I love the Bilt card and am often surprised how few CC TH-camrs mention using it as their main dining card even when running a UR/Hyatt points-oriented system! Easy way to hit 5 transactions per month to lock in the points on rent, and sometimes I get surprise bonus points when I unintentionally eat out at Bilt dining partners
I love the Bilt on the first for the 6X dining points, but I mainly carry around the Chase Freedom Unlimited as my catch all card, which also gets 3X on dining. So unless I’m dining on the 1st, the Bilt isn’t in my wallet.
@@mikeortiz410 BILT has another strong transfer partner that Chase doesn't have, which is Alaska airlines so I have been using BILT as the main dining card. It allows me to transfer to Alaska or Hyatt.
Exactly! When so many cards earn 3x on dining, I'm going to earn it on the card with the most valuable points. Bilt has all of Chase's best transfer partners (Hyatt, Aeroplan, United) plus Alaska. The 3x is simply a baseline, you can earn more when stacked with neighborhood dining or 6x on rent day. Personally, I think Bilt works better for dining than even 4x on the Amex Gold.
You should partner with BILT for the home buying process. May be slightly biased but would be beneficial to walk new home buyers through the benefits of BILT in that process and the rewards that would come from using them.
If I rented, this card would 100% be in my wallet. Whenever I'm not working towards a SUB, I'd hate to have all that spend not earning anything. Ontop of that, having OP transfer partners this card is a 10/10 only fault is no SUB. But obv it makes up for it. Great review Daniel!
Love the videos! Just a note, SAS is on Skyteam now, they left Star Alliance a couple of years ago. The transfer partner guide still shows Star Alliance
The card is good but it honestly used to be better. Getting rid of American Airlines as a transfer partner was a huge disappointment. Another suggestion for using the card 5 times is putting 5 dollars onto your Amazon account gift card every week. So pay your rent and then pay 20 dollars over the month to meet the 5 transaction criteria.
Thanks for sharing Dan. We just bought a home, but of course not through their partner. I do wonder if Bilt would expand the mortgage benefit in the future.
Are you going to create a video on the possible categories the BILT 2.0 card will have based on the survey they released? It appears mortgage was a category across the board.
Yeah kind of crazy timing that the surgery went out like 2 days after I uploaded this video haha At this point I’ll probably wait to make an update video until features are confirmed for Bilt card 2.0 if there are changes coming. Don’t want to speculate too much. They also said in that survey that none of those changes are even close to final, but rather just to see where their customer feedback is - which I appreciate them doing!
Hey, unrelated question. Do you have any advice on living in several different CC point ecosystems? I have the Chase trifecta but use the Citi custom cash for groceries. My Citi points earn is pretty low, what do you think is my best use for those few Citi points? Is it worth it to earn different CC points?
I am thinking this in my head now, we can buy gift cards from the restaurants we frequent go to on the first of the month for 6x, then can use the gift cards to eat any day of the month. Will this work in reality?
Hey Daniel, quick question. My gf and I rent a duplex in Miami for 3k a month. The owners don’t mind if we pay through Zelle. How would I be able to get the benefit with this card?
That really doesn’t make sense from a business stand point as a business if you have an existing BILT you can pay rent with adding mortgage to it makes it a game changer but creating a second card just for mortgage defeats everything. One card for rent and other features and another just for mortgage lol
LOL, you must be new to credit card game. Every single bank, program, or brand has multiple cards. Two banks and 7 card for Marriott. Until recently AA had two banks and 9 cards. Delta has 7 version of cards. You get the picture. It is the nature of the credit card game to split cards up for different tiers or benifits. Bilt may release a mortgage card with an annual fee. Do not assume that Bilt for Morgage will just be pasted onto the current Bilt card.
I read that. But TOS says they can pull your point for it at any time. I have WF mortgage, would be easy for them to tell I was paying mortgage. I am hoping when the official payment system comes out, they don't only let you pay principle and interest. My mortgage payment has escrowed taxes and flood insurance.
I wanted to get this card but my apartments payment portal charges us to use credit cards. I dont understand HOW to use this card to get the points w/out being charged the portal fee. Can you please explain?
