Overview
- Community code scrapes and reporting indicate a three-card lineup at $0, $95, and $495 annual fees with distinct rewards and perks.
- Coverage cites a shift away from Wells Fargo toward Cardless and American Express as Bilt prepares the new portfolio.
- Leaked mechanics suggest rent and mortgage payments would no longer be truly fee-free, with transaction costs offset using earned Bilt Cash.
- Analyses of the leaks indicate cardholders may need roughly 75% of their rent amount in monthly non‑rent spend to avoid rent payment fees.
- Rumored features include 4% Bilt Cash on everyday purchases and tiered extras such as hotel credits and Priority Pass, with pre‑orders slated for Jan. 14 and a Feb. 7 launch subject to change.