Bilt 2.0 cards are now live — here’s how to activate your card and set up your account

Bilt Rewards cardholders, it’s activation day.

If you applied for the Bilt Palladium Card (see rates and fees), the Bilt Obsidian Card (see rates and fees) or the Bilt Blue Card (see rates and fees) by Feb. 1, you should have it in hand now.

If you haven’t applied for a new Bilt card yet, you can still apply for any of these cards now. However, Feb. 1 was the last date for those who held the Wells Fargo-backed Bilt Mastercard® to opt for a “seamless transfer” to one of the three new options.

The information for the Bilt Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

If you have your new card in hand, it’s now ready for you to start spending and racking up some points — but you have to activate it first.

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Not a member? Join Bilt Rewards now to start earning and redeeming Bilt Points.

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Here is what cardholders need to do now to activate their new Bilt card.

How to set up your Bilt 2.0 card account

Assuming you have your new card in hand, open your Bilt Rewards app or scan the QR code from the mail you received with the card.

Scanning this QR code takes you to the activation landing page.

If using the app, tap “Activate card” in the “Wallet” tab.

If you haven’t confirmed the bank account you wish to use for rent and mortgage payments yet, this will come up in the activation process. Remember, your housing payments will now be debited directly from your linked bank account via Automated Clearing House (ACH).

Previously, housing payments were made against your credit limit, but this has changed with Bilt 2.0.

Next, you’ll be prompted to place your phone on the back of your card to activate.

You can also select “Enter CVC instead” and choose to activate that way.

After following these steps, you’ll see a screen while your card details are being verified.

Once this process is complete (it took me just a couple of seconds), your card is officially activated. You should see a message confirming the activation.

You’ll also receive an email confirming the activation.

After your card is activated, Bilt will prompt you to add the card to your Apple Wallet.

Current cardholders on staff transitioning to the new card weren’t able to add their card to Apple Pay immediately. Bilt noted in an email that the transition could take some additional time.

However, new cardholders who were activating their first Bilt card had no problems setting up their cards for use in Apple Pay.

After activating your digital wallet, you’ll be asked to decide on your housing rewards structure. Your selection can be changed in the future, but to start, you can choose to earn 4% Bilt Cash on all purchases or earn up to 1.25 points per dollar spent on rent or mortgage (depending on how much you spend in nonhousing purchases each month).

You can learn more about the options for earning rewards on housing purchases here.

TPG tip: If you are spending a lot on the card in a hurry relative to your rent or mortgage payment amount because you are working to maximize your welcome offer, “Flexible Bilt Cash” may be a good earning selection to start.

That’s the last step to get it all started. Your new card should now be activated and should be ready for purchases.

You can expect to see the Bilt Cash from your welcome offer already in your account upon activation. Some Bilt Cash redemption options don’t come online until March, but there are some options available now if you want to start spending it right away.

TPG has already tried out using some Bilt Cash, redeeming $10 in Walgreens credit.

It showed up as a gift card ready for use in the app’s “Wallet” tab just a few minutes later.

Frequently asked questions

Here are some common questions that may pop up on activation day.

When will I receive TPG’s exclusive Bilt offer?

The TPG exclusive offer for eligible Bilt Palladium, Bilt Obsidian and Bilt Blue cardholders begins today, Feb. 7.

The offer was available for a very limited time for those who applied through TPG’s link on a TPG page advertising the exclusive offer during the qualifying period (noon EST on Jan. 14 through noon EST on Jan. 15) and provides 5 Bilt points per dollar spent on all eligible purchases for the first five days of card membership (up to 50,000 points; offer no longer available). The time frame for using that offer for eligible cardholders begins today and the last day to earn 5 points per dollar spent on your purchases with this offer is Feb. 12. Contact Bilt Support if your transactions aren’t earning the expected number of points.

TPG tip: Eligible cardholders should have received an email from Bilt confirming their enrollment for this 5x offer on Feb. 6. Those who think they are eligible but did not receive that email can contact support@biltrewards.com.

When will I earn my Bilt card’s welcome offer?

This depends on the card you selected.

• Bilt Palladium Card: Earn 50,000 Bilt points and Gold status after spending $4,000 on everyday purchases in the first three months of card membership. Plus, receive $300 of Bilt Cash when you apply and get approved.
• Bilt Obsidian Card: Receive $200 of Bilt Cash when you apply and get approved.
• Bilt Blue Card: Receive $100 of Bilt Cash when you apply and get approved.

If you selected the Bilt Palladium, your three-month period to meet the spending requirement begins today, Feb. 7. The Bilt Cash portion of these offers should be available and ready to spend as soon as the card is activated. Keep in mind that only $100 of Bilt Cash will roll over each year.

What if I didn’t transition to a new Bilt card?

The Wells Fargo-backed Bilt Mastercard stopped working Feb. 6, which was also the last day you could service that specific card through your Bilt account.

If you didn’t select a new Bilt 2.0 card or close your Wells Fargo account, your Bilt Mastercard was transitioned into a no-annual-fee Wells Fargo Autograph® Card (see rates and fees).

To learn more about this card, read our full review of the Wells Fargo Autograph.

If you have more Bilt 1.0 to Bilt 2.0 transition questions, head to this FAQ.

Bottom line

The three new Bilt cards should now be ready for purchases as soon as you activate them. With exceptionally valuable Bilt points ready to be earned, it’s a big day for cardholders.

To learn more about the new Bilt cards, read our full reviews of the Bilt Palladium, the Bilt Obsidian and the Bilt Blue.

Related: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered

Disclaimer : This story is auto aggregated by a computer programme and has not been created or edited by DOWNTHENEWS. Publisher: thepointsguy.com