https://newsroom.biltrewards.com/2027-bilt-program-updates

From https://www.nerdwallet.com/travel/news/bilt-improves-bilt-cash:

• 4% Bilt Cash on card spend is going away unless you opt-out to the change by your cardholder anniversary, leaving only the "up to 1.25x" option. (Bilt Cash as a whole is not going away)
• Bilt Cash will last longer. Moving to 12-month expiry, replacing Dec. 31 expiration with $100 rollover. You'll find your Bilt Cash expiration date in the app.
• Hotel credits issued as Bilt Cash. In 2027, hotel credits will be issued as Bilt Cash on your cardholder anniversary (replacing Jan 1).
• Product changes are finally available, both card upgrades and downgrades. Upgrade in the Bilt app or downgrade by calling customer service.
• Points redemptions on Home Away from Home, along with FHR-like benefits on 2-night stays, are coming for Bilt Gold and Platinum members. Could be a solid deal @ 1.25 cpp through the portal.
• Elite members get new perks. New status match for Hertz and Sixt.
• Daily Rewards is launching. Each qualifying housing payment and neighborhood activities will unlock rewards and chances to win larger prizes.

Annual fee - $99 to $150
Walmart+ included
Global Entry/Precheck credit
$100 inflight purchase credit
Travel protection
Revised earning structure

Press Release

Wanted to share my data point as reading others helped me.

I applied at 0/6 0/12 4/24. Wanted to wait until I was 3/24, but alas. Was not pre-qualified but I went ahead and applied. Received "need more time" response.

They pulled Experian only.

About 4 business days later I received a letter asking for income verification through paystubs. I sent those in and 2 business days letter received an email approving me..

I had no previous relationship, but strong credit scores and decent income. I was worried about the 4/24 as I was denied back in July by Amex for too many revolving accounts in the past 24 months and I know Wells Fargo can be strict. So glad to get this card!

I am building credit after hard times (615 fico) and now do well making about 500K a year. CapOne gave me a Venture and extended my credit limit to 7K.
Now they are offering me the Quicksilver. I don’t know how much credit they would extend me, but my bigger question is:
If I open an additional card, will it hurt or help my credit score? Any thoughts?

Hello! I was looking to get a 2% cash back card and saw that Wells Fargo active cash was seemingly the most popular one due to its 200 dollar SUB. Unfortunately I think it got lowered to 100 recently which I didn’t realize. I need a catch all card and saw that Chase freedom unlimited is a 1.5% credit card that provides the same 200 dollar bonus active cash used to. I currently only have 1% standard cash back cards so it would be an improvement. Which card do you think makes more sense in the long run for a recent graduate?

I have the Chase Sapphire Preferred and received the welcome bonus for it about 3 years ago, I am now interested in the Chase Saphhire Reserve and I want to make sure I am eligible for the welcome bonus.

I went to a Chase branch and was told that I wouldn't be eligible for the CSR welcome bonus because I had a CSP welcome bonus but I am reading different posts online that seems to be incorrect.

I called Chase and they told me to download my CSP then apply for the CSR, I am just looking for different data points of people with CSP and was able to get the CSR and its welcome bonus.

Hey everyone! Posted here a few times.

My current goal is to switch from my quicksilver and savor cards to the double cash and strata premier. i primarily fly american which is the reason for the switch.

double cash bc more points than quick silver and strata to replace the savor (seems better overall)

the last card i got was in january this year, the aadvantage platinum card for the 80k sign up bonus.

should / can i apply to get both the double cash and strata at the same time (back to back) or should i space it out (a few months)

I don't have plans to take any loans out anytime soon so credit score is fine to take a hit for the applications. I'm sure it'll bounce back semi quickly once the aadvantage hits 1 year and also if i get 2 cards, all that extra credit limit is going to keep my usage way low.

thoughts?

EDIT: Suggestions on what to do with the cards i'll no longer use as much if at all? Thanks!

Apologies in advance if this has been asked before. My Barclays Aviator Red was automatically converted to a Citi AA Platinum Select. I'm looking to apply for a new Citi AA card for the sign-up bonus. Does this forced conversion lock me out of the Platinum Select SUB for the next 48 months?

If I canceled or downgraded my existing Citi AA card, would that have changed anything?

Thanks!

I recently applied for a CLI on my Smartly V1. Was denied, however the letter used a TransUnion FICO Score 10 - which was much higher than my TURD score. The only stated reason for the decision was "Account is currently past due". While this raises another issue - past due is factually incorrect - it's nevertheless notable that they use a new scoring method.

I see posts that people are able to get their second summit card approved with SUB so was trying to apply for a second Summit Card but get denied.

Some background info: I opened the Ascent card 3 years ago before they change the name of the card. Reapplied and got the second Ascent card thru web earlier this year, approval immediately, and got the second SUB. Downgraded the first Ascend to cash award.

I opened the Summit card and BOA checking account last Sept and have got the 100k companion award. Applied on Oct 25 for the second Summit thru web and got rejected right away. Tried to apply again thru phone and got rejected again. No clear reason was provided.

Credit score 750.

we had over $1,300 during the last six months from recurring charges on a costco citi bank card that we did not sign up for. you may wish to check your records for the following payees:

Ai Hypnopixelscom + Ee Ai Hypnopixelscom Tallinn Ee Reface Reface.ai Redwood City Ca Reface.ai Styles Perfect-ai-hade Sgvcoin App Las Vegas Nv

I’m looking to update as I have had my Discover card for about 12 years out of college and I’ve had my Chase unlimited freedom card for about five years but I feel like I’m severely lacking in opportunities for what I’m already spending.

