181. Bilt Rewards: Card Options, Earning on Rent & Mortgage, and Program Updates
Points Talk®: Your Travel Dreams, Made Possible by Points
Alex, Pam and Jess
4.8 • 1K Ratings
🗓️ 19 May 2026
⏱️ 42 minutes
🧾️ Download transcript
Summary
What if you could earn rewards on your rent or even mortgage payments? In this episode, Alex, Jess, and Pam break down everything you need to know about Bilt Rewards, including the different card options, how to earn points, and how to redeem them. They also discuss how to decide if this program is worth it for you and how to choose the right card.
The Squad explains how you can earn points on rent, mortgage, and other everyday purchases, plus the various ways you can redeem them for travel and experiences. They also dive into the important distinction between Bilt Cash and Bilt Points, and how understanding this difference can help you make the most of your rewards.
You'll hear all about the most recent updates to Bilt Rewards, including new changes and features, its potential drawbacks, and how this program stacks up against others in the rewards space. Plus, the Squad shares tips for getting the most out of your Bilt points and maximizing their value.
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Transcript
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| 0:00.0 | Jess and I never had a bill card until this year. With the launch of Bill 2.0 and the ability to pay your mortgage with a credit card, we decided to dive in. |
| 0:09.0 | In this episode, we'll cover the three billed card options plus what we think so far after a few months of consistent usage. |
| 0:16.4 | Welcome to Points Talk. We are three moms who've discovered how to leverage credit card welcome offers to get hundreds of thousands of dollars of travel expenses for nearly free. |
| 0:26.5 | We've used credit card points of miles to take vacations to places like Hawaii, Paris, Greece, Maldives, Japan, and so much more. |
| 0:33.8 | And the best part? We each still have 800 plus credit scores. Imagine being able to take |
| 0:39.6 | the vacation of your dreams for nearly free. It's totally possible and we're here to show you how. |
| 0:47.6 | Hey, I'm Alex. And I'm Pam, Alex's mom. And I'm Jess. Let's Talk Points. |
| 1:00.1 | If you are watching this on video, you will notice a bandage on Pam's nose. |
| 1:03.1 | She did not get into a bar fight, everyone. |
| 1:04.6 | I just want to make that clear. |
| 1:07.7 | She had some skin cancer removed. So this is your reminder, wear your sunscreen and go see your dermatologist. Everybody |
| 1:12.2 | get those skin checks done. All right, but that is not why we're here today. We are here to talk |
| 1:17.6 | all about built. This is a very requested episode. We purposely wanted to wait a little while |
| 1:23.8 | and, you know, test out the built cards ourselves before we gave our final opinion |
| 1:30.8 | on things. So I will personally say that built 1.0 never appealed to me. I don't rent. I thought |
| 1:38.9 | the five transactions, every statement period, was an annoying hoop to have to jump through. I wasn't one of those people |
| 1:46.7 | that went and bought five bananas every month that the built team complained about. But when Bill 2.0 |
| 1:53.4 | launched with the ability to earn points on your rent or your mortgage, my ears perked up at that. |
| 2:00.0 | We're going to get into that a little bit later |
| 2:01.4 | in the episode. We are the first to say that they completely botched the rollout. We are not here |
| 2:06.5 | to compliment the rollout. We are here to compliment, you know, one of the cards that we all like. |
| 2:13.0 | So first we are going to discuss the three different built card options. So they went from having |
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