Bilt Rewards

BILT has totally changed the game for renters! As soon as I heard about getting points for paying rent that can be used towards travel, i had to jump in. It was a no brainer! The app makes it very easy to sign up for the BILT rewards credit card. Once you receive your card, the process/instructions to setup the rent payment is very easy and all the info is right in the app. Points are updated as transactions are posted which is great compared to other companies where you don’t see your points for months! The app has cool blog posts on travel ideas and BILT as a company just makes it a fun experience being using the card. Few feedback points for the app. I wish it would sync more with the Wells Fargo features directly in the BILT app. To see statements, set up payment for the card, view billing cycles, instant transaction notifications, card settings, etc. all need to be done via the Wells Fargo account. I know WF is their payment processor but some better integration with the BILT app for these features would be nice. Setting up the Wells Fargo end of the card required some work and isn’t as straightforward but hoping this improves over time. Overall love the BILT card, love their support, and love the insta challenges they have to keep it fun and interesting. Getting points for rent is great! Thanks BILT!

To comment mostly on the app here (because the credit card and service it provides is great through and through), it’s a wonderful experience from the minute you open it, which will be often, because it’s more than just an accounting of your transactions. The articles about travel destinations and how to get value are fun for the point newbie to read and the gallery of gifts you can purchase with your reward points are truly unique. What I like most is that the app just works and has a simple layout. It’s easy to track my rent check payment status from check printing, to mailing, to depositing by my landlord. There’s options to auto-pay and automate from your bank account so there’s really no heavy lifting on the users end, just set it up once, use the card a few times a month, and earn some automatic points for making the purchase you already make every month anyway! Thanks BILT!

Don’t get me wrong, I really enjoy this app. However, I am a legally blind user that navigates my phone with the VoiceOver screen reader, and I cannot easily use the app independently because a lot of the screens either don’t have correct labels on the buttons or the page doesn’t read at all. For instance, the screen reader wouldn’t read the login screen, so I had to turn on screen recognition in order for the phone to guess what’s on the screen. As soon as I click the login button, I am able to turn off screen recognition to login. Another example occurs when I’m trying to click the confirm button on the page where you remove the house address to add a new one. In this instance, I had to ask one of my sighted friends to click the button for me. This shouldn’t be this hard to use the app. I would strongly advise the app developers to consult with people, who use a screen reader daily, to improve this app. A lot of blind and low vision individuals pay rent every month, and they will not be able to use this app if they are not technologically savvy. I hope to be able to recommend this app to blind and low vision users in the future, but as of right now, I cannot recommend this app to any of my friends because it’s way too difficult to navigate the app using a screen reader.

My apartment complex promoted BILT so I jumped onboard because who doesn’t love rewards?! I set up auto payment for my rent and on month two my complex emails me a 30 day notice to vacate and adds a late fee because my payment wasn’t sent in. I had perfect payment history with the complex and had just renewed my lease the week prior. BILT attempted to pull early hours of the 1st before my child support and monthly transfer from my business account went into my personal account, a SINGLE attempt to pull and then payment attempt was cancelled. I didn’t even know it happened until the 4th when my leasing office emailed. I’ve been waiting for 2 days for the “zen desk customer service” to respond. There is no customer service number and yet we trust them with the responsibility of paying our rent and handling that much money, along with our bank account info. Ridiculous. My rent money had been in there by 1030am after transferred on the 1st and it didn’t even attempt to pull again that day, most companies attempt 3 times. Funny how with me being solely responsible, my rent was never late. Additionally, it would take SIX YEARS for me to be able to purchase a simple flight from ATL to ORL with my rewards! This app is a joke. It caused so much unnecessary stress.

Got the card some time back and just had my first rent payment come about. Tried to pay, and got an email saying that the transaction failed due to balance restriction. Ok, fair enough, no biggie. I reached out to customer service to ask if this means that this transaction will not go through no matter what now, and they assured me that that is the case. Ok, great! I turned on the debit feature that draws automatically from my debit account and paid my rent again - smooth sailing, everything goes through. I’m checking my checking account a few days later to see that both charges went through, and that I had paid rent twice. Great! I reach out to customer support asking them why they deceived me and they basically feed me nonsense about “oh well it tried again after you turned on the debit pay” - remember, I asked if I can safely assume the transaction won’t go through no matter what. As a consolation prize they offered me some measly 1,000 points (which is less that the $ interest I would’ve earned on my rent amount that I ended up paying a month in advance essentially cause of their double pay. Useless customer support and non-intuitive product hidden behind a shiny UI.

