topic Bilt card experiences? in Credit Cards

Bilt card experiences?

heyryan — Sat, 14 Feb 2026 23:44:07 GMT

I've had a lot of issues with declined purchases with no notifications, and wanted to see if anyone else was having this issue with them? It's all been with online purchases, which is 90% of what I'd use it for. I appreciate the fraud prevention measures, but it's been really frustrating to not have a way to say "yes it's me, please approve."

Re: Bilt card experiences?

Cookiedough — Sun, 15 Feb 2026 03:38:34 GMT

I had no luck with neighborhood dining cashback redemption. I tried two places which were indicated on the Bilt map as participants in the cash redemption program, but there was no mobile checkout available, nor did employees know about Bilt cash.
Customer support is nonexistent as well. I've been waiting for someone to get back to me for 2 days now.
I haven't tried ordering anything online yet. So far, I only had experience with paying for a hotel booking, and it went well.

Re: Bilt card experiences?

imaximous — Sun, 15 Feb 2026 21:07:52 GMT

Luckily, I've had no issues whatsoever with Bilt 2.0. I signed up late for TPG's 5x offer and still got it. I charged nearly $10k during the 5-day promotion period. Many of those purchases were online and a few others with Apple Pay. A couple of charges were over $3k and didn't even get a notification or verification text/email. I do keep reading about different issues with it, but so far the only issue I'm having is with the delayed AU card I requested. I got an email saying they're behind on sending cards out.

Re: Bilt card experiences?

odd_dog — Mon, 16 Feb 2026 15:08:17 GMT

So far so good, I got the TPG 5x bonus on obsidian and am NOT touching the mortgage payment until I feel they know what they are doing....so I cashed in my 200 bilt points as a points accelerator and luckily Target is a grocery store so points are nice....will ride for a year and see how all turns out....