Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
Bilt is transition from XXXX XXXX to an unknown bank and the rollout has been a mess. But they have so far also not honored what they were advertising as per below copies of their website. They clearly noted that this new " BiltCash '' will be automatically credited upon opening of account. I was approved in XXXX XXXX and did not see the BiltCash applied. The reason why this matters, is because as part of the benefits to offset premum {$490.00} annual fee, they have advertised the ability to take that BiltCash and multiple bonus arrangements such as point transfers to airlines and hotels .. those types of travel arrangements is why one has this card. Upon inquiry, they said it will only be credited on XX/XX/XXXX. 

Their marketing partner, for which they created a special points promo noted it as " upon approval ''. 
Additionally, cardholders receive {$300.00} in Bilt Cash upon approval and {$200.00} in additional annual Bilt Cash. 

So from various sources I should have received it already. Instead they updated the website and issued a fraction of the points as courtesy. 

My request is that they are made to honor what they have been advertising. Which is the BiltCash I was supposed to have had on XX/XX/XXXX, to be applied to my point transfer on XX/XX/XXXX with XXXXXXXX XXXX as per below. Thank you. 






On Sun, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX : Hi, I signed up for palladium many days ago, but don't see my bilt bonus cash that I was expecting. I did so because and need to use it for point transfer bonus today. Please advise, thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Bilt Rewards XXXX wrote : Hey XXXX, We appreciate your patience. 

You will be able to see Bilt cash available on XX/XX/XXXX once you receive and confirm your new card. 

If you have any additional questions, please reach back out. 
Thank you, XXXX Bilt Rewards Support BILT Rewards XXXX  [ XXXX ] On XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : XXXX deduct the {$75.00} bilt cash from the late receipt of the Biltcash and apply the 0.25 % multiplier to the XXXX points that I have been asking for. Your website says also that the BILT Cash is automatically credited upon account opening, which I did a week or XXXX ago. 



XXXX XXXX XXXXXXXX When do I receive my annual Bilt Cash benefits? 

If you hold the XXXX XXXX, youll receive an annual Bilt Cash bonus as part of your benefits. This bonus is automatically credited to your Bilt account upon account opening XXXX XXXX XXXX XXXX This page could not be found. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXX, XXXX Subject : Pls let me know where is my Bilt cash To : Bilt Rewards XXXX Hi, I signed up for palladium many days ago, but don't see my bilt bonus cash that I was expecting. I did so because and need to use it for point transfer bonus today. Please advise, thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Dear XXXX, I am in general a fan of BILT and wish you guys the best and to success. I appreciate updating the BILT website after my email to you to say " Your annual {$200.00} Bilt Cash benefit is automatically credited to your Bilt account upon card approval. If you were approved before XX/XX/XXXX, you will receive it on XX/XX/XXXX. For subsequent years, you'll receive it on XX/XX/XXXX of each calendar year. Bilt '' for the folks who sign up for the card. However, for anyone before, this is a category of violation in the XXXX XXXX XXXX or at the FTC if you don't honor what you very clearly advertised. 

I assume you guys don't want to get into financial services violations and on top of that another wave of XXXX off customers and loose more people. So whether XXXX you are real or an AI, please escalate this to the right person so that you guys honor what you very clearly advertised. You are welcome for helping to highlight clear marketing and disclaimers for you.. 

I am awaiting today your answer on adding in XXXX ALL points to my account for the {$75.00} BiltCash that I was to get on approval many days ago. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bilt Rewards XXXX wrote : Hey XXXX, We appreciate your patience. 

We can see that you've been waiting for your Palladium welcome bonus Bilt Cash to post so you could use it for the transfer bonus on your XXXX points conversion, and the timing hasn't worked in your favor. 

Bilt cash will not be issues until XX/XX/XXXX which is the day you can activate your Palladium card. This is the official launch date of this card and unfortunately can not be used towards the current rent day promotion. 

Once your {$300.00} Bilt Cash posts on XX/XX/XXXX, you'll have the full amount available for future transfers and other redemptions. As a XXXX time courtesy we have gone ahead and added XXXX points to your account as a gesture of goodwill. 

If you have any additional questions, please reach back out. 


Thank you, XXXX Bilt Rewards Support BILT Rewards bilt.com [ XXXX ]

Company response to consumer: Closed with explanation