I recently got my money taken out of my personal account for the rent fee WITHOUT MY CONSENT from Bilt Rewards!!! Tomorrow is the last day of the rent, and I can’t even talk to this company to get my money back! I have called the APT Management to find out what happened, because I have been paying with my eCheck for the last 4 months. I even gave my personal check in person for this month because we are moving out. When I reached out to our Management, they told me that I should report to the bank for Fraud and stop the transaction immediately, and I did. Make the long story short, I have to go back to the bank tomorrow first thing in the morning again, because I couldn’t get it done today. Also, I have to notify or call all the autopay as well after I get my new account. Currently, my account froze, and I have to cancel my original check. Then, I have to pay and make a Cashier’s check tomorrow from my new account to pay the rent fee! The funny thing is, even our APT Management don’t even have Bilt Rewards contact number as well! All we can do is just to get a ticket from the app and wait for them to contact us. This is totally RIDICULOUS!!!

I received the card and I called the number to activate it and a message said to do it online then hung up on me. So I went online and I put the info in 3 times and got an error message every time. After three tries the app gave me a number to call. I called the number and the gentleman told me he can't help me because he doesn't handle that kind of card. Idk why the app gave me that number. He gave me another number to call and another guy answered and told me he will transfer me to people who can help. He transferred me to the original number I called and I was hung up on. I called back and finally a lady spoke to me and was able to get me to someone who could help. I had to speak with the fraud department to get my card activated. I know it's too early to judge but I will say it was not a good start with this card. Also, the lady I spoke with on the phone to open my account told me my credit limit was a certain amount but when I activated my card and went into the app I saw it was $500 less than what she said. That's fine because it's still more than I need but I found it strange that she would tell me one thing and it end up being another. A lot of inconsistencies from the start.

The US Congress discriminates against renters and in favor of homeowners by allowing homeowners to deduct their mortgage interest and local property tax from their taxes, while providing nothing equivalent to renters, which is particularly unjust since homeowners tend to be wealthier than renters (mainly because wealthier people are more likely to buy homes; home ownership on average isn’t actually a particularly good investment, and wouldn’t be so popular if it weren’t subsidized by tax-payers). Bilt provides a significant benefit to renters by allowing them to get points for their largest expense and to build up their credit history. They also try to make rent day fun and engage in other clever marketing. It’s great to see a financial product that makes money by providing a service that helps a large number of people.

There’s no way to handle fraud or lock your card in the app. I got a text about something weird and responded that I didn’t recognize it. My card gets locked and now I’ve called the number provided about 3 times. All three times I waited forever and still couldn’t talk to someone! After half an hour the system said I had been on hold too long and disconnected me. Additionally on balance and autopay… The way the app puts your balance in, makes it hard to understand what you actually owe because they don’t put any pending transactions on your balance like some other cards do. It makes it difficult to know how much money I owe. My Apple Card gets around this by showing the total balance, but only allowing you to pay off everything that is not pending. Auto pay was really confusing to set up. For some reason Bilt can’t do it in its own app so you have to go create a Wells Fargo account and there’s almost no instructions on how to set up auto pay in that Wells Fargo portal. Many cards that are run by other issuing banks can set up auto pay on their own so I don’t understand why Bilt has this limitation.

