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As we wrap up what has been a transformational 2024, I wanted to share a preview of what's ahead for Bilt in 2025 and answer one of the most common questions I hear from members: How does Bilt's business work, and how are we able to provide such valuable rewards and benefits? While our award-winning cobrand credit card has received much attention, it remains just one part of our business. Bilt's foundation is actually built on three robust and interconnected businesses that together form the largest housing rewards platform in the country. Through our platform, you can earn rewards on rent payments regardless of how you pay - whether by bank account, debit card, or credit card. You get access to exclusive neighborhood benefits and can now earn rewards at every step of your housing journey, from signing a new lease to buying your first home. I'm excited to walk you through each of these businesses and show you how we're working to create more value on your biggest everyday expenses in the year ahead. Keep reading to learn more or explore relevant slides here. 1. Rewarding You on Rent (...and Mortgage) Payments This is where our story began – creating the first platform that rewarded members for rent payments, while helping them boost their credit history with every on-time payment. Today, we're the largest reporter of on-time rent payments to the credit bureaus - a benefit we offer for free. We’ve issued tens of billions of points to members for rent payments, and we’ve rewarded millions of members with limited-time Rent Day benefits like complimentary elite status on airlines and hotels, complimentary rideshare credits, and more. In our first two years, the Bilt Mastercard gave us a bridge to rewarding customers on rent payments while we built something much bigger: a payments platform that rewards members regardless of how they pay rent. Today, around 15% of our members have our cobrand card, while the vast majority of our members join Bilt through our network of apartment and condo buildings that use our platform for all rental / HOA payments. Whether you pay by check, ACH, debit, or credit card, you’ll automatically earn points and receive free rent reporting to boost your credit history when your property uses Bilt.

Personal Cards These cards are listed in order from absolute best to best (e.g the better cards are at the top).  Chase Sapphire Preferred 70,000 Points + $300 Travel Credit – In Branch Read our full review This offer is available in branch only, or can get 60,000 points + $300 online or via referral links. American Express Platinum 175,000 Read our review You might need to open in incognito mode to get the offer to show. Chase British Airways: 100,000 Points Read our review Normally this would either have a much higher $20,000 spend requirement or be for less points. Chase Freedom Flex 10% Grocery Stores Read our review Excellent 10% earn rate at Grocery Stores during the first year on up to $12,000 in spend. $1,200/120,000 max bonus possible. Increased American Express Delta Offers (Up To 110,000 Miles) Read our review Competitive offers but with Delta the bonuses tend to increase over time so I’d only recommend if you have a short to medium term need for the miles. Barclays Aviator Red – 70,000 Miles Read our review Doesn’t require any spend, just a single purchase. Bank of America Sonesta 125,000 Points Offer Read our review

Hey everyone! 👋 I’m curious to hear your thoughts on something fun. Whether you’re into movies, books, music, or even hobbies, I’d love to know: What's one thing you absolutely can't live without in your daily life

I haven’t logged into this business checking account in months, but has happy to see this. Data points: 790 scores(roughly) No deposits in this checking account in 6 months+, but have a small balance sitting in there. Have 3-4 other Chase Ink cards with other businesses and zero balance for 2+ years. I am not moving forward with this yet, but may do so in the near future. The reason is there will still be a hard inquiry and it may or may not take a while to remove.