Beware of the link to Wells Fargo The Bilt Mastercard, issued by Wells Fargo, is not all that it seems. Bilt makes it incredibly difficult to setup payments, rejects payments, and provides generally pretty poor customer service. This results in interest and late charges to customers, as well as increased frustration because its not generally possible to send an electronic payment through your primary bank. You will have to send a check or pay through the Wells Fargo website. Maybe the juice is worth the squeeze for you, but having to deal with a bank like Wells Fargo in order to obtain access to a supposedly modern rewards program makes no sense.

Absolutely love Bilt!!!! I have been a Bilt credit card member since October of 2021 and have been so incredibly happy with the services, rewards and experience I have received through this card. I would highly recommend this card and company to anyone, especially anyone that is currently renting. I love earning points for paying my rent and being able to use those points for flights and more, especially building my point total to use towards down payment assistance on a house/condo. I’m also amazed with how quick and efficient the fraud department is. Only once did they ever have to contact me and it was within minutes of the fraud happening. They immediately flagged the fraudulent purchase, refunded me, canceled my card and sent me a new card in the mail. I received my new card within three or four business days and was given a new digital card number immediately to use for any purchases I may have needed in the interim. The app is extremely easy to use and has been super helpful when trying to use my points for flights and other rewards. They also offer monthly point bonuses through the app and even an opportunity to have your rent paid for free through monthly contests.

what a frustrating experience Where do I begin...For a company that touts making rent easy to pay, all the hours I've spent going in circles has been anything but easy. From not making it easy to get my money back for a rent payment that didn't go through, to all my redirects to Wells Fargo (which just asked me to call Bilt Rewards), to chat bots that go nowhere, to email support that couldn't resolve my asks, to SMS text verifications for purchases that don't make it through to my phone even after calling support, I'm not sure what IS working about this business. I'd suggest the company spend less effort on sending flashy marketing emails to upsell me and resolving critical workflows for their basic value prop helping customers pay their rent. I rarely try new fin-tech services, and I must say, the frustration and disappointment experienced from this one makes me wary of trying others.

Bilt has been fantastic Bilt has been fantastic. By far my favorite credit card and I can’t recommend it enough!

Really terrible customer service Tried to book on their rewards site and get error, problem processing payment. Tried 5 different cards, then try only using points and get the same error. After calling, emailing, chatting, I finally had someone who was barely understandable, acknowledge the problem is on there end. And now it will take 3-5 business days for them to figure out why. Definitely will NOT be using this card anymore!! Avoid *** Update, August 25th still having the same issue as August 2nd. Bilt always responds to these bad reviews acting like they'll help, but when you email customer service NOTHING happens. What a joke of a company!!