Just having my rent automated and not needing to worry about remembering to write and drop off a physical check to my landlord every month is a HUGE win for my ADHD self. Plus I can earn points?! 😍 definitely recommend for those reasons, but…. Big BUT… the onboarding process where you need to make both a Bilt account *and* a Wells Fargo account and set up auto payments in two separate places was confusing. I didn’t realize I hadn’t paid the other transactions. My rent was auto-paying. I always set up autopay because, once again, ADHD. I had only charged like $150 to the card in 3 months so it wasn’t a significant amount that I noticed, until my credit score dropped 157 points. It’s been an absolute nightmare trying to fix this. I was able to get the late fees refunded after several phone calls of Bilt and Wells Fargo passing me back and forth like a game of telephone ping pong not sure who was supposed to handle what, but no short term solution to revive my credit yet. Hopefully it rebounds by the time I need it for something (glad I decided to wait to buy a car). Turns out my SS number was typo-ed somewhere in the setup process and now I need to go into a Wells Fargo to gain access to my account, which is only open while I’m working 🫠 So be careful! Take your time to do the setup process. It’s definitely worth it if you do it right, but it’s pretty confusing and can have MAJOR consequences if you don’t set it up right.

I was denied for my first application since my credit was frozen. I called and was asked to unfreeze it for 24 hours. I did, but they tried to pull after the 24 hour mark (note, they need a 72 hour unfreeze, despite being told by wellsfargo 24 hours). After I tried to reapply, but there is no option too. The apply button disappears. I looked it up and other users reported being told to open an account with a different email. I attempted to do so, but you cannot re-use the phone number. I asked support to delete my old account, they did not delete by deactivated it. Meaning my number is still being used, and I cannot open a new account. Now I’m stuck, and can’t sign in and can’t apply. Update: Bilt Support has been trying to resolve the issue over the last week. They have not been able to resolve it yet, but they have been very diligent and customer friendly.

My apartment management , forced all renters to use the BILT app to make our payments. Making my payment through my Apartment Website before BILT was perfectly fine and nothing happened to my information or my payments. Within two months of being forced to use this BILT app, BILT sent out a notification, and so did my apartment office, stating that there was a security breach with the company BILT. This is absolutely ridiculous, when considering the fact that both the apartment management and BILT itself touted itself on its protective measures of our security and within two months, all of us were compromised and we were forced into the situation. On top of that, if I make a payment to my rent before the auto pay withdraws then I still get a text message and an email stating that there was a problem processing my payments. Yes, of course there’s a problem processing my payment because you are not allowed to take my rent money twice within one month. Fix your app! Fix your company! I would give no stars instead of one if I could.

I like playing the points game as much as the next person but there are rules. The first rule is that you make your payments on time otherwise there’s no point, since the interest and late fees wipe out any credits. Even though we pay a lot in rent every month living in a HCOL area, this app/card isn’t worth it because signing up for auto pay is very difficult and can’t be done through the app. I’m assuming they want it to be difficult so people miss payments so they can hit you with fees. Next, they have been the subject of multiple fraud attempts, so they lock our card and tell us they’ll send another. They don’t. We call because we need it to be active to pay our rent and make 5 purchases in order to be eligible for the points from rent. They said oh, we won’t send you another card, we’ll just activate your old card that possibly had fraudulent charges on it. Try to use it, still doesn’t work. We ask if we’ll still be eligible for points, they say, not my department, can’t help. Would not recommend this to anyone.

I just got this card and on my first ever attempt to use it to pay rent I am already having issues. My rent check was mailed but never received and the funds have already been pulled from my account. I now have no money to pay rent or a check to pay rent with because I have no idea where the check is. They provide tracking but it’s not detailed. When I try calling customer service NO ONE helps and I can never get a real person on the line. After 2 days of trying to get someone from Bilt, I’ve had to escalate to Wells Fargo who are the only people who answer callas and actually help. I have now had to escalate to get a payment reversal because essentially Bilt has taken my money with no service provided. I thought this card would be cool and fun but it’s actually a nightmare and I don’t recommend this AT ALL. I will be cancelling the card after this because this is actually insane. I am so glad I have an understanding landlord or else I’d be stuck laying late fees or dealing with a 3 day notice. DO NOT USE THIS CARD.

Long story short, the card is fantastic- but the app is just okay. My first complaint is that I want to see the page with my card’s balance (the Wallet tab) when I first open the app, but instead it takes you to Bilt’s Rewards tab, which is annoying and kind of confusing. Especially considering the Rewards tab looks like some social media home page and not an actual credit card app. My second complaint is that it stops your music (assuming you’re listening to music) when you first open the app, which is annoying too. My main gripe though is that I can’t really customize my notifications with the app- I don’t want to be texted and emailed each time I do something, like make a payment towards my balance or pay my rent, and I wish I could change those settings in the app. I’m sure the app is in its infancy stages, but the user experience is a bit mediocre.