Bilt gives you a bank routing and account number to use just for paying rent, so the payment gets processed like a regular savings/checking account payment would. They also have a network of properties in their system that they waive the CC transaction fee on, but if your rent isn’t through that network you can use the routing numbers or have them mail a check.
^^^ Thanks for the great comment Matt! Yeah that pretty much explains it Sara. My rent portal has me enter in the routing and account number that Bilt gives me which works like linking a bank account
😂😂😂 To be honest I was expecting more people to call that out, but you’re the first! May the best team win (but Go Birds 🦅) But seriously though, thanks for reading the newsletter! Cheers from Philly
I currently have a bank of America travel card(my first credit card) a chase freedom and chase sapphire and an amazon card. I am a renter and I’m trying to decide whether I should get the bilt mastercard or dive into the capital one duo of either the savor or venturex cards. Any suggestions on what my next move should be?
For those of you paying rent, does the transaction cost for credit card payment show up as a separate charge on the statement and then show as a credit on the statement?
No it does not for me - I pay through my property management company's portal. Bilt essentially gives you a routing number and account number that allows you to set up payments like how I would set up a bank account for payments. So no transaction fee shows up for me in the process. Hope that helps!
As he said ^ the Bilt card basically acts like a checking account for rent so no credit card fees. Also there’s a setting to have it automatically charge your checking account so that the rent never hits your credit limit on the Bilt card and it basically is the same as if you paid by check except you get points
You definitely could, but personally I'm not a fan of taking such an active approach every single month to do that. Some people are though, so if you can make that your system then that should work just fine 👍
I been tempted for a while, but i got a .50 discount for doing a direct payment from my account for my mortgage. So not really an option for me, and i'm not sure with the low rate i'm paying, that a 1% cashback would move the needle for me. I know the points can be worth more then 1% if i use them on specific items like travel and such, but for the amount of money, it just doesn't move the need for me.
100% it’s possible, but can be very hard finding an agent that will reimburse with cash unless you have a close friend or family etc as you said you have, so that’s good! I had assumed BILT took a part of the commission and paid out to you in pts, but does seem to come from that marketing spend. Interesting. Makes me want to switch my brokerage over to EXP so I can start helping folks get a house and pts 😂😂😂 Good stuff as usual Daniel! Get yourselves a very nice house!
Anybody have issues with this card cancelling autopay for the rent payment? Ive had to redo it because of some sort of "security" check. I also am having to verify each rent transaction. Are you guys having to do that now?
I would love to sign up for the Bilt card, but they’re going to have to divorce Wells Fargo first. I absolutely will not do business with that bank, no matter the cost.
@@drewconway7135 not sure what you mean about her thumbs up. A quick internet search will reveal Chase is fined more and a defendant in more litigation than any bank in America. Wells Fargo is not in the top 10. I'm not suggesting Wells Fargo is a great bank. Not sure why you are so negative about Wells Fargo. Are you shorting Wells Fargo stock?
@@drewconway7135 not sure what you mean about thumbs up. Chase is the most fined bank and a defendant in the most litigation. Wells Fargo isn't in the top 10.
Yeah poor timing haha but nothing I could do because I uploaded 2 days before that survey went out! One thing to note though is that the survey did say that none of that was final in any way and it was really just to see what their cardholders preferred - that way they can develop any future updates based on that feedback. Honestly I view that as a positive thing because other issuers just announce changes without any notice or input from cardholders 😂
@ @ totally! There was nothing you could do about that 🥲 My take on the new cards - the $95 card is a carbon copy of the existing card. The zero dollar annual fee card is their version of the Chase freedom unlimited. The $550 annual fee card is their version of the Chase Sapphire Reserve. My initial major critique is the $550 annual fee card only includes 2x on dining. If that sticks, that’s crazy to me.
Saying it’s “better than ever” is a big a** stretch. Don’t get me wrong, I still use it as a renter but it is faaaaaaaaaaaaaarrrrrrrrrr from as good as it used to be. I used to put about 100K a year on it, now I use it for rent and a handful of Amazon charges a month and that is it.
