各位打算怎么完成Bilt SUB的$4000消费

玩卡 信用卡
42

刷ieee renewal试了半天都不行，去上了个厕所回来过了

cardless还是抽象

43

多交点车险

44

我在公寓充了 5 块钱刷过了，这是算能行吗？也不知道算不算 cash advance，我先还个 10 块钱吧 :yaoming:

IMG_0407.PNG
IMG_0407.PNG1320×2868 132 KB

1 个赞
45

这也不行？bilt改姓vanilla了吧。

46

如果每顿买菜做饭的话可能一月500都花不完（：:thinking:

47

terms里明确排除了return和dispute，但是不知道西南大法可不可以

48

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

4 个赞
49

这很多餐饮不都用这些么？

50

这是说PayPal， venmo也不行？

51

好在我没有这卡，看上去薅这卡的羊毛真的难受啊

52

这list真长啊，服了

1 个赞
53

想问问wx和支付宝算吗

54

还好我们不开这张卡 :yaoming:

55

Costco gift card.

1 个赞
56

有一种cashback网站上best buy的exclusion list的美

1 个赞
57

感觉这个list就是针对谭友们的奇技淫巧一网打尽了

1 个赞
58

亲测不走bilt交房租也会被bilt当做房租，之前开卡的时候这么交只有1x返点

59

那Sub的进度条动了么，也太坑了吧 :sweat_smile:

60

看了下來除了金條還有啥可以買的…

61

请问sub进度条在哪儿看啊？我这没看到