I absolutely wanted to love this card. Right after I signed up, I told several other people about it. One of those people was my girlfriend. She signed up the following week, but mixed up the links and it didn’t get connected with my referral. I contacted support looking to resolve this, and they told me she needed to reach out. So I awkwardly brought it up with her, and she did. The response was they still refused to grant the referral points even though we could prove I had referred her. What an unfortunate experience with the customer support. I haven’t decided whether I’ll keep the card after this, but I certainly won’t be recommending it, knowing that the support experience is so poor. Edit: after a few more back-and-forths and a tweet that caught their eye, I finally got the referral bonus. So they did the right thing. It just took a lot more effort than it should have.

I’ve been wanting to pay my extra high Cali rent with a credit card for a while without having to pay an additional $83 processing fee. The fact that I can still pay rent without using the credit limit that I was approved for to keep credit card utilization down is golden!! In the words of the Uncle Denzel Washington “I’m leaving with something “ … award points and being able to transfer as well. Who doesn’t like to be rewarded ! S/O to my friend who recommended after I stopped searching .. appreciate you Lucas! I’ve shared with friends since approval as well. I hope this card is around as long as I’m paying rent anywhere and treats me well lol

My recommendation for the app would be to make all the information about balances and payment be the first thing seen when the app is opened. A good credit card will show the card’s balance, due date, what you’ve paid so far towards that balance/how much remains of the balance. The rewards page should not be the home page. If that information is hard to find and/or not clear, it will cause me to miss payments. If I miss payments due to poor app design, I will cancel the card and delete the app. If the design is clear, I will be a happy, loyal customer. See Chase and Amex apps for examples of clear design and utility. Second, The Bilt Rewards rewards home page is so jumbled and crowded, it’s hard to tell what is going on. I just skip over that tab every time. That should be simplified and revamped. Thanks for listening to my feedback.

I’ve just completed my second rent payment through the Built app and have also received the credit card which I have used several times. Since the rental payment service is the meat and potatoes of the offering I will only review this portion of the offering. Overall I give this an 8.5 out of 10. The app is easy to use- simple to navigate and works as it claims it should. I now have an easy, safe and reliable way to pay my rent while receiving points- what’s not to love? Previously - because my rent payments are above what Wells Fargo would allow with Zelle payments I was unable to make monthly automatic on line payments- and now I can and I get points for using it. The only draw back- and it is NOT insignificant is that once you program your auto payments the only field that you cannot edit is the $ payment amount. So my rent just went up and i CANNOT edit the transfer amount and as of yet I have been unable to delete my original auto payment to make a new one. So now I have had to turn OFF auto pay and manually send the rent each month. This is a minor oversight on the part of web developers but has an outsized impact on users. Once this issue gets cleared up I would be happy to rate this app a 10.

I was excited about this credit card to pay rent, but the overall experience has been horrible. Between system migrations cancelling my rent payment for a month, fraudulent charges on the card not being dealt with in a timely manner (also I only used the card for rent through their system so not sure how fraudulent charges were even made), and the inability to set up auto pay with an account that isn’t Wells Fargo, this credit card is awful. Customer service will pass you to 4+ different departments just to hang up on you without warning. Two CS reps I talked to were incredibly rude and 5/6 were completely unhelpful even though I had a very simple issue. They also make it super difficult to cancel your account, and hung up on me when I called and asked them to cancel it. I’ve never left a review before on any app but this one is so bad I had to say something! Not sure how there are so many 5 star reviews, but BEWARE THIS APP/CARD!!!!!

I just got BILT so I can earn points on my rent payments. I’ve run into a small issue though, I received an email notification that my card arrived in the mail when in fact it hasn’t. I then received a notification that I would be able to earn 5x the points if I make 5 transactions within 5 days but I don’t have the physical card yet. I was however able to add the card to my Apple Pay so I can still use it that way. There also isn’t an option in the email to notify Wells Fargo that my card did not actually arrive or that there is a delivery issue, that would be really nice. I have that option in the emails from other credit card platforms I use. Other than that, BILT is a great idea and I look forward to using BILT more often! Just a small problem, thanks!