I mean personally I think that earning points on buying a home and earning points on mortgages will be a huge benefit - and Bilt keeps adding more and more features every year. Some features like Rent Day have been slightly devalued, but overall the value of this card has only gotten better over time with these new features. The Bilt Mastercard in 2025 is better than it was in 2023 - and I wish that other cards would become as active as Bilt has been
@ Possibly, it’s not part of the program as of yet. The lead said “why it IS better than ever in 2025”. We shall see…. Personally, I was spoiled by the former incredible earning potential and insane (nearly monthly) 150% transfer bonuses. There’s no way that as it currently stands it IS better right now than in 2023 and the first of 2024, you cannot truthfully say differently, come on.
@ Yeah we will see, but I do think it's better now than ever before. American Airlines going away as a transfer partner is another negative - but gaining Alaska made up for that. Since 2023, Bilt has gained more transfer partners, added Lyft earning benefits, Bilt Neighborhood Dining, ability to earn points when buying a house, and coming soon the ability to earn points on mortgage (confirmed by multiple people from Bilt lately). Sure, some of the transfer bonuses in the past have been great - but amazing transfer bonuses still happen (like the Avianca one on Feb 1 this month). Again, not saying that this card is perfect and we still have to see what points or mortgages looks like - but just figured I'd explain my thought process around saying why I personally think it's better than ever in 2025 because objectively I think that's true and most people would agree. But understand if you disagree 👍
@ Heard, and like I said, I still hold and use my BILT card and am grateful for it. I was just hoping to learn of a new perk or something when In opened the link. Not to worry, I appreciate the time, info and work you put into the videos. Big thanks.
@ All good and I appreciate the conversation! Totally get that and I'll keep the channel updated with any news on more updates. Thanks for watching my videos!
Good luck with purchasing a house. The cost of houses are inflated and interest rates are very high and not improving. If you find any interesting tips around getting a place in this market I’m sure of bunch of us would love to hear them
I love the Bilt card and am often surprised how few CC TH-camrs mention using it as their main dining card even when running a UR/Hyatt points-oriented system! Easy way to hit 5 transactions per month to lock in the points on rent, and sometimes I get surprise bonus points when I unintentionally eat out at Bilt dining partners
I love the Bilt on the first for the 6X dining points, but I mainly carry around the Chase Freedom Unlimited as my catch all card, which also gets 3X on dining. So unless I’m dining on the 1st, the Bilt isn’t in my wallet.
@@mikeortiz410 BILT has another strong transfer partner that Chase doesn't have, which is Alaska airlines so I have been using BILT as the main dining card. It allows me to transfer to Alaska or Hyatt.
Exactly! When so many cards earn 3x on dining, I'm going to earn it on the card with the most valuable points. Bilt has all of Chase's best transfer partners (Hyatt, Aeroplan, United) plus Alaska. The 3x is simply a baseline, you can earn more when stacked with neighborhood dining or 6x on rent day. Personally, I think Bilt works better for dining than even 4x on the Amex Gold.
I would love this card if they start allowing to pay your mortgage with it. That would be fabulous
Good luck on your house hunt!!!
they do, use ACH
@@jordaanatsangbe6060 how's that?
Keep us updated on the home buying process
I really appreciate all the work you put into your videos. I usually watch each one a few times because I keep finding things that I missed before.
You should partner with BILT for the home buying process. May be slightly biased but would be beneficial to walk new home buyers through the benefits of BILT in that process and the rewards that would come from using them.
If I rented, this card would 100% be in my wallet. Whenever I'm not working towards a SUB, I'd hate to have all that spend not earning anything. Ontop of that, having OP transfer partners this card is a 10/10 only fault is no SUB. But obv it makes up for it. Great review Daniel!
I’ve never seen a positive rework of an already acclaimed card. No chance this will provide better value to current cardholders.
Love the videos! Just a note, SAS is on Skyteam now, they left Star Alliance a couple of years ago. The transfer partner guide still shows Star Alliance
Good call out! Just fixed it so the SkyTeam change is now live in the transfer guide - thanks 👍
I pay all my bills on the first of the month, phone bill, membership, + groceries if I can stretch till the first lol.
Also in Philly! Would love to see some videos on how you make your house-buying strategy and decisions!
can you make a video on how to use bilt points for a down payment on a home?
Talked about it in this video actually!
