Bilt Card 2.0 tax payments earn no base points and no Bilt Cash on any of the three cards. Bilt's Card Offer Terms, last updated September 18, 2026 and read on October 16, 2026, list tax payments among the purchases that earn neither, with one exception: property taxes included as Bilt housing payments.
Bilt Card 2.0 went live on February 7, 2026, retiring the Wells Fargo Bilt Mastercard and replacing it with three cards issued by Column N.A. and serviced by Cardless. All three run under one set of Bilt Card Offer Terms, and those terms spell out which purchases earn nothing. Here's that list, plus the narrower exclusions that apply only to Bilt's bonus promotions.
The exclusions apply to all three cards and to both Bilt Points and Bilt Cash.
What Replaced the Wells Fargo Card
There are three Bilt cards. The Bilt Blue Card has no annual fee and earns 1x on everyday purchases. The Bilt Obsidian Card runs $95 a year and offers a 3x category choice between dining and grocery (grocery up to $25,000 a year), plus a $100 annual Bilt Travel Hotel credit. The Bilt Palladium Card sits at $495 a year and earns 2x on everyday purchases, with a $400 annual hotel credit.
Wells Fargo Bilt Mastercards could be used through February 6, 2026. Existing cardholders who chose a new Bilt card by February 1 moved over with no hard inquiry: they kept their card numbers, Apple Pay and Google Pay updated automatically, and Bilt said physical cards would arrive in early February. A Wells Fargo account that wasn't closed was converted into a Wells Fargo Autograph Visa card with a new card number.
Bilt's transition page says the new Bilt card appears as a new account on your credit report with a new line of credit, even for cardholders who moved over by the deadline.
The Exclusion List, Attributed
Bilt's Card Offer Terms list these as not eligible purchases, earning neither Bilt Points nor Bilt Cash:
- Tax payments, except property taxes included as Bilt housing payments
- Balance transfers, special transfers, cash advances and cash withdrawals
- Money orders, wire transfers, traveler's checks and similar cash-like transactions
- Prepaid cards and gift cards
- Person-to-person payments, such as Venmo, PayPal, Cash App and Zelle
- Cryptocurrency or other digital currency purchases
- Fees and interest on your card account, including annual, late and returned payment fees
- Lottery tickets, casino gaming chips, race track wagers and similar betting
- Card checks and instant loans
The tax-payment exclusion has one carve-out that matters for homeowners. Bilt counts property taxes billed by your mortgage servicer or property manager as part of a Bilt housing payment, and those earn on the housing side.
Online marketplaces appear in the exclusions for Bilt's bonus promotions: the Rent Day double points terms and the Point Accelerator terms both exclude third-party payment accounts, "digital platforms where multiple third-party sellers offer products or services" and purchases through mobile or wireless card readers, while allowing Apple Pay (and, for the Point Accelerator, Google Pay). So a marketplace purchase can miss a Rent Day or Point Accelerator bonus.
Why It Matters for the Points Stack
The tax exclusion is the one most likely to change how you use the card. Federal and state tax payments on a Bilt card earn no points and no Bilt Cash, and because they aren't eligible purchases, they don't count toward the everyday spending that sets your Housing-only multiplier either.
For self-employed cardholders making quarterly estimated payments, and anyone hoping a large tax bill will clear the Palladium's $4,000 welcome spend, put that payment on a different card. Only everyday spend counts toward the Palladium's spending requirement, and tax payments aren't part of it.
The person-to-person exclusion is the other one to watch. Paying a friend or a contractor through Venmo, PayPal, Cash App or Zelle with a Bilt card earns nothing and doesn't count toward your everyday spending. Bilt's own BillPay is different: rent sent to your landlord through Venmo inside the Bilt app is a housing payment.
How Rent and Mortgage Rewards Now Work
Every Bilt card pays rent and mortgage through Bilt with no transaction fee, and you choose one of two ways to earn on those payments. On Housing-only, your housing multiplier (up to 1.25x) is set each billing cycle by your everyday spending as a share of the payment. On Flexible Bilt Cash, you earn 4% back in Bilt Cash on everyday purchases and redeem it to unlock up to 1x points on the payment.
Bilt's own example uses $2,000 rent: $1,500 of everyday spending in the billing cycle earns 1x, or 2,000 points, on Housing-only, and redeeming $60 of Bilt Cash unlocks the same 2,000 points on Flexible. Excluded purchases help with neither, which makes the exclusion list directly relevant to housing rewards rather than incidental.
What to Watch From Here
The offer terms change over time. The version read for this update is dated September 18, 2026, and Bilt can revise it. If a purchase you expected to earn shows no points, check it against the current exclusion list before assuming a coding error.
For renters whose spending falls into Bilt-eligible categories, the program still offers rewards on rent and mortgage payments with no transaction fee. For everyone else, the exclusion list is the story.
Updated October 16, 2026: tax payments.