If you're considering Bilt Rewards, think again. As countless other reviews will confirm, their customer service is nothing short of abysmal. They offer excuses instead of solutions and provide vague, unhelpful responses that do nothing to address your concerns and it will never be result. Believe what I’m saying. I’ve had an incredibly frustrating experience with Bilt Rewards. Their customer support is virtually non-existent. Reaching a live person is useless. There is no phone support, and their chat system is run by an AI that’s utterly incapable of resolving any real issues. I haven't had an account balance update in a month (you read correctly, IN A MONTH), and despite my repeated attempts to reach out for support, I have been left completely in the dark. If you're looking for a good-working service and a support team that'll sort things out when you need them to, do yourself a favor and look elsewhere.

The concept of getting points for rent is great, but any credit card company needs to come prepared to have a well functioning customer service department. Getting through to customer service is a nightmare with Bilt. The number on the phone doesn’t direct you to a human - it’s automated rerouting system will keep rerouting you to one robot after the other and will not let you speak to a human no matter what. I was trying to get through with a question about redeeming my points and after following the prompts, I was redirected back to the very first step. It’s extremely frustrating and you will stay on the line for a very long amount of time without getting access to a human. I then tried to email them and made sure to list out all my questions in one go. I emailed on 9/1 and didn’t receive a response till 9/9, at which time the rep only responds to 1/5 of my questions. Just awful customer service overall.

When I heard about this card, thought it was too good to be true. Even though there is no traditional sign up bonus, having inly held the card a couple months there have been a number of opportunities to earn bonus points. Because of this I’m already half way to there silver tier where you cans start earning interest on points The app works and I’ve had no issues with it although I am excited to see what they do in the future to further improve the UX. (E.g. You need to track your status, card opps, etc in the Bilt Rewards app, but must use Wells Fargo to make payments / see latest transactions. So, not most space efficient solution.) But, for me, the benefits way outweigh the smaller inconveniences.

Being able to accumulate points on rent is a greatl idea. However, it is hard to use the points efficiently. I tried to use the points to buy an airline ticket. It turns out Bilt uses Expedia which totally messes up my reservation and I had to spend hours fixing it. This is not totally Expedia’s fault, but part the airlines’ which actively undermine these third party services. The bottom line, I was sold a Delta flight to Italy and paid extra to have the seats assigned, but then I could not get the seat assigned because the carrier was actually another company and it would not honor seat assignment on a ticket soled by Delta. Bilt needs to switch to a better provider or develop its own. Right now I do not trust Bolt’s travel reservation system and I am switching in part to other cards.

If you’re self employed or don’t make a lot of money, this BILT WILL HELP YOU GET A HOME LOAN BY PROVING THAT YOU PAY YOUR RENT - MORTGAGE ON TIME! The best part for a lot of people suffering from the economy, is that you can use BILT to pay your entire rent or mortgage and all you need ito do is pay your BILT CC payment on time. It’s a normal CC balance, not the full amount of the loan. The customer service is ABSOLUTELY THE BEST I’VE EVER EXPERIENCED!!! The points are also amazing! You can shop, travel or even use your points towards the rent / mortgage payment. I personally think that this is the best CC I’ve ever had. You can use it for purchases, cash advance’s just like any other credit credit card. IF YOU’RE STRUGGLING BECAUSE OF THE ECONOMY YOU NEED THIS CARD!

Interest rate about the same as others. 3x points on restaurants is great too. We pay our rent via the Bilt app and Bilt Protect, which simply pulls directly from bank account then they sent payment to apartment. Day or two for processing. Not bad! One big issue we had though. We accidentally paid our $1,880 rent one month but charged it to the card, instead of it pulling directly from checking. When we got our next statement bill the minimum payment due was $1,880, not just 1% of our balance. This was a shocker! Be careful paying rent and use the auto protect option they have. We have 38,560 points in first year of card use, so that’s a free RT airfare from DC to Denver! Free after paying the monthly interest of course!

