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Who Really Issues the New Bilt Card? The Four-Company Stack Behind Bilt Card 2.0

by Gary Leff on January 23, 2026

Jan 23 2026

The new Bilt Card doesn’t work like a normal Chase or Amex product where one bank issues, services, funds, and owns the economics end-to-end. Bilt Card 2.0 is a split stack: Column is the bank and lender of record, Cardless runs servicing and the tech layer, Fidem (and its capital partners) fund receivables, and Bilt provides the rewards program—on Mastercard rails. Once you see the roles, the money flows (interchange, interest, and who gets paid for what) make a lot more sense.

Bilt Caps Credit Card Interest at 10% for a Year—Why a Bank Can Do It And Washington Can’t

by Gary Leff on January 14, 2026

Jan 14 2026

Bilt just announced it will cap interest on new purchases at 10% for the first year on its new credit cards—a savvy teaser rate that also echoes a much bigger political idea. It’s a tactic banks can afford in a narrow, time-limited way, but a nationwide 10% cap would shrink credit, jack up fees, and gut rewards.

Bilt Unveils 3 New Credit Cards: Unlimited Rent and Mortgage Points—Plus 4% Back in Bilt Cash

by Gary Leff on January 14, 2026

Jan 14 2026

Bilt has revealed three new credit cards replacing its Wells Fargo product, adding unlimited points on rent and mortgages and 4% back in Bilt Cash on all cards. They look genuinely strong—but the details (pricing tiers, credits, and how the new “free” rent/mortgage math works) take a minute to unpack.

Bilt 2.0 Details Are Leaking Ahead of Next Week’s Launch—Three Cards, New Fees, New Rules

by Gary Leff on January 7, 2026

Jan 07 2026

Bilt will unveil a refreshed card lineup next week, but details are already leaking—including a three-card structure and new annual fees. The biggest change may be how “fee-free” rent and mortgage payments work: the perk appears to become conditional on enough non-rent spending (or offset with Bilt Cash), which radically changes the math for how you use the card.

Bilt Card 2.0: Investor Sketches The Playbook—Weeks Before January 14 Reveal

by Gary Leff on December 29, 2025

Dec 29 2025

A self-described Bilt investor is out with an unverified preview of what Bilt Card 2.0 could look like when the new Cardless-issued lineup is unveiled January 14, including rumors about how earning might change, whether benefits depend on Bilt status, and if the current five-transactions rule could be replaced by a minimum monthly spend requirement.

Bilt Card 2.0 Transition Plan Is Here — The Rules And Deadlines Every Cardholder Needs Before January 14

by Gary Leff on December 27, 2025

Dec 27 2025

Bilt Card 2.0 is finally moving forward, and the most important details are not the new perks — it is the transition rules and deadlines that determine what happens to your account. Here is what current cardholders need to know before January 14 to keep the upgrade seamless, avoid a hard credit pull, and understand what you get if you do nothing.

Bilt Now Shows When Airfare Is Truly Booked Direct — So You Can Earn Extra Points And Still Call The Airline For Changes

by Gary Leff on December 3, 2025

Dec 03 2025

Bilt has upgraded its travel portal to clearly show when an airfare booking is truly made directly with the airline. That means you can earn an extra Bilt point per dollar on the ticket, still put the charge on any card you choose, and—crucially—handle changes or rebooking with the airline instead of a third-party site. For anyone who values both rewards and control over their reservation, this is a real advantage.

Airfare Strategy Is Changing Fast — You Can Now Double-Dip A Travel Portal And Out-Earn Booking Direct With Your Best Card

by Gary Leff on November 17, 2025

Nov 17 2025

Most travelers book airfare direct to keep earning bonuses on their card of choice. But some travel portals now pass through airline merchant coding and add their own points on top, letting you double-dip rewards and still get the protections and earnings your premium card offers. For many flyers, that makes portal booking more lucrative than buying straight from the airline.

Rakuten Points Can Now Be Converted to Bilt — Turn Online Shopping Into The Most Valuable Rewards Currency

by Gary Leff on November 6, 2025

Nov 06 2025

Rakuten now lets you earn Bilt points instead of cash back — and for six months, every $1 of Rakuten rewards equals 100 Bilt points. That means everyday online shopping can now generate one of the most valuable points currencies in travel, especially when paired with Bilt’s frequent transfer bonuses.

Bilt Card 2.0 Transition Revealed — Three New Versions, Points For Mortgages, No Hard Pull For Current Cardmembers

by Gary Leff on November 5, 2025

Nov 05 2025

Bilt Card 2.0 is nearly here. The transition to Cardless brings three new versions — no-fee, $95, and $495 — all earning points on mortgage payments. Current members can choose their new card with no hard credit pull ahead of the February 7 rollout.