. You have to use the card as a credit card as you have to make 5 purchases a month to earn rent points.
Good point 👍
What about mortgage and other things
Currently mortgages are not accepted ✌
@markreese Hey, Mark! Could you make an argument for the BILT card for people who don't pay rent? I already got the SUB for the CSP I might decide to cancel or downgrade after my 12 months is up.
Yep, for some people, the Bilt Card can still make sense even without rent payments!
The Bilt card is a unique card with some really great features and transfer partners. They did a great job in designing the Bilt program and it sounds like they’re not done. Can you earn rewards for paying monthly HOA fees?
Right now you can, though you can't do more than one transaction that way per month, so you can't pay both rent and HOA
Not sure about HOA fees. I'll ask.
Just heard back: Yes, you can pay HOA fees with Bilt.
@@MarkReese Good deal. Thanks for checking on this Mark.
Maybe after they include mortgage payments.
I look forward to seeing that 🏡
Excellent Card. I've got one and works geat. Thank you for the video!
Awesome that you've got it too!
Makes sense for most people but still use my venture X to get 2x for rent
With a transaction fee?
pretty manipulative and customer service sucks. trying to create a portal that they cannot manage well, bugs in travel portal and 2x rewards suddenly turns out to be time time 'zone' dependent. so you will mgiht end up getting same day less points suddenly
Thanks for sharing your experience.
Having to use the card x times per month and not having a cash redemption option are both deal killers for me.
I’m sure that it appeals to some people, just not me.
👍
I own a co-op apartment please let us know if they ever allow payment of monthly association fees.
Just include that in the total amount you authorize Bilt to pay. Bilt doesn't ask to see the bill. I live in a retirement community. My monthly statement lists the basic rent plus several hundred dollars in extra amenities, wellness clinic, dining room, and Internet/cable. I just authorized Bilt to pay the full amount, and they did. No questions. No problem.
Per Bilt, "You can only use our Pay Rent Online feature for rent and rent-related charges. These charges may include rent or additional charges from your landlord, like utilities or maintenance."
Not sure if monthly association fees charged individually would work, maybe? If they're rent-related, I don't see a problem.
I'll reach out & ask directly.
Just heard back: Bilt DOES allow HOA fees 👍
If only this worked for a mortgage payment or any other expenses that charge a fee when paying with a credit card online (i.e. some medical providers)
Agreed! Let's hope they expand in the coming years!
Didn't hear about the PayPal or Venmo option
Good point, I missed that 👍
No worries. Appreciate the video. Thought that was a good option since my landlord likes Venmo type payments. Maybe the follow up video!
@@jaykid007 - While I cannot confirm the validity of the post on reddit, see the reply from 'FaresTabet' at this link: www.reddit.com/r/CreditCards/comments/wbmdrd/using_venmo_to_pay_rent_with_bilt/
It all sounds legit as the process is very similar to what I discussed in the video (i.e. adding a 'bank account' to Venmo / PayPal via the Bilt Account # and Routing #.)
So....did they part ways with American Airlines?
Yes, the partnership ends in June 2024.
@@MarkReese Thank you for the reply. Your channel is great. That is really bad news they decided to end the partnership. That was the only reason I wanted the card.
Alaska Airlines was added today as the new 1:1 transfer partner. Since Alaska is within the same alliance as American (oneworld), you can book AA flights with Alaska miles: www.alaskaair.com/content/mileage-plan/how-to-earn-miles/airline-partners/american-airlines
Does Bilt still reimburse or Waive with checking account fees? My portal has an E check transaction fee for checking accounts?
If I understand correctly, your online rent portal charges a fee for paying by checking account?
If so, then I'm not sure, I've not seen that before. How do you pay rent without a fee then?
I suggest asking Bilt directly
I WISH my rent was only $1,525 per month!
😁👍
Can you do a video on redeeming Bilt points and transfer partners points please and thank you
Check out this video here: th-cam.com/video/y6z9ucu8Cms/w-d-xo.htmlsi=7__2DjFHO6p25pW9
I broke it down into sections so you can find the redemption part you're interested in 👍
Check out 10 min 55 sec.
