Effective today, Wells Fargo has released their latest card offering and the application link is open to the general public. The BILT card was first discussed last summer in My FICO news links and until now, it had been available by invitation-only with a partnership through Evolve Bank and Trust. From my understanding, the card program has changed somewhat since the original offering since year.
When you make 5 transactions that post each statement period, you'll earn:
- 1X points on rent with no payment processing fee up to 50,000 points each calendar year
- 2X points on travel
- 3X points on dining
- 1X points on other purchases
- $0 Annual Fee
- World Elite Mastercard program benefits
Wells Fargo credit card applications
I "found" this while checking Wells Fargo's website for new cards since they are refreshing their card offerings. While this isn't a card that fits my needs, I thought some of our other members on My Fico would be interested in discussing and applying for it.
You beat me to making this post by two minutes lol! Thanks for making it. 
I wonder if product change is an option to this card?...
DP: I'll probably honestly apply now and use it for cell protection because it's AMAZING. According to the Bilt site:
"Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800."
$1,600 A YEAR, WOOOOO!!!! What other $0 af cards have that??
I got tempted by the transfer partners -- particularly AA and Hyatt, but the only category that would work or be an improvement for me is dining at 3x.
I'm gonna keep an eye on this card in case they make some changes.
Still don't get how Citi can't make a deal to add AA as a permanent partner 
@Rockysocks wrote:You beat me to making this post by two minutes lol! Thanks for making it.
DP: I'll probably honestly apply now and use it for cell protection because it's AMAZING. According to the Bilt site:
"Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800."
$1,600 A YEAR, WOOOOO!!!! What other $0 af cards have that??
On the other hand:
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of
physical damage, are not covered under this program.
On the plus side though, I don't see the usual language about not covering "cosmetic" damage, which includes large cracks that doesn't prevent the phone from making and receiving calls (And making calls is at least 99% of what we use smartphones for! )
@Anonymous wrote:
@Rockysocks wrote:You beat me to making this post by two minutes lol! Thanks for making it.
DP: I'll probably honestly apply now and use it for cell protection because it's AMAZING. According to the Bilt site:
"Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800."
$1,600 A YEAR, WOOOOO!!!! What other $0 af cards have that??
On the other hand:
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of
physical damage, are not covered under this program.
On the plus side though, I don't see the usual language about not covering "cosmetic" damage, which includes large cracks that doesn't prevent the phone from making and receiving calls (And making calls is at least 99% of what we use smartphones for! )
What is not covered?
This benefit will not provide reimbursement for the following:
• Cell phone accessories other than standard battery and/or standard antenna provided by the manufacturer
• Cell phones purchased for resale, professional, or commercial use
• Cell phones that are lost or “mysteriously disappear,” meaning that the phone vanished in an unexplained manner
without evidence of a wrongful act by a person or persons
• Cell phones under the care and control of a common carrier (including, but not limited to, the U.S. Postal Service,
airplanes, or delivery service)
• Cell phones stolen from baggage unless hand-carried and under Your personal supervision, or under supervision
of Your traveling companion
• Cell phones which have been rented, borrowed or are part of prepaid or “pay as you go” type plans
• Cosmetic damage to the cell phone or damage that does not impact the cell phone’s capabilities and
functionalities
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to,
war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities,
normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects
• Damage or theft resulting from misdelivery or voluntary parting with the cell phone
• Taxes, delivery and transportation charges, and any fees associated with the cellular wireless service provider
• Losses caused by or resulting from a Cyber Incident
The exclusion is there. It's just concealed under many layers of weaselese.
Start on the WF homepage.
Follow the link to the Bilt website.
Click + to expand Cell Phone Protection.
Click the link to footnote 7.
Follow the link back to Wells Fargo and download the PDF.
Look near the bottom of page 2.
@wasCB14 wrote:
@Anonymous wrote:
@Rockysocks wrote:You beat me to making this post by two minutes lol! Thanks for making it.
DP: I'll probably honestly apply now and use it for cell protection because it's AMAZING. According to the Bilt site:
"Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800."