How To Redeem Bilt Points For Max Value (Easy)
th-cam.com/video/pD6fG4skbZ4/w-d-xo.html
The card is good but it honestly used to be better. Getting rid of American Airlines as a transfer partner was a huge disappointment. Another suggestion for using the card 5 times is putting 5 dollars onto your Amazon account gift card every week. So pay your rent and then pay 20 dollars over the month to meet the 5 transaction criteria.
Exactly. American Airlines was the reason I bought the car in the first place
@@anthonywilliams9415Can you transfer to hyatt then transfer to AA?
Great video. And I agree! I love the Bilt credit card!
I have this but mainly use it for rent as I also have the Amex gold and platinum, any suggestions on better utilizing this card?
Thanks for sharing Dan. We just bought a home, but of course not through their partner. I do wonder if Bilt would expand the mortgage benefit in the future.
How long have they been saying that mortgages are coming to their program? I'm not betting it will happen in 2025.
Paying rent through BILT protect does NOT count as 1 one of the 5 transactions. At least it never has for me and I'm an OG BILT user.
Are you going to create a video on the possible categories the BILT 2.0 card will have based on the survey they released? It appears mortgage was a category across the board.
Yeah kind of crazy timing that the surgery went out like 2 days after I uploaded this video haha
At this point I’ll probably wait to make an update video until features are confirmed for Bilt card 2.0 if there are changes coming. Don’t want to speculate too much.
They also said in that survey that none of those changes are even close to final, but rather just to see where their customer feedback is - which I appreciate them doing!
Did you know you get the 5X points for 5 days again upon approval of a CLI? I didn't. Got the email this morning.
Hey, unrelated question. Do you have any advice on living in several different CC point ecosystems? I have the Chase trifecta but use the Citi custom cash for groceries. My Citi points earn is pretty low, what do you think is my best use for those few Citi points? Is it worth it to earn different CC points?
I am thinking this in my head now, we can buy gift cards from the restaurants we frequent go to on the first of the month for 6x, then can use the gift cards to eat any day of the month. Will this work in reality?
Hey Daniel, quick question. My gf and I rent a duplex in Miami for 3k a month. The owners don’t mind if we pay through Zelle. How would I be able to get the benefit with this card?
Great video 🎉
If they restrict mortgage lenders you can choose from I’m closing my card
You are ASSUMING this card will be rent and mortgage card. Bilt could release a second separate mortgage card. That is why I have not applied already.
That really doesn’t make sense from a business stand point as a business if you have an existing BILT you can pay rent with adding mortgage to it makes it a game changer but creating a second card just for mortgage defeats everything. One card for rent and other features and another just for mortgage lol
LOL, you must be new to credit card game. Every single bank, program, or brand has multiple cards. Two banks and 7 card for Marriott. Until recently AA had two banks and 9 cards. Delta has 7 version of cards. You get the picture. It is the nature of the credit card game to split cards up for different tiers or benifits. Bilt may release a mortgage card with an annual fee. Do not assume that Bilt for Morgage will just be pasted onto the current Bilt card.
you can use it for mortgage, use the ach numbers
I read that. But TOS says they can pull your point for it at any time. I have WF mortgage, would be easy for them to tell I was paying mortgage. I am hoping when the official payment system comes out, they don't only let you pay principle and interest. My mortgage payment has escrowed taxes and flood insurance.
@@RITPA I’m not new to the game lol lol I’m part of Wells Fargo 25 plus years but you know it all lol lol
so is the MONTHLY cap 1000 points in general? or just the most you can get from rent is 1000 a month?
You can get up to 100,000 points per year on rent.
Can't wait for "Bilt Mastercard - why it's better in March 2025 Than Ever Before"
What do you mean?
@@Daniel_Braunit means you said a lot without saying much 😅.
I wanted to get this card but my apartments payment portal charges us to use credit cards. I dont understand HOW to use this card to get the points w/out being charged the portal fee. Can you please explain?
Bilt gives you a bank routing and account number to use just for paying rent, so the payment gets processed like a regular savings/checking account payment would. They also have a network of properties in their system that they waive the CC transaction fee on, but if your rent isn’t through that network you can use the routing numbers or have them mail a check.
^^^ Thanks for the great comment Matt!
Yeah that pretty much explains it Sara. My rent portal has me enter in the routing and account number that Bilt gives me which works like linking a bank account
Is this card still nice if your rent payment isn’t due on the first? As in, could you still take advantage of its bonuses?