Can you pay for the student loan? Just wondering.
No, only rent payments.
@Mark Reese you mentioned cash redemption for points to a value of $0.0125/point. Where did you get that number? I looked all over the Belt site several times, and unless I missed the very obvious (it is very possible), it is not there anywhere I could find it at least. Also, there was mention in the past of bringing in mortgages and HOA fees. Has this changed in the last few months or does it remain "as coming" still?? Thanks in advance
1. I said the redemption value is 1.25¢ per point for _travel via the portal,_ not for cash. I just know this because, as a user, I can see the options in my app and did the cent-per-point calculations.
2. To see other redemption options & their values, check out my in-depth review video here, starting at 4 min 35 sec: th-cam.com/video/y6z9ucu8Cms/w-d-xo.htmlsi=6VMjQXSv31_YWCKI&t=275
3. Mortgages are still not an option. Not sure about HOA fees, though I reached out to Bilt about those.
@@MarkReese entirely my fault then. For some reason I thought you said cash, which is something I personally had looked for more than once. I've had the card for a few months, and for what I use it in my personal arsenal/plan, I seriously wished there was an easy way to redeem for cash instead.
@@dgasmd1 - I wish there were a strong cash back option as well. Unfortunately, it's only an option via statement credit at a point value of 0.55¢ (a massive loss of potential value).
Heard back about HOA fees: Yes, Bilt accepts those 👍
My rental portal lets us use credit cards, would it be worth it to get this as opposed to keeping on using my CSP for my rent?
Does your rent portal charge you a fee when paying via CSP?
Should I consider this card even though I don't rent? I know many people who are homeowners who applied for Bilt Mastercard. Thanks for the video mate, I will inform my friends about this card because it's free money; they can't miss their rent payment!
For some people, yes, there's absolutely a case to be made for getting the Bilt Card even without paying rent. It's a solid card for dining & travel, gives a guaranteed 1.25¢ point value for travel redemptions via the portal, comes with great insurance protections, and has a $0 annual fee. Plus, it even has transfer partners that overlap with the likes of Amex, Chase, Capital One, and Citi, allowing you to indirectly combine points into those airline / hotel programs 💯
In many ways, it's a lot like a $0 AF version of the Chase Sapphire Preferred.
I almost got this but you can ONLY use the routing and checking account numbers to pay rent. I wish they would allow us to pay mortgage or other bills as well even if those methods don't accumulate points.
You can probably just use PayPal bill pay for almost all your bills excluding mortgage, and yes it does earn points/cb to whatever card you add
Correct, mortgage payments are not allowed at this time.
Would love to see this work with a mortgage! Any alternatives out there?
Yup. Have a friend, relative, spouse, player #2, or set up a company to hold title to your property and you pay rent to them/it.
Not aware of any credit cards that allow mortgage payments at this time.
tried searching info on AU for Bilt... do you know if Wells Fargo charges a fee for AU?
I don't think so, but I haven't tried it. Call WF directly to confirm.
What happens if you don't make the 5 transactions. Do the other points disappear or carry over?
they dont hit your account until you hit 5 transactions per billing cycle, if you hit 5 you get all the points. If you dont hit 5, you dont get any of the points and it resets for the next billing cycle
1. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you use your Bilt account to pay rent through the Bilt App.
2. All other points earned apart from rent (e.g. dining, travel, etc.) will be forfeited.
Hey Mark. I pay my mom and my aunts rent every month. Can I get the 1 pt per dollar spent on paying their rent or is it only good for your own rent? I have a mortgage. Do u think they will start accepting it for mortgage payments in the near feature?
Hi Clinton - I'm not aware of an issue paying their rent if they give you their consent, but you could ask Bilt directly if you want to confirm.
I don't have a way of knowing if / when mortgage payments will be accepted by Bilt.
I'll also ask them directly.
Just heard back: Yes, you can pay someone else's rent via Bilt. However, you can only make 1 total rent payment each month.
Would love to have a product like this to pay my auto loan.
Agreed!
Hi, Mark! How many credit cards would you recommend someone have when they are new to credit cards? I would like to apply for this card but I don't know if I really want another hard inquiry on my credit report right now.