Super disappointed with this new card. Hearing that renters could take advantage of the point system while paying your monthly rent certainly sounded like a good thing. However the links for the app and the payment processing system via Wells Fargo is extremely poor. Not at all user friendly. The customer service is laughable. Trying to get a person on the phone, any customer service choice, is a joke. The assistance has been less than poor and highly unacceptable. This is not easy to use, payment options are limited. Trying to decide whether or not to just cancel the card altogether.

I have autopay set-up and usually it takes 2 business days for them to post the statement online from the scheduled date. So, with that being said, I received notification of payment being processed on Jan 3rd and on January 6th I yet didn’t see the charges on bank statement. I visited website and it showed next due rent for month of February and I was thought, this could be just taking longer this time to process the payment. Two days later, payment not processed yet. I reached to support and they said it failed due insufficient fund which isn’t correct either. At least you could update your system so I wasn’t fooled by trusting Bilt Rewards. I asked for assistance to correct penalty fees since system is disguising but support team didn’t care and simply told me to deal with leasing office. Then, why are you a middle man!?

You can get up to 50 days to pay your rent interest free plus earn points on your rent payments. There’s also double points on the first day of the month bonus points on the first day of the month as well as multiple points on various categories, which can also be doubled on the first day of the month there are probably more valuable points out there, but there is no other way that I’m aware of that you can get float on your rent as well as earning points. Just make sure to pay it off so you don’t end up paying interest on your rent

You can get rewarded 500 points a month if you split your rent payment in half but that adds up to like $2-5. If you use your checking account, it takes them 24-48 hours to withdraw the money. Normally around 36 hours at like 2-3 am. so make sure to have your account open and funds available or else you’ll have to pay the NSF return feed to your renter. If you use your debit, they’ll charge you a processing fee of $9 and change. If you use credit is $4 and change. The processing fees to pay with a debit card is way too high but the changes of not having enough funds in your checking is even more worse. It’s a lose lose situation. I’ve used BILT for roughly 3 months and only have $20 from paying thousands in rent. ($1300/month). Is it even worth it?

God forbid you have any issues with this card. Built MasterCard does not answer the phone at all. And in case no one tells you MasterCard and BILT MasterCard are two totally SEPARATE things. The automated system will transfer you to MasterCard only for you to be told that they cannot help you at all. And to call the BILT MasterCard employees. How that makes any sense whatsoever baffles me. Attempting to reach out to anyone in Bilt always result in zero communication or the fact that nobody knows what they’re doing. Do you even exist? This is the exact reason why I left Comcast. Great idea for a card if a functional company had control of it.

I am extremely disappointed with the customer service at BILT. I made my June rental payment on June 1st using BILT by linking my Chase Checking account. The next day, I received an email from the BILT support team stating that there was a link failure and the amount was not deducted or would be reverted within 3-5 days if reverted by chance. Knowing that my payment didn’t go through, I attempted another payment by linking my Chase savings account. Now, both the June 1st and June 3rd rental amounts have been paid. Upon contacting BILT customer support, I was told that I need to communicate with the support team via email, which takes forever to get a response. This situation is incredibly frustrating and has caused unnecessary stress. I’m out of cash for this month. I expected better service and quicker resolution from BILT.

This new way of paying rent and being rewarded has taken over. The fact that i can earn travel, food and other rewards just by doing something that needs to be done monthly anyway…I was so glad to see my apartment complex management offer this great way of paying rent. It’s a win-win for tenants and mgt. And the ability to use points earned to pay for rent ….there is no other program like it. It’s very user friendly and engaging. Thanks for developing a new age rent paying program that actually rewards you for doing something you do anyway….paying your rent.

I love supporting up and rising companies and the idea behind this company is great. EXCEPT my account has managed to get hacked not once but twice. The first time around their security measures were so weak that the person committing fraud was able to change my phone number so I got ZERO correspondence on the fraudulent transactions happening. I only discovered the fraud once I logged into my account. They closed my card, changed my password, and added a verbal password. I gave them a second chance. And a month later SAME issue except this time the fraud clearly happened by someone getting access to the app. It’s very very clear they need to raise the security measures for their accounts. Consider this your warning. Stay away. Both cases were so bad I closed my account and didn’t care about the damage it did to my credit score.

