Travel rewards card
Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 40 reviews mentioning great rewards Show all
Reddit · r/CreditCards · Nov 8, 2026
PositiveSummary of a Reddit comment
Holds the Venture X and just opened the Bilt Palladium. They like its stronger transfer partners and the higher portal redemption value compared with Capital One, and note no perk changes have been announced yet.
Reddit · r/ChaseSapphire · Oct 25, 2026
PositiveSummary of a Reddit comment
Moved from CSP to the Palladium and earns a lot of points.
Reddit · r/CreditCards · Jan 16, 2026
PositiveSummary of a Reddit comment
Sees the new Bilt card's sign-up value and hotel credits as worth a card slot.
Reddit · r/amex · Oct 15, 2026
PositiveSummary of a Reddit comment
Likes the Palladium, has maxed the accelerators, and has had no fraud problems.
Reddit · r/CreditCards · Oct 8, 2026
PositiveSummary of a Reddit comment
All spend now goes on the Palladium.
Reddit · r/CreditCards · Oct 8, 2026
PositiveSummary of a Reddit comment
Moved all spend to the Palladium for the 3.33x.
Reddit · r/amex · Mar 27, 2026
PositiveSummary of a Reddit comment
Earned almost 200k points in two months with promo, sign-up bonus and accelerator.
Reddit · r/CreditCards · Jan 15, 2026
PositiveSummary of a Reddit comment
Obsidian plus Amazon card earns over 50% more points than Amex Gold plus Amazon.
Reddit · r/CreditCards · Jan 6, 2025
PositiveSummary of a Reddit comment
Likes dining multipliers, cellphone protection, Rent Day and rental coverage.
Reddit · r/CreditCards · Dec 4, 2024
PositiveSummary of a Reddit comment
Easily meets the transaction minimum with a daily coffee.
Reddit · r/CreditCards · Oct 8, 2026
PositiveSummary of a Reddit comment
About 2.9x effective earn this year on the Palladium.
Reddit · r/CreditCards · Sep 8, 2026
PositiveSummary of a Reddit comment
Averaging over 4 points per dollar excluding the sign-up bonus.
Reddit · r/CreditCards · Jun 17, 2026
PositiveSummary of a Reddit comment
Misses spending on the Palladium while working on another SUB; app and support are clunky.
Reddit · r/ChaseSapphire · Jun 13, 2026
PositiveSummary of a Reddit comment
Opened the Palladium for a better earn rate on typical spend.
Reddit · r/CreditCards · May 1, 2026
PositiveSummary of a Reddit comment
The Palladium has been an absolute points-earning monster.
Reddit · r/amex · Mar 21, 2026
PositiveSummary of a Reddit comment
Earns points on everyday spend faster than on Amex cards.
Reddit · r/amex · Mar 21, 2026
PositiveSummary of a Reddit comment
Great for them; needed no support and earns lots of points.
Reddit · r/CreditCards · Jan 3, 2026
PositiveSummary of a Reddit comment
Bilt rent points have been awesome for Alaska and Hyatt.
Reddit · r/personalfinance · Nov 11, 2025
PositiveSummary of a Reddit comment
No complaints; great points system with free Lyft rides and flights.
Reddit · r/CreditCards · Feb 6, 2025
PositiveSummary of a Reddit comment
Rent day bonus is good and scheduled bills cover the four required transactions.
Reddit · r/CreditCards · Dec 4, 2024
PositiveSummary of a Reddit comment
Does most holiday shopping using Bilt points on Amazon.
Reddit · r/CreditCards · Sep 26, 2024
PositiveSummary of a Reddit comment
No issues in 1.5 years; points on rent for no fee is a no-brainer.
Reddit · r/CreditCards · Sep 26, 2024
PositiveSummary of a Reddit comment
Gets 30k points a year at no cost and no effort.
Reddit · r/CreditCards · Nov 12, 2022
PositiveSummary of a Reddit comment
Gets rent points every month with no fees even at a non-Bilt property.
Reddit · r/CreditCards · Sep 26, 2024
PositiveSummary of a Reddit comment
Accumulates 30k+ points a year on a no-fee card.
Reddit · r/CreditCards · Aug 16, 2024
PositiveSummary of a Reddit comment
Easily earns about 50k transferable points a year from rent and dining.
Reddit · r/CreditCards · Jul 26, 2024
PositiveSummary of a Reddit comment
Does not mind the rent day cap and uses the card only on the first.
Reddit · r/CreditCards · Jun 2, 2024
PositiveSummary of a Reddit comment
Gets about 23k points a year just from paying rent with no annual fee.
Reddit · r/CreditCards · May 3, 2024
PositiveSummary of a Reddit comment
Two months in and enjoying the five-transaction optimization.
Reddit · r/CreditCards · May 3, 2024
PositiveSummary of a Reddit comment
Loves the card for free points on rent with no annual fee.
Reddit · r/CreditCards · May 3, 2024
PositiveSummary of a Reddit comment
Signed up on day one and loves the card.
Reddit · r/CreditCards · May 17, 2023
PositiveSummary of a Reddit comment
Loves it after four months and gets plenty of promos.
Reddit · r/CreditCards · Apr 28, 2023
PositiveSummary of a Reddit comment
A month in and loves the card and its 3x dining and 1:1 airline transfers.
Reddit · r/CreditCards · Sep 26, 2024
PositiveSummary of a Reddit comment
Has accrued many points paying regular rent and had no fraud.
Reddit · r/CreditCards · Jul 22, 2024
PositiveSummary of a Reddit comment
Glad they got it; free and easy points for rent.
Reddit · r/CreditCards · May 3, 2024
PositiveSummary of a Reddit comment
Gets points on rent they could not otherwise pay by credit card.
Reddit · r/CreditCards · May 3, 2024
PositiveSummary of a Reddit comment
Uses it only for Amazon reloads and rent and is perfectly content.
Reddit · r/CreditCards · Dec 6, 2023
PositiveSummary of a Reddit comment
Earned 5k points from Rent Day purchases in a single month.
Reddit · r/CreditCards · Nov 18, 2023
PositiveSummary of a Reddit comment
Uses Lyft (5x) for the other monthly transactions.
Reddit · r/CreditCards · Aug 23, 2023
PositiveSummary of a Reddit comment
Earns Bilt points on purchases made with other linked cards.
Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks. Many are unhappy with the 2.0 changes, which they say cut benefits and made earning more complicated. Support experiences are mixed, with several fraud cases handled well and others slowly.
Of the 209 reviews with a clear verdict, 49% are positive, 18% mixed and 33% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (21 reviews), great travel perks (11 reviews) and helpful support (5 reviews). For example: Misses spending on the Palladium while working on another SUB; app and support are clunky.
The complaints reviewers mention most: poor support (12 reviews). For example: Multiple fraudulent charges, then the card was cancelled for suspicious activity with unhelpful support.
It's how well reviewed Bilt Card is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Travel rewards card. Type: Rent and travel rewards credit card. Fees: Three cards: Blue $0, Obsidian $95, Palladium $495 annual fee. Rates & rewards: Up to 1.25x points on rent and mortgage payments.
209 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.