各位打算怎么完成Bilt SUB的$4000消费

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WTF，让ai解释了一下：

Summary of the Point Accelerator Exclusions

The text you pasted is the official list of transactions that do not earn bonus points when you activate a Bilt Point Accelerator.

I’ll break it down into clean categories so you can see exactly what’s allowed and what’s not.

1. You can redeem the Point Accelerator in the Bilt app

  • You activate it in Bilt Cash → Wallet tab (app or website).

  • Once activated, it boosts points on eligible purchases for a limited time.

2. Major categories that do not earn bonus points

A. Housing-related payments

These are fully excluded:

  • Rent

  • Mortgage

  • HOA dues

  • Utilities

  • Amenity fees

  • Any other housing-related fees

Even with the Point Accelerator active, these earn zero bonus points.

B. Tax-related payments

  • Federal, state, or local tax payments

  • Payments coded as tax services

C. Third‑party payment platforms & online marketplaces

This is the tricky part — and the one most people misunderstand.

The following do NOT earn bonus points:

1. Third‑party payment accounts

Anything where the merchant doesn’t charge your card directly, including:

  • Financial intermediaries

  • Payment processors that sit between you and the merchant

  • Platforms that consolidate multiple cards into one (e.g., Curve‑style products)

2. Digital wallets / mobile wallets

  • Normally excluded, but there is a special exception (see below).

3. Online marketplaces with multiple sellers

Examples:

  • Etsy

  • eBay

  • Amazon Marketplace (third‑party sellers)

  • Any platform where the merchant of record is not the actual seller

4. Mobile/wireless card readers

If the merchant uses:

  • Square

  • Clover Go

  • Toast mobile readers

  • Any portable card reader connected to Wi‑Fi or mobile networks

→ No bonus points.

D. BUT — Special Exception

Apple Pay and Google Pay ARE allowed.

The terms explicitly say:

“Notwithstanding the foregoing, transactions made using Apple Pay and Google Pay are not excluded.”

So even though digital wallets are normally excluded, Apple Pay and Google Pay DO earn bonus points under the Point Accelerator.

This is one of the few clean, user‑friendly parts of the policy.

E. Cash‑equivalent or quasi‑cash transactions

These never earn points:

  • ATM charges

  • Cash advances

  • Traveler’s checks

  • Money orders

  • Prepaid gift cards

  • Balance transfers

  • Wire transfers

  • Fees or interest

  • Gambling or casino gaming

  • Online bets/wagers

3. Practical interpretation (the part you actually care about)

Eligible for Point Accelerator

  • Normal retail purchases

  • Dining

  • Grocery

  • Gas

  • Travel

  • Subscriptions

  • Apple Pay / Google Pay transactions at real merchants

Not eligible

  • Rent/mortgage/HOA/utilities

  • Taxes

  • Payments routed through intermediaries

  • Marketplaces with third‑party sellers

  • Square/Stripe mobile reader merchants

  • Gift cards, cash‑equivalents, gambling

  • Any “merchant of record mismatch” scenario

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