Bilt Card

Bilt Card Reviews

Travel rewards card

Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.

76Signal
49% positive
209reviews
How the signal works
The signal score

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.

Updated 9 NovCompare with American Express The Platinum Card from American Express

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What people mention

Topics grouped from customer reviews, with how many mention each; read the originals below.

Real customer experiences (209)

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Showing 18 reviews mentioning helpful support Show all

Reddit · r/CreditCards · Jan 7, 2025

Mixed

Summary of a Reddit comment

Card was hit by fraud several times but Bilt always resolved it.

Reddit · r/CreditCards · Jan 7, 2025

Mixed

Summary of a Reddit post

Fraudulent charge hit the card but Bilt texted and let them block one.

Reddit · r/CreditCards · Jan 14, 2026

Positive

Summary of a Reddit comment

Uses the card to float rent between paychecks.

Reddit · r/CreditCards · Jul 10, 2025

Positive

Summary of a Reddit comment

No issues with Wells Fargo as the Bilt issuer.

Reddit · r/CreditCards · Jun 27, 2025

Positive

Summary of a Reddit comment

One fraud charge handled in 20 minutes with a new card soon after.

Reddit · r/CreditCards · May 18, 2024

Positive

Summary of a Reddit comment

Support let them pay by Zelle and reimbursed the points.

Reddit · r/CreditCards · Sep 20, 2022

Positive

Summary of a Reddit comment

Bilt gave rent points even for a payment that did not go through them.

Reddit · r/CreditCards · Sep 20, 2022

Mixed

Summary of a Reddit comment

Zillow rent payments did not work but support added the points manually.

Reddit · r/CreditCards · Mar 6, 2023

Positive

Summary of a Reddit comment

Card is fine; after sub-$1 fraud they sent a replacement and bonus points.

Reddit · r/CreditCards · Mar 6, 2023

Mixed

Summary of a Reddit comment

Wells Fargo blocked fraud proactively and shipped a new card immediately.

Reddit · r/CreditCards · Jan 20, 2023

Mixed

Summary of a Reddit comment

Fraud alert resolved in minutes with a new card from support.

Reddit · r/CreditCards · Jan 19, 2023

Mixed

Summary of a Reddit comment

Hit by fraud but got a new card and a proactive call from Wells Fargo.

Reddit · r/CreditCards · Jan 11, 2023

Mixed

Summary of a Reddit comment

Hit by fraudulent charges, but Wells Fargo restricted the card and replaced it.

Reddit · r/CreditCards · Nov 11, 2022

Positive

Summary of a Reddit comment

Bilt credits Zelle-paid rent after an email confirmation; really good support.

Reddit · r/CreditCards · Mar 6, 2023

Positive

Summary of a Reddit comment

Bilt sent a new card and 1000 points after fraud.

Reddit · r/CreditCards · Jan 20, 2023

Mixed

Summary of a Reddit comment

Support replaced the card quickly after fraud, though fraud keeps happening.

Reddit · r/CreditCards · Dec 23, 2022

Positive

Summary of a Reddit comment

Reported fraud and the card was replaced with little fuss.

Common questions about Bilt Card

What do customers say about Bilt Card?

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.

Is Bilt Card worth it?

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.

What do people like about Bilt Card?

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.

What are the most common complaints about Bilt Card?

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.

What does the signal score of 76 mean?

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.

What are the specs of Bilt Card?

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.

Where do these Bilt Card reviews come from?

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.

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