BILT has totally changed the game for renters! As soon as I heard about getting points for paying rent that can be used towards travel, i had to jump in. It was a no brainer! The app makes it very easy to sign up for the BILT rewards credit card. Once you receive your card, the process/instructions to setup the rent payment is very easy and all the info is right in the app. Points are updated as transactions are posted which is great compared to other companies where you don’t see your points for months! The app has cool blog posts on travel ideas and BILT as a company just makes it a fun experience being using the card. Few feedback points for the app. I wish it would sync more with the Wells Fargo features directly in the BILT app. To see statements, set up payment for the card, view billing cycles, instant transaction notifications, card settings, etc. all need to be done via the Wells Fargo account. I know WF is their payment processor but some better integration with the BILT app for these features would be nice. Setting up the Wells Fargo end of the card required some work and isn’t as straightforward but hoping this improves over time. Overall love the BILT card, love their support, and love the insta challenges they have to keep it fun and interesting. Getting points for rent is great! Thanks BILT!

I’m leaving my previous review below because people deserve to see that you had a security breach. But now I’m complaining about the fact that the pay feature is no longer there. I need to pay my rent. I do not wait for auto withdrawal. The button is now not there anymore. And I don’t see my points. It looks as if built erased all of my points.My apartment management , forced all renters to use the BILT app to make our payments. Making my payment through my Apartment Website before BILT was perfectly fine and nothing happened to my information or my payments. Within two months of being forced to use this BILT app, BILT sent out a notification, and so did my apartment office, stating that there was a security breach with the company BILT. This is absolutely ridiculous, when considering the fact that both the apartment management and BILT itself touted itself on its protective measures of our security and within two months, all of us were compromised and we were forced into the situation. On top of that, if I make a payment to my rent before the auto pay withdraws then I still get a text message and an email stating that there was a problem processing my payments. Yes, of course there’s a problem processing my payment because you are not allowed to take my rent money twice within one month. Fix your app! Fix your company! I would give no stars instead of one if I could.

Initially, my experience was a nightmare. I nearly canceled my card due to the hours-long wait for a live representative, as I could only communicate with AI. I believe this is the direction all credit cards are heading. While AI isn't entirely bad, I still really dislike the overall experience. The card itself has been beneficial. However, some aspects are quite difficult to comprehend and navigate, and if you're looking for an immediate response, you won't receive it. I still rate it five stars because they may have improved the value you get for the money you spend, something I still find confusing. For instance, I have a $500 credit limit, but since I don't plan to use it, it will eventually expire. At some point, I will stop using this card, and all the points will expire instead of being applied towards my mortgage and payments. They will deduct the points. It's still worthwhile, and I still give it five stars, but be ready to feel frustrated with the representative who can't answer your questions and the long wait for assistance, which might not even be helpful, with no phone call option available.

This Credit Card is good if you only plan to pay your rent. Even that’s mediocre at best. 2 huge problems with this card, firstly the conversion rate for the reward points is low. Just about any Credit Card out there with a 1% cash back rate out paces this card buy .25% or more. So even though you get rewards for rent you can math it out and cover any fees just by the extra % on cash back with literally any card on the market. Secondly the limit is way too low. Just enough to cover a single rent charge but forget about anything else which makes it practically unusable for the everyday spend or the rewards. Twice I’ve attempted to get an increase and twice I was denied. This is fine by me cause I don’t carry a balance anyway but for anyone that wants to use this as an actual credit card well good luck to you. I understand why Wells Fargo reports a loss of $10M per month on this card. If people are basically forced to pay off the balance each month revenue from interest is non existent. That is much better for the consumer however a terrible business model.Now for the app review. It’s like a rollercoaster of unattainable random stuff. The interface changes every 3 days and becomes very confusing to even use for simple things like checking your balance. They advertise soooo many perks and ways to use your rewards but what I’ve found is that you have to choose. Use the card for rewards OR for rent. Unfortunately credit limit restraints don’t allow for both. At least not for me.