First off let’s say you lost or got your card stolen…want to cancel it, lock it or request a new one? Most banking apps make this quick and easy..however with Bilt you have to call their support which by the way may take hours for anyone to even answer and then they may or may not be able to help you. In my experience I had to call support (4 hour wait on tuesday morning) and then a 2 hour wait for Wells Fargo because boot support has no control over the cards and neither do you. Everything you do with this card has to go through Wells Fargo so not only do you need the bilt app but also Wells Fargo but you cannot preform any actions such as locking the card etc the only way to do anything like this is by calling and hopefully getting a hold of someone

Just got my card and just the card itself is pretty cool and how it lets you earn points on your rent, but I have to say something about their customer service chat bot. I don’t know if it’s a bot or a real person but it is so helpful and quick with responses and write responses so easy to understand. I’ve had 1 million questions since I ordered my card and I keep going back to the website to ask the questions on the chat, and it is literally the best! I really want to know if it is a bot or a real person, but that’s the one question it won’t answer😂

I have been in the credit card game for a while now and have cards with most big banks. The problem though, is that most point earning cards either come with a hefty annual fees or are tied to specific points redeemed only for a certain airline/hotel. Bilt addresses both of those issues while also allowing me to earn points while paying rent. Not only do they have partnerships with properties but also provide alternatives like a checking account number to pay rent on non partner portals. Too good to be true for a no annual fee card.

I only applied to get the card because I wanted to use my points towards rent. I saw that my apartment complex was on their Reward Alliance list. While when I tried to make a payment & use my points I wasn’t able to, called customer service & they stated my apartment wasn’t on the list. That it was other locations but not mine. I thought it was misleading & now I believe in order to use my points my only option is for me to make a payment & Bilt will send a check to my leasing office. Which is going to be an inconvenience if I do that, because I’m going to have to follow up to make sure they receive the check & to have the stress thinking, if it’ll arrive on time, if it’ll be correct or what if it gets lost. Not what I expected unfortunately.

I have no choice but to use this bloated data collection app for rent payment. It is a convenient platform to present you with ads for their products; credit cards, contests, etc. Even on the “Pay Rent” page you are presented not with your wallet as the default view, but an offer to sign up for a Bilt branded credit card. Planning on using a reward credit card you already have? Plan on paying a significantly higher rate than if you use your checking. I under stand that there are fees, but even there they are making money. 3% more to use a credit card when it is likely they have fees of 2% or less to process transactions. The 5 star reviews seem suspiciously enthusiastic. If you are going to write fake reviews, at least write them as if a real person wrote them. When was the last time you saw such effusive praise for a rent payment app. At any rate, I am stuck with this. It is at least two more steps to pay rent than on the previous platform we used. I guess I can console myself that this is another area where the multi-state corporation that “manages” our property is able to make money while Bilt mines our data for monetization.

Love the concept of the credit card itself. I wish it was compatible with Zillow. I tried to input my Routing and Account for ACH but it wouldn’t work. I emailed Zillow and they told me that it wasn’t compatible. Which is disappointing because I’d rather not mail a check because the possible thought of it getting lost in transit scares me but at this point I’m willing to take the risk. I just hope it gets processed by my landlord accordingly. Haven’t don’t it yet but set it up for next months rent! Fingers Crossed!

I accidentally applied for the card trying to make my rent payment (because apartment is always pushing new junk). So…surprise surprised I got a new credit card card in the mail, that I never wanted and not even enough to cover 2k for rent and the included bills that go along with rent. Credit hit, app cannot even give me the amount I owe for overpriced crappy dwelling, and then there is so much garbage on the app that it makes me even more disgusted that I have the card. I would never applied to Wells Fargo bank if I had known that, I was even getting a credit card, instead of paying rent through this convoluted system. On a good note… the card itself is one of the really cool metal cards, not as good quality as the Apple Card is, but it is metal. Gooooo team BILT…fail!