Hey Christian - My general recommendation is 1 or 2 cards in Year 1. That's easy to manage with the possibility of earning some basic rewards while keeping focused on building smart financial habits & building your score. However, some people prefer to get more if their focus is on the rewards.
There isn't a "right" answer for everyone, and there is not a set rule.
After Year 1, you should be in good shape to get just about any card you like if you've built a score into the 700s.
@@MarkReese thank you for the reply, Mark! I got my first credit card almost a year ago and my credit score is actually at 724. So I'm probably in good shape to apply for this card.
@@christiankopet5891 - While I can't guarantee an outcome, I'd personally feel good about applying for the Bilt Mastercard with that history & score 👍 If you decide to go for it, good luck!
@@MarkReese thank you, man!
Can u pay first and last months rent with card?
Only 1 rent payment per month is allowed.
This definitely was worth a Chase 5/24 slot when I applied 3 months ago.
Same here 👊💥 Chase doesn't have to control my credit card life!
@@MarkReese we see that 😂 ~~
Does anyone know when the recommended time frame to request a CLI w/BILT?
I'm not aware of a required timeframe for requesting a CLI with Wells Fargo (which issues the Bilt Mastercard). However, I'd personally wait 6 months after opening the card.
Since this uses a routing and checking account number, could you also use it for mortgage payments?
I wonder this same question
@@clintonhauck7893 I just don’t see why it wouldn’t work if it’s using a checking an routing number
Mortgage payments are not allowed at this time. Even if it goes through initially, you'd be at risk of Bilt taking action later for abuse of their terms & conditions.
No cash back back to account I see...
its there for paying rent with points.
@@tendercrispbacon No I mean cash going back to my account. Not statement credit.
Nope just statement credits and for rent.
There's now an option to redeem points as a statement credit to go towards your bill, but it's a horrific value at 0.55¢ per point (e.g. 10,000 points = $55).
Cash back as a deposit to an account is not an option.
@@MarkReese Yeah that sucks. I guess it would be a glorified Amazon account.
I use it for myHOA. Plus pay 4 othr things to get double points on the 1st.
Great to know!
This is basically a CSP with no annual fee!
Totally agreed on that! 💯
If it wasn’t for me being in 5/24 jail and wanting to get more Chase cards, I would’ve had this card a long time ago!
I was at 3/24 when I an applied for this card. I think it was worth the slot. No brainer
Totally understand that 😁
can you pay mortgage with it? It has the routing and account number and lets you connect your checking account with it...
So what happens when you enter the routing and checking account information into a mortgage portal? Does it reject the payment?
No, mortgages are not eligible.
What exactly happens if you try it? I can't say as I haven't tried it.
Bilt's internal team validates charges and ensures compliance with Bilt's Terms & Conditions.
Not following the rules could have consequences. To me, it's not worth risking an account closure, points forfeiture, etc.
@@MarkReese understood… thanks Mark
Cool options
💯👍
Hello Sir,
Are you looking for a professional TH-cam thumbnail designer?
Not at this time, thanks.
If my landlord only takes cash, can I send the bilt check to myself(to earn the points) deposit it and withdraw to pay him cash? (Extra steps I know but at least now I get the points)
As far as I know bilt them selfs send the check to your landlord ans you pay it off with them and get points
I'm not sure why you'd want to do that? Bilt sends the check to your landlord for you & you still earn points.
I sent this to friends and relatives who pay rent/mortgage.
Awesome thanks for sharing it with them! 🌟
I wonder why no other credit card company is not trying to tap into that market BILT is a card worth losing a 5/24 spot for every day of the week
Perhaps they are but we just don't know it yet 😁 It'd be cool to see the launch of a competitive card at some point.
Pass,…I don’t pay rent or Mortgage.
💯💯
"It's finally here! THE BILT MASTERCARD!!!"
**jumps up and down** "DIMENSION 7 YO! Rrrrrrreeeeeeeeee!"
😂👊
You literally convinced my wife to get the card 😂
Hope she enjoys it! 😄👊 Go plan a trip with her with the points.