Bilt and Curve credit cards

Bilt Has Seemingly Shut Down Rewards on Curve Transactions

Ya know, some weeks I really struggle to find a quick tip post to share. And then there are weeks like this that are so overflowing with news that I don’t even know where to start. So, since I trust you’ve already read about the big news regarding Delta SkyMiles and SkyClub access (among other stories), I thought I’d share something a bit more niche but that impacted me directly: The Bilt Mastercard nixing points on Curve transactions.

I should probably back up and explain what Curve is so you can better understand the situation. Curve is a credit card that allows you to link other credit and debit cards to it. So, the idea is that you can just use your Curve card for purchases and it will then send charges to your other cards using Smart Rules. For example, I can tell Curve to use my Capital One SavorOne for dining and it will automatically forward that charge to that card. To do this, it basically just makes a new charge, carrying over the original vendor’s name and merchant code — but does add CRV* to the front of it. There’s also a Curve feature that allows users to “go back in time” and reassign a transaction to a different card… but we’ll talk about that in a minute.

Anyway, as spotted by Frequent Miler — which is how I was first alerted — Bilt isn’t paying out points on purchases made using Curve. Sure enough, after reading Greg’s article, I went to the app to find that I hadn’t been awarded points from my purchases in nearly a month. Thankfully, they still counted towards the 5 transaction monthly minimum Bilt has, so I was still able to claim my rent points. But other than that, I’d missed out on hundreds of points. Of course, it doesn’t help that I’d made Bilt my default card in Curve.

Now, I can confirm that this wasn’t always the case. Looking at my point history, it seriously seems as though the update (at least for me) went into effect sometime last month. Specifically, my last CRV* charge to gain points was on August 7th. Prior to that, I was earning points on Curve transactions, no problem. Nevertheless, Greg does point out that Bilt’s terms state “Members may not earn Points by using third party wallets, cards or other products to switch the method of payment to or from their Bilt account following the completion of a purchase.” So there’s that.

Okay, so why the crackdown? My guess is that it’s due to what could be accomplished with that Go Back in Time Tool I mentioned. See, when that tool is used, what Curve actually does is refund the initial transaction and create a new one. Thus, the date that you use the feature is now the new transaction date… which could be bad for Bilt.

When I wrote my review of Curve, I alluded to some of the powers that the Go Back in Time feature could hold. Moving past transactions to Rent Day — when Bilt offers double points on all non-rent transactions — was among the concepts I had thought of when I decided to tip-toe around the topic. However, knowing that this would surely raise red flags and potentially lead to my card being closed, I never engaged in the practice. I’m also not saying that others did indeed try to exploit this loophole, but I can imagine Bilt wanted to close it before anyone did.

While this is disappointing news, I’m not yet convinced that this is definitely the beginning of the end for Curve. Instead, I happen to think that the people behind Bilt are just a bit more savvy than others. After all, they count The Points Guy Brian Kelly among their investors and advisors. In other words, I think they’re uniquely equipped to identify gameable opportunities and shut them down. Of course, I could also ways be wrong and, soon enough, any transaction with CRV* will be “pointsona non grata” on other cards as well.

Funny enough, this news came just as I was finishing my updated video review of Bilt, in which I basically concluded that the card is only getting better. Although I did consider adding this Curve update to the video at the last minute, I decided that wouldn’t be fair to Bilt. After all, they didn’t really do anything wrong — they just closed a large looming loophole. So, even though I’m a bit annoyed (mainly by myself for not noticing the change earlier), I really can’t fault Bilt. Thus, I’ll continue to be a fan of the card… I just won’t use it via Curve going forward.

Author

Kyle Burbank

Founder ~ Moneyat30
Kyle is a freelance writer - including being the head writer for Fioney.com. He also serves as editorial director for the Disney fan site LaughingPlace.com and the founder of Money@30.com. In 2015, Kyle and his wife Bekah moved from Los Angeles to Springfield MO in pursuit of greater financial freedom. Together, the pair enjoy travel, coffee, and spending time with their dog Rigby. Additionally, as of 2023, they become first-time homeowners.

Other Articles by Kyle Burbank

Capital One Savor Card

Capital One is Seemingly Saying "Goodbye" to the Savor Card

Earlier this week, Capital One removed what might have been considered (or at least intended) to be one of its flagship cards from its site. As of July 16th, the bank is no longer accepting applications for its Savor Rewards card. So what was behind this move and what's next?...
phone camera recording a YouTube video

Starting a Second YouTube Channel: Pros, Cons, & Considerations

If you look at some of the top creators on YouTube, something you might not immediately realize is that many have more than one channel to their name. As it turns out, there are several reasons for this — many of which might impact you as a creator as well....
sitting in Delta SkyClub

Travel Tuesday: Could Unbundled Business Class Come to Delta?

There's no question that flying in business class is a completely different experience than in economy. Between having your own pod and a lie-flat seat, suddenly the prospect of sleeping on a long-haul international flight doesn't seem so untenable. Of course, there are also service perks, such as a dedicated...
The "Email" field is empty, you must enter some text to proceed.The text you entered in the "Email" field appears to be invalid, please edit it and try again
Get Posts in Your Inbox
Featured Articles
Capital One Savor Card

Capital One is Seemingly Saying "Goodbye" to the Savor Card

Earlier this week, Capital One removed what might have been considered (or at least intended) to be one of its flagship cards from its site. As of July 16th, the bank is no longer accepting applications for its Savor Rewards card. So what was behind this move and what's next?...
phone camera recording a YouTube video

Starting a Second YouTube Channel: Pros, Cons, & Considerations

If you look at some of the top creators on YouTube, something you might not immediately realize is that many have more than one channel to their name. As it turns out, there are several reasons for this — many of which might impact you as a creator as well....
sitting in Delta SkyClub

Travel Tuesday: Could Unbundled Business Class Come to Delta?

There's no question that flying in business class is a completely different experience than in economy. Between having your own pod and a lie-flat seat, suddenly the prospect of sleeping on a long-haul international flight doesn't seem so untenable. Of course, there are also service perks, such as a dedicated...
Away softside luggage

Away Just Released Its First Soft-Sided Suitcase Collection

Over the past few years, I've become well acquainted with the travel accessories brand Away. I'm pretty sure my first introduction came when the American Express Green Card was revamped and launched with an Away statement credit as part of its welcome bonus offer. Although I didn't end up taking...