$1,600 A YEAR, WOOOOO!!!! What other $0 af cards have that??
On the other hand:
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of
physical damage, are not covered under this program.
On the plus side though, I don't see the usual language about not covering "cosmetic" damage, which includes large cracks that doesn't prevent the phone from making and receiving calls (And making calls is at least 99% of what we use smartphones for! )
What is not covered?
This benefit will not provide reimbursement for the following:
• Cell phone accessories other than standard battery and/or standard antenna provided by the manufacturer
• Cell phones purchased for resale, professional, or commercial use
• Cell phones that are lost or “mysteriously disappear,” meaning that the phone vanished in an unexplained manner
without evidence of a wrongful act by a person or persons
• Cell phones under the care and control of a common carrier (including, but not limited to, the U.S. Postal Service,
airplanes, or delivery service)
• Cell phones stolen from baggage unless hand-carried and under Your personal supervision, or under supervision
of Your traveling companion
• Cell phones which have been rented, borrowed or are part of prepaid or “pay as you go” type plans
• Cosmetic damage to the cell phone or damage that does not impact the cell phone’s capabilities and
functionalities
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to,
war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities,
normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects
• Damage or theft resulting from misdelivery or voluntary parting with the cell phone
• Taxes, delivery and transportation charges, and any fees associated with the cellular wireless service provider
• Losses caused by or resulting from a Cyber Incident
The exclusion is there. It's just concealed under many layers of weaselese.
Start on the WF homepage.
Follow the link to the Bilt website.
Click + to expand Cell Phone Protection.
Click the link to footnote 7.
Follow the link back to Wells Fargo and download the PDF.
Look near the bottom of page 2.
OK, so that (except it doesn't specify that calls are all that has to work) plus the electronic exclusion suggests the coverage could be rather narrow
@Anonymous wrote:
@wasCB14 wrote:
@Anonymous wrote:
@Rockysocks wrote:You beat me to making this post by two minutes lol! Thanks for making it.
DP: I'll probably honestly apply now and use it for cell protection because it's AMAZING. According to the Bilt site:
"Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800."
$1,600 A YEAR, WOOOOO!!!! What other $0 af cards have that??
On the other hand:
Note: Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of
physical damage, are not covered under this program.
On the plus side though, I don't see the usual language about not covering "cosmetic" damage, which includes large cracks that doesn't prevent the phone from making and receiving calls (And making calls is at least 99% of what we use smartphones for! )
What is not covered?
This benefit will not provide reimbursement for the following:
• Cell phone accessories other than standard battery and/or standard antenna provided by the manufacturer
• Cell phones purchased for resale, professional, or commercial use
• Cell phones that are lost or “mysteriously disappear,” meaning that the phone vanished in an unexplained manner
without evidence of a wrongful act by a person or persons
• Cell phones under the care and control of a common carrier (including, but not limited to, the U.S. Postal Service,
airplanes, or delivery service)
• Cell phones stolen from baggage unless hand-carried and under Your personal supervision, or under supervision
of Your traveling companion
• Cell phones which have been rented, borrowed or are part of prepaid or “pay as you go” type plans
• Cosmetic damage to the cell phone or damage that does not impact the cell phone’s capabilities and
functionalities
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to,
war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities,
normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects
• Damage or theft resulting from misdelivery or voluntary parting with the cell phone
• Taxes, delivery and transportation charges, and any fees associated with the cellular wireless service provider
• Losses caused by or resulting from a Cyber Incident
The exclusion is there. It's just concealed under many layers of weaselese.
Start on the WF homepage.
Follow the link to the Bilt website.
Click + to expand Cell Phone Protection.
Click the link to footnote 7.
Follow the link back to Wells Fargo and download the PDF.
Look near the bottom of page 2.
OK, so that (except it doesn't specify that calls are all that has to work) plus the electronic exclusion suggests the coverage could be rather narrow
I just read about this card and have a lot of questions.
E.g.,
1. How does it work when the landlord does accept credit card payments but charges a processing fee?
2. How does it work with a small landlord who doesn't accept credit card payments?