Doesn't matter when your rent is do. You get all the benefits either way
Love the videos Daniel, but I'm afraid your newsletter has some misleading Superbowl information. Cheers from KC!
😂😂😂 To be honest I was expecting more people to call that out, but you’re the first!
May the best team win (but Go Birds 🦅)
But seriously though, thanks for reading the newsletter! Cheers from Philly
Congrats on your step to home ownership!
I currently have a bank of America travel card(my first credit card) a chase freedom and chase sapphire and an amazon card. I am a renter and I’m trying to decide whether I should get the bilt mastercard or dive into the capital one duo of either the savor or venturex cards. Any suggestions on what my next move should be?
For those of you paying rent, does the transaction cost for credit card payment show up as a separate charge on the statement and then show as a credit on the statement?
No it does not for me - I pay through my property management company's portal. Bilt essentially gives you a routing number and account number that allows you to set up payments like how I would set up a bank account for payments. So no transaction fee shows up for me in the process.
Hope that helps!
As he said ^ the Bilt card basically acts like a checking account for rent so no credit card fees. Also there’s a setting to have it automatically charge your checking account so that the rent never hits your credit limit on the Bilt card and it basically is the same as if you paid by check except you get points
Ever since i got my venture x i only use this card for rent and 3x restaurants.
I can't even imagine paying $3300 a month in rent! wow! Hope that is renting a nice big house
What if you when to a restaurant partnered with Bilt dining on rent day? Would it be the 6X pulse the 2X or 3X? Possibly making it 9X?
Yes it’s 9x, broken up into 6+3. Just got it accidentally this month 😛
@caldersheagren Oh hell yeah!
Buyers don't generally pay the real estate agents' fees, the selling party does...
Partially incorrect, check out the NARS law sue last year.
@@moonlighth8643 he is completely right, i just purchased a home last month and the seller paid 100% of agent fees
Got a quick question - does the bilt give me points for paying HOA fees? Don’t have a rent payment but I do have an HOA payment
Yes, it covers HOA.
Yes,I use it for HOA fees. Also works on utilities as well. I pay my gas and water bill this way
For the 5 transactions, do you think you can just split up a grocery store run at the self checkout once a month?
For sure!
You definitely could, but personally I'm not a fan of taking such an active approach every single month to do that. Some people are though, so if you can make that your system then that should work just fine 👍
Yes you can. Do it all the time to get the 5 transactions out of the way. Done it for years to get around their rules.
At least as of now, there’s no minimum. I bought a single bottle of water and it counted
What is your most frequent pt redemption on this card? Hyatt?
Can i use the BILT mastercard for my HOA fees?
Yes, but it will take at least 3 days to complete the transation
can you product change from an active cash?
New WF card duo coming in Bilt + Autograph potential 9x points on dining
I been tempted for a while, but i got a .50 discount for doing a direct payment from my account for my mortgage. So not really an option for me, and i'm not sure with the low rate i'm paying, that a 1% cashback would move the needle for me. I know the points can be worth more then 1% if i use them on specific items like travel and such, but for the amount of money, it just doesn't move the need for me.
100% it’s possible, but can be very hard finding an agent that will reimburse with cash unless you have a close friend or family etc as you said you have, so that’s good!
I had assumed BILT took a part of the commission and paid out to you in pts, but does seem to come from that marketing spend. Interesting.
Makes me want to switch my brokerage over to EXP so I can start helping folks get a house and pts 😂😂😂
Good stuff as usual Daniel! Get yourselves a very nice house!
Anybody have issues with this card cancelling autopay for the rent payment? Ive had to redo it because of some sort of "security" check. I also am having to verify each rent transaction. Are you guys having to do that now?
Get back to me when they support mortgages…
Bro you are so smart, great video! I appreciate you putting time into this and giving us all the information we need!
.75 speed 👍🏾
I would love to sign up for the Bilt card, but they’re going to have to divorce Wells Fargo first. I absolutely will not do business with that bank, no matter the cost.
Wells Fargo is far better than Chase who is the most fined bank in America and a defendant in the most litigation. Wells Fargo isn't in the top 10.