Looking for a zero dollar annual fee card that gives good rewards for other things that are important in life or just covers everything altogether so that I feel like I’m getting the bang for my buck. No foreign transaction fee would be a nice plus but it’s not gonna be a complete dealbreaker.

I was looking into the Fidelity 2% card because I figured that would be a great way to get 2% on everything without even having to think about it and it can go towards building in my Fidelity brokerage accounts as I’m getting better with investing. What are the thoughts about this compared to something like the Wells Fargo 2% card or Citi 2% card?
Make about $112k, 820 credit score, no high interest, debt, own my home. So I figured I should be pretty well qualified to make sure I don’t get stuck with a low limit or anything.

• Plus: Earn 80,000 points after you spend $1,000 on purchases in the first 3 months of account opening.
• Premier: Earn 85,000 points after you spend $2,000 on purchases in the first 3 months of account opening.
• Priority: Earn 90,000 points after you spend $3,000 on purchases in the first 3 months of account opening.
  

Good for Companion Pass

https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/

Anyone else having issues getting the Paypal debit card 5% grocery rewards with Walmart purchases ? I only started having issues a couple of weeks ago. Had been receiving the rewards fine before that. Some of the purchases get it---but others don't. I've had to call Paypal a couple of times to have them add them (pain in the butt)

hi all!
i have the chase sapphire preferred and the capital one venture x. looking to get a cash back card / build an ecosystem. should i get the chase freedom unlimited (or flex) or the capital one savorone? any suggestions / advice very appreciated!!! thanks :)

Hey everyone, I’m new to quite literally almost everything but I’m passionate about finance. All that to say I just got my ssn maybe 3-4 days ago. I applied for a discover student card because I’m a student, I’m in my junior year, I put 45k in the “how much I make a year part”… if that makes a difference. In my denial letter I was told “Serious delinquency, Proportion of balances to credit limits is too high on bank revolving or other revolving accounts, Number of accounts with delinquency, Length of time revolving accounts have been established.” My credit score was 465…I thought I was supposed to start at 0 so I’m confused, also in the letter it was said that the source was equifax but when I called they said they had nothing in their database about me. As for trans union and experian; I looked up my information on both their websites and found nothing, any advice ? Help please 🫩

I just got gifted a $100 MasterCard "E-Gift Card" through Amazon and have no idea how to use it. After adding it to my Google Wallet, it just shows up with a barcode/number (same length as normal cards) and PIN. The issue is that there's no expiration date, so I can't enter it into 99% of online sites, and it doesn't show up in my list of cards for things that accept GPay.

Is there any way I can use this to get an actual physical card, or transfer it to my bank in any way? Or at least use it??

Hello,

Recently received offer for chase sapphire preferred 100k SUB. Never had a chase card, wondering if ithe points are worth it, with no experience in their ecosystem.

Currently have
- AMEX Gold (standard card)
-AMEX Plat (Got just for SUB, will close in 6 months)
-cash back card that has my longest credit history

Also just curious if it’s worth it to sign up with the hard credit inquiry, then close the card etc. don’t want to be mindlessly points chasing. I’m also aware of the AF, and it’s not a concern

AmEX Blue Cash Rewards Card application process was complete. They requested information from the bank. We supplied it, however, they said the Bank Officer job title was not printed on the letter, it was only hand written. I thought that was insane. After providing other forms of information, such as the colors of our previous cars, and a selfie, they finally said ok. It was exhausting for my age. In addition, we never spoke to an American on the phone and we had numerouse prompt phone calls to address any request they had. I sure hope the 6% is worth it. I once had a Platinum card when I traveled alot and used the points and customer serivce alot. They were always responsive and exceptional. Do you Gentlemen have a similar experience with the Amex Blue Cash and have you enjoyed the card?

Anybody do this? I know Monarch, Rocket Money or whatever are generally considered budgeting apps, but I'm wondering if anybody uses it to track their CC category spending.

Applied for Platinum Select card yesterday. Was pre approved for 80k sub. Continued my application and was emailed to say they are processing my application. They have to review it and will get back to me within 7-10 days. About 20 minutes they hard pulled my credit but my application is still pending. Anyone have experience with this?

Hello! I am looking to get another credit card (the only one I have is the Discover Revolving 5% cashback card), and I want to use it for travel. I am currently 22 and want to explore other options for a credit card. I looked into the Chase Sapphire because I've heard it's one of the best, but I can't spend 5k in 3 months to get the welcome bonus and don't feel it is a great card for me at this time.

Does anyone know of any cards that provide travel benefits like flight miles or even hotels? I don't mind an annual fee as long as I can justify it by bonuses, benefits, etc.

Thank you!

I recently got my first credit card and would appreciate any tips for achieving a high credit score; essentially, I need guidance on how to manage my credit limit of $300. I have plenty of money in checking and savings, and I make a decent amount, so getting caught up in debt isn't a concern. My APR is roughly 29%, and I am honestly just looking to see how I should differentiate when I should put something on my credit vs. debit card. For instance, it's a cash back, and if I'm able to get a 5% back on said purchase, I'll obviously put it on there, but when should I pay my credit card right after I use it or when any starter is appreciated? When should i get a second card? when will my CLI I read about 6 months on another post is that true?