Reddit · r/CreditCards · Dec 20, 2024
NegativeSummary of a Reddit comment
No live phone agent; support by text, email or chatbot is tedious.
Bilt Card Reviews
Travel rewards card
Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.
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.
What people mention
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (209)
Add your reviewShowing 29 reviews mentioning poor support Show all
Reddit · r/CreditCards · Jun 17, 2026
MixedSummary of a Reddit comment
Great earner but infuriating to work with when human help is needed.
Reddit · r/personalfinance · Apr 7, 2026
NegativeSummary of a Reddit post
Reported fraud right away but two charges went unresolved for months.
Reddit · r/CreditCards · Jan 16, 2026
NegativeSummary of a Reddit comment
Would not choose Bilt's customer service over Amex's.
Reddit · r/CreditCards · Nov 5, 2025
NegativeSummary of a Reddit comment
Bilt closed the account despite good standing.
Reddit · r/CreditCards · Oct 7, 2025
NegativeSummary of a Reddit comment
Payment debited from bank but not credited to the card, held for verification.
Reddit · r/CreditCards · Jun 27, 2025
MixedSummary of a Reddit comment
Fraud claim took 2-3 months and many calls but was resolved.
Reddit · r/CreditCards · Sep 14, 2026
NegativeSummary of a Reddit comment
Not worth the headache of going in circles with support for a few points.
Reddit · r/CreditCards · Jun 17, 2026
NegativeSummary of a Reddit comment
Palladium restricted on the first transaction with weeks of useless support from Cardless.
Reddit · r/CreditCards · May 3, 2026
NegativeSummary of a Reddit comment
Rent was double paid once and payments repeatedly failed on rent day.
Reddit · r/amex · Nov 7, 2025
NegativeSummary of a Reddit comment
Bilt sometimes fails to post the Walgreens prescription points.
Reddit · r/CreditCards · Jul 24, 2025
NegativeSummary of a Reddit comment
Must authenticate repeatedly with every support person.
Reddit · r/CreditCards · Jul 15, 2023
MixedSummary of a Reddit comment
Got a runaround on fraud until reaching a competent Wells Fargo employee who helped.
Reddit · r/CreditCards · Sep 23, 2024
NegativeSummary of a Reddit comment
Multiple fraudulent charges, then the card was cancelled for suspicious activity with unhelpful support.
Reddit · r/CreditCards · May 3, 2024
MixedSummary of a Reddit post
Likes the card mostly but rent checks are very slow to ship and deliver.
Reddit · r/CreditCards · May 3, 2024
NegativeSummary of a Reddit comment
Card was compromised twice and replaced.
Reddit · r/CreditCards · Apr 10, 2024
NegativeSummary of a Reddit comment
Account closed for suspicious activity despite never using it.
Reddit · r/CreditCards · Oct 27, 2023
NegativeSummary of a Reddit post
Account closed for suspicious activity without a clear reason.
Reddit · r/CreditCards · Jun 4, 2023
NegativeSummary of a Reddit comment
Silent term change caused landlord fees and Bilt would not help.
Reddit · r/CreditCards · Apr 23, 2023
MixedSummary of a Reddit comment
Paying landlord outside Bilt and claiming points by screenshot was a pain.
Reddit · r/CreditCards · Mar 6, 2023
MixedSummary of a Reddit comment
No fraud issues but email and chat support are slow.
Reddit · r/personalfinance · Jan 4, 2023
NegativeSummary of a Reddit comment
Card shut off and rent payment blocked after a fraud flag, with worthless support.
Reddit · r/CreditCards · May 3, 2024
NegativeSummary of a Reddit comment
Customer support is poor after a fraudulent charge.
Reddit · r/CreditCards · May 3, 2024
NegativeSummary of a Reddit comment
Got a very low starting limit despite good credit.
Reddit · r/CreditCards · Feb 28, 2024
NegativeSummary of a Reddit comment
Bilt withheld points despite receipts showing five transactions.
Reddit · r/personalfinance · Nov 25, 2023
NegativeSummary of a Reddit post
Theft claim goes through a third-party vendor with an annoying process.
Reddit · r/CreditCards · Nov 20, 2022
NegativeSummary of a Reddit comment
United says Bilt never forwarded their information for the status promo.
Reddit · r/CreditCards · Nov 19, 2022
NegativeSummary of a Reddit comment
Never received the United status promo confirmation.
Reddit · r/CreditCards · Nov 17, 2022
NegativeSummary of a Reddit comment
Calls Bilt's handling of the status promo extremely bad management.
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.