@@J0HN_3_16Not in my experience, but I see you’ve given your own comment a thumbs-up, so you must know best. 😉
@@drewconway7135 not sure what you mean about her thumbs up. A quick internet search will reveal Chase is fined more and a defendant in more litigation than any bank in America. Wells Fargo is not in the top 10. I'm not suggesting Wells Fargo is a great bank. Not sure why you are so negative about Wells Fargo. Are you shorting Wells Fargo stock?
@@drewconway7135 not sure what you mean about thumbs up. Chase is the most fined bank and a defendant in the most litigation. Wells Fargo isn't in the top 10.
I just hope the whole bilt house buying process is easy. Buying a house is already stressful enough.
The timing of this video was so bad 🤣 check the email survey they sent! They hinted at when the 2.0 cards will look like
Yeah poor timing haha but nothing I could do because I uploaded 2 days before that survey went out!
One thing to note though is that the survey did say that none of that was final in any way and it was really just to see what their cardholders preferred - that way they can develop any future updates based on that feedback.
Honestly I view that as a positive thing because other issuers just announce changes without any notice or input from cardholders 😂
@ @ totally! There was nothing you could do about that 🥲
My take on the new cards - the $95 card is a carbon copy of the existing card. The zero dollar annual fee card is their version of the Chase freedom unlimited. The $550 annual fee card is their version of the Chase Sapphire Reserve.
My initial major critique is the $550 annual fee card only includes 2x on dining. If that sticks, that’s crazy to me.
Saying it’s “better than ever” is a big a** stretch. Don’t get me wrong, I still use it as a renter but it is faaaaaaaaaaaaaarrrrrrrrrr from as good as it used to be. I used to put about 100K a year on it, now I use it for rent and a handful of Amazon charges a month and that is it.
I mean personally I think that earning points on buying a home and earning points on mortgages will be a huge benefit - and Bilt keeps adding more and more features every year.
Some features like Rent Day have been slightly devalued, but overall the value of this card has only gotten better over time with these new features. The Bilt Mastercard in 2025 is better than it was in 2023 - and I wish that other cards would become as active as Bilt has been
@ Possibly, it’s not part of the program as of yet. The lead said “why it IS better than ever in 2025”. We shall see…. Personally, I was spoiled by the former incredible earning potential and insane (nearly monthly) 150% transfer bonuses. There’s no way that as it currently stands it IS better right now than in 2023 and the first of 2024, you cannot truthfully say differently, come on.
@ Yeah we will see, but I do think it's better now than ever before. American Airlines going away as a transfer partner is another negative - but gaining Alaska made up for that.
Since 2023, Bilt has gained more transfer partners, added Lyft earning benefits, Bilt Neighborhood Dining, ability to earn points when buying a house, and coming soon the ability to earn points on mortgage (confirmed by multiple people from Bilt lately).
Sure, some of the transfer bonuses in the past have been great - but amazing transfer bonuses still happen (like the Avianca one on Feb 1 this month).
Again, not saying that this card is perfect and we still have to see what points or mortgages looks like - but just figured I'd explain my thought process around saying why I personally think it's better than ever in 2025 because objectively I think that's true and most people would agree. But understand if you disagree 👍
@ Heard, and like I said, I still hold and use my BILT card and am grateful for it. I was just hoping to learn of a new perk or something when In opened the link. Not to worry, I appreciate the time, info and work you put into the videos. Big thanks.
@ All good and I appreciate the conversation! Totally get that and I'll keep the channel updated with any news on more updates. Thanks for watching my videos!
Good luck with purchasing a house. The cost of houses are inflated and interest rates are very high and not improving. If you find any interesting tips around getting a place in this market I’m sure of bunch of us would love to hear them
Watching even though i wouldn't get thr Bilt card...
Thanks for watching anyway! Appreciate the support!
@@Daniel_Braun very welcome bro... Your informative video helped me to choose the venture x and Chase Sapphire reserve over the Amex Gold & Platinum.
👍🏻
Thanks again for the early view and comment 🫡
damn, 0 views... bro fell off
😂 haha damn 0 views in the first 5 seconds. Definitely fell off
@@Daniel_Braun you had a good run man and I learned a lot from you… guess it’s time for you to find a new career 😂
@Daniel_Braun Can we earn points on car payments ??