Bilt Technologies, Inc.Reviews of biltrewards.com

Bait and switch scam you should avoid at all costs

Bilt started with giving credit for rentel payment and earning points. From February 2026, the credit is completely removed and so effect on your credit score. And the points value is now negligible, 1000 points = $5.50. So, if you pay $2000 monthly rent, you earn $11. But annual card fee is $95. So, total annual benefit = 11x12 - 95 = $37. Bilt started in big ways but now 😩😩

Bilt Technologies failed to resolve a payment reversal issue properly and provided inadequate customer support. My apartment management company reversed the disputed payment and has confirmed multiple times that the issue is fully resolved on their end. Despite this, Bilt continues to refuse crediting my account or adjusting the balance accordingly. I have repeatedly tried to resolve this directly with Bilt, but the company has failed to offer a meaningful resolution or a clear explanation for why my account remains uncorrected. Making matters worse, Bilt does not provide access to a live customer service representative by phone. For a financial services company handling rent payments and consumer funds, lacking direct customer support is unacceptable and falls below standard industry practices. At this point, Bilt’s refusal to properly credit my account despite confirmation from the rental company seems unreasonable and has caused unnecessary financial stress and wasted time. I am requesting that Bilt immediately correct my account balance, send written confirmation of the resolution, and improve its customer support accessibility for consumers facing urgent financial issues.

I applied for the Bilt card based on the idea that I could pay rent, avoid the credit card fee, and still use it like a normal credit card with a billing cycle. That is not how it actually works, and this is not clearly explained. To avoid the fee, payments are processed as ACH (bank transfer), which means the money is withdrawn from your account almost immediately. There is no credit card float, no billing cycle, and no option to pay later. It behaves like a direct bank debit. If you try to use it as a true credit card, the fee applies—just like any other card. So the core idea many people assume (no fee + credit card timing) is simply not possible. This is the main issue: the product is marketed in a way that strongly suggests you can “use a credit card for rent without fees,” but it does not make it clear that avoiding the fee fundamentally changes how the payment works. In my case, I would have never applied for this card if that had been clearly stated. I could have just used my bank account directly in my rent portal and achieved the same payment behavior without opening a new credit line. Also, for users focused on American Airlines, it is important to know that Bilt points cannot be transferred to AAdvantage. This is another key limitation that is not obvious upfront. The product itself may work as designed, but the lack of clarity around its most important limitation leads to completely different expectations.

Absolute scam company. They switched card providers and didn't communicate well at all. Long-story short, my rent payment went to the old provider, therefore I couldn't pay my rent on my new card until I got my refund check back. This cost me $80 in interest. Bilt then said "Just call this number to get it waved". Upon doing so, there is no phone support available unless you pay a high annual fee for the Palladium card. What!? Here's the best part. You no longer get 1% on your Bilt card for rent payments. Now you basically have to ONLY use your Bilt card for EVERYTHING if you want to get the 1% on your rent payment. In my opinion, this company is a complete scam. I will be using all of my points and then closing my card.

These people suck. Their technology sucks. Their support sucks. All they are interested in is making money for landlords, and they are doing a terrible job at it.

Bilt rewards is not processing payments the way they should. They're causing problems for people. People are forced to use them to pay rent and they have nothing but issues with their website and processes. It's time the State and Federal level knows and looks at them.

I had a very stressful experience using Bilt for a mortgage payment. There was unclear communication, very delayed support, and confusion around payment status, which required multiple follow-ups and coordination with my bank. My account was restricted while the issue was still unresolved. This process was time-consuming and caused unnecessary stress. I would not feel confident using this service again for important financial transactions.