Love the product generally but the app UI is garbage specifically the Wallet page. It’s impossible to schedule a credit card payment and to tell when your payment is due / when you’ve already made a payment. The outstanding balance / statement balance amounts are also always glitchy. I’ve used every other major credit card provider and none of them have UI as bad. I’ve never missed a credit card payment before and have now missed 2 due to the bad UI. I know it’s not just me too since my friends have shared similar complaints. If I didn’t know better I would think it’s a ploy to improve Bilt’s partnership with Wells Fargo by purposely having confusing UI to generate more late fees. Disgraceful for a consumer-facing production product.

I do not care about the Bilt founder hanging out with pseudo celebrities. Good for him, he wants fancy friends. I really, really don’t want to play a trivia game for my housing situation. Im not reliant on it, but wow that is dystopian. I think it’s super messed up that my rent can be paid with “points”— don’t charge that much for rent then. I don’t want yet another line of credit for a RENTAL, the whole point of which is that ITS NOT A LINE OF CREDIT. What makes me most mad about this is that I prepay my rent and this d*mn app shows a $0 balance right before rent day, which straight up isn’t true. This makes me think that my $1200 is just lost in the ether. This cannot be the case. Then, my landlord company has a delay in transferring the $$? Bro this is RENT. Can’t mess around w this stuff. Not cool.

App overall is good, can be a bit busy with the information but ok once you get used too. Biggest complaint I have is the statement balance is rather confusing. Instead of there being a clear indicator if your statement is paid off, it just shows the date of your last payment, and you need to see if that is after the statment date and if they all total the right amount. A green checkbox like the Chase app has would make it much more readable!

BILT is the only major credit card company that gives you points for paying rent (with no processing fees)! But the best thing about this card (and the app) is the customer service. I haven’t had many issues, but when one arises, the team goes above and beyond to make sure the customer is taking care of. The app is extremely intuitive, making it incredibly easy to transfer points, pay rent, make payments, etc. All around thumbs up for me!

App is kind of fun to use. The interface is simplified. There are some things that are not intuitive but still I like it better than other credit card apps. Love that you get rewards from rent. Travel portal is essentially Expedia and it is also well laid out and intuitive. We already saved more than $100 from travel bookings just from rewards during the first month of using this card. Definitely worth using

The app and concept here are great. Unfortunately, this is very much in the “growing pains” stage where they are still getting kinks worked out. When you unfortunately have one of those issues that causes your rent payment to be late (even though it’s on autopay and you have plenty of money in your bank account), Bilt makes it virtually impossible to speak to a human being, let alone someone with the ability to actually help you resolve your problem. Their online Zendesk ticketing system is a convenient way to avoid actually providing any customer service. The automated text systems are useless, and you’re likely to get stuck in a Comcast-esque endless loop of traversing through phone trees and getting transferred from one operator to another. If they can ever actually make the product fully functional, I’d be happy to use it again. In the meantime, I would avoid it and save yourself the headache of spending hours on the phone with customer support and online various chatbots just to be told there’s nothing they can do.

The absolute worst customer service I’ve ever experienced. It’s super off putting to not have access to speak with a live rep in regards to rent payments via the app. Communicating with AI chat reps and emailing with unresponsive reps in not sufficient enough when handling thousands of dollars. With all the fees associated with this app you’d think they could afford a call center. I’ve received multiple different responses from these customer service rep about 1 issues. They lose track of your funds and don’t process refunds in a timely matter. You can only speak with a live rep if you have a Bilt Mastercard. That’s laughable! It’s just horrible! I pray property companies part ways with this service as it is not efficient enough for rent payments!

This company is sneaky and unfair. The value proposition I understood as a customer is that they created a way to get rewards from paying rent. After the first month I realized they charged me $145 for a transaction fee that is nonrefundable and very well hidden in the T&Cs. The customer chat was rude and not helpful at all… why would I pay $145 when I can go direct to my rent portal to use my credit card for WAY less. It’s ridiculous and I don’t know about you but I didn’t have that much money to throw out the window. A company that claims to be disrupting the rental industry is doing nothing but stealing money. Update: there support team did absolutely nothing. It’s a sham “we want to help response”