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An an advisor of Bilt I was at the 2.0 launch event in NYC. A few hours after launch I was told about the 5x promo and quickly changed my links since it was the best available offer. It lasted for about 24 hours and there has been a ton of issues with people getting the 5x. Some people got 5x promos that weren’t supposed, some that were supposed to get the 5x didn’t get it. A big problem it seems was that a TON of people were claiming to have applied via the link when they actually didn’t. They’ve developed a claims process that will feature a 5 day, 5x promo for those who qualify. You need to submit your information, and if you’re verified as having used the proper channels to apply, you’ll earn 5x on spend for 5 days from Feb 20th, or you can choose to have 5x on your first 5 days of spend from Feb 7th.
Sadly, in my best effort to provide you with the best offer, if you clicked on a link from my site for the 5x, rather than from TPG itself, it sounds like they won’t honor it. I’d reckon this goes for Frequent Miler as well who honors the best offers even when, in a case like this, we forego the affiliate commission to direct you the better deal. How strictly this will be enforced, I’m not sure.
You should have received a form to file your claim. The details of eligibility are below.
5X for 5 Days Alternative Promotional Offer The Bilt Cards 5×5 Days Alternative Promotional Offer (“Alternative Promotional Offer”) is available only to cardholders who applied for a Bilt Blue, Obsidian, or Palladium credit card issued by Column N.A. (each a “Bilt Card”) and meet all of the following criteria (“Eligibility Requirements”): ● Clicked on the promotional 5×5 offer directly from thepointsguy.com, and from no other website, leading you to the Bilt Card 2.0 application ● Applied for one of the new Bilt Cards by January 15, 2026 at 12:00 PM ET, when the promotion closed ● Was subsequently approved and accepted the Bilt Card offer ● Met either of the following additional criteria: ○ Was not included in the original TPG 5X for 5 Days Promotional Offer (“Original TPG Offer”) and did not receive any communication confirming eligibility nor bonus points as part of the Original TPG Offer ○ Was included in the Original TPG Offer but was unable to fully utilize the offer due to one of the following reasons: ■ Transactions made during the promotional period were declined; ■ Your Bilt Card was not delivered by the start of the promotional period; ■ You did not receive notification of your eligibility for the Original TPG Offer prior to the start of the promotional period; ■ Or, any other circumstance that Bilt, at its sole discretion, deems valid Cardholders who believe they meet the Eligibility Requirements must submit proof of eligibility via a form issued by Bilt by February 18, 2026 at 11:59 PM ET (“Eligibility Request Form”). If a cardholder did not apply for one of the new Bilt Cards by January 15, 2026 at 12:00 PM ET, they will not be permitted to submit the Eligibility Request Form. If a cardholder did apply for one of the new Bilt Cards by January 15, 2026 at 12:00 PM ET, upon completing the Eligibility Request Form they must: ● Provide documentation sufficient to demonstrate that they meet the Eligibility Requirements, subject to approval and review by Bilt in its sole discretion. Acceptable forms of documentation include images of: ○ Browser history evidencing application through the required link; ○ Approval email with eligible timestamp; ○ Written confirmation from an authorized Bilt representative verifying eligibility status; ○ Or, any other documentation that Bilt, in its sole and absolute discretion, determines to be sufficient evidence of compliance with the Eligibility Requirements. ● Select one of the two options below (“Alternative Promotional Offer Options”) to determine how they will be awarded under the Alternative Promotional Offer if they are confirmed to meet the Eligibility Requirements. Eligibility for the Alternative Promotional Offer is subject to Bilt’s validation and verification. Bilt reserves the right to determine eligibility in its sole discretion. Cardholders who are confirmed by Bilt to meet the Eligibility Requirements will earn bonus points under the Alternative Promotional Offer (“Eligible Cardholders”) in accordance with their selection Alternative Promotional Offer Option. Option 1: Alternative 5-Day Promotional Period (February 20-24, 2026) For net purchases (defined as eligible purchases minus any returns, refunds, credits, or chargebacks applied to your account) made using a Bilt Card by an Eligible Cardholder from February 20, 2026 (12:00 a.m. ET) through February 24, 2026 (11:59 p.m. PT), Eligible Cardholders will earn a total of 5 Bilt Points per $1 spent, subject to the exclusions listed below. You can earn a maximum of 50,000 bonus points through this spending multiplier, regardless of how much you spend. Option 2: Retroactive Application of Bonus Points (February 7-12, 2026) Bilt will review eligible purchases made with your Bilt Card between February 7, 2026 at 12:00 a.m. ET and February 12, 2026 at 11:59 p.m. PT and apply bonus points to bring the total earning rate to 5 Bilt Points per $1 spent on eligible purchases, up to a maximum of 50,000 bonus points. The total applicable bonus points will be issued in a singular point deposit to your account and may take up to ten (10) days from the time the Eligibility Request Form closes to be deposited. Eligible Cardholders may select only one option above. Selections are final and cannot be reversed or changed. By selecting an Alternative Promotional Offer Option, the cardholder agrees that the Alternative Promotional Offer replaces the Original TPG Offer and that they forfeit any right to receive bonus points under the Original TPG Offer. Cardholders may not receive bonus points under both the Original TPG Offer and the Alternative Promotional Offer. If an Eligible Cardholder previously received bonus points under the Original TPG Offer (February 7-12, 2026) and elects Option 1 (the alternative period of February 20-24, 2026), any bonus points earned during the Original TPG Offer promotional period will be removed from their account before the Alternative Promotional Offer period begins. Eligible Cardholders cannot receive bonus points under both the Original Promotional Offer and the Alternative Promotional Offer. This Alternative Promotional Offer can be combined with any Welcome Bonus Points offered at the time of application and is dependent on the specific Bilt Card the Eligible Cardholder is approved for. After the promotional period, your standard rewards point earnings will apply. See the Bilt Rewards Card Offer Terms for Welcome Bonus details, spending requirements, and earning and benefits details. With the exception of any Welcome Bonus Points offered, this promotion cannot be combined with other promotions or offers unless otherwise stated. Bilt will determine the best promotion applicable for purchases posted to your Bilt Card account. Exclusions: The following purchases and transactions are not eligible purchases for purposes of earning bonus points under this Promotional Offer: rent, mortgage, housing-related fees (e.g., HOA dues, utilities, amenity fees), tax payments, and third party payment accounts and online marketplaces with retailers who submit purchases using a mobile or wireless card reader or if you use a mobile or digital wallet, including financial intermediaries or services that process payments between you and merchants instead of directly using your card (including products that consolidate multiple payment methods into a single card or platform), digital platforms where multiple third-party sellers offer products or services, and payment processing systems that utilize portable card-reading devices that connect to mobile networks or wireless internet. Notwithstanding the foregoing, transactions made using Apple Pay are not excluded from the promotion. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account, bets or wagers transmitted over the internet, and casino gaming do not earn points. It may take up to seven (7) days for bonus points earned through this Alternative Promotional Offer to post to your Bilt Rewards Account. In the case of retroactive point adjustments under Option 2, bonus points may take up to fourteen (14) days to post following the conclusion of the Promotional Period. To qualify for this Alternative Promotional Offer, your Bilt Card account must be open and not in default at the time of fulfillment. Should you receive points on an ineligible purchase, Bilt may deduct those points at its discretion. Returned or refunded purchases will not count toward the qualifying spend requirement and any bonus points earned on such purchases will be deducted from your account. This Alternative Promotional Offer is subject to the Bilt Rewards Terms & Conditions and the Bilt Rewards Card Offer Terms and is offered solely by Bilt. Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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