{"id":525315,"date":"2026-03-11T12:13:45","date_gmt":"2026-03-11T16:13:45","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=525315"},"modified":"2026-03-11T12:13:49","modified_gmt":"2026-03-11T16:13:49","slug":"bilt-2-0-all-dressed-up-and-nowhere-to-go","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/bilt-2-0-all-dressed-up-and-nowhere-to-go\/","title":{"rendered":"Bilt 2.0: All Dressed Up and Nowhere to Go"},"content":{"rendered":"\n

The original Bilt card, sponsored by Wells Fargo, was a good effort, but the revenue dynamics didn’t work.\u00a0It is not the first failed co-brand to step outside the realm of successful airline and travel partnerships.\u00a0The opportunity looked promising\u2014about a third of American households rent\u2014but the known obstacle remained: landlords willing to part with a portion of their profits.<\/p>\n\n\n\n

Was it that Bilt required their loyalty infrastructure to be the focus rather than the bank card model? What about mis-forecasting interest revenue because cardholders figured out how to game the system? Or was it just a bad marriage? Time will tell, but there are many gory details in this WSJ article<\/a>.<\/p>\n\n\n\n

Replacing Wells with a Small Fintech Bank?<\/h2>\n\n\n\n

Bilt 2.0 is off to a weak start.\u00a0It looks like Wells Fargo was correct\u2014this variation of the successful credit card co-brand model might scale, but it loses money.\u00a0Now, instead of a card issuer, in business when Mastercard was Master Charge, and Visa was Bank Americard, a tiny fintech looks to replace the model that a top issuer couldn\u2019t get to work.<\/p>\n\n\n\n

Instead of a top Wall Street bank leading the charge, Bilt\u2019s new partner is a fintech bank, named Column, NA. Column is no Wells Fargo (or BoA, Chase, or Citi, for that matter). Originally named the Northern California National Bank, it turned into a fintech bank in 2021.\u00a0The bank is FDIC-insured for deposits and its national bank charter allows it to offer loan products such as credit cards.\u00a0Their current assets (loans, in bank-speak), are under $1 billion, and their liabilities (deposits) are slightly more than half that.\u00a0In their latest report to the FFIEC, Column NSA reported $25,000 in credit card interest earned in December 2025.\u00a0Compared to Wells Fargo, that is a rounding error.<\/p>\n\n\n\n

Off to a Rugged Start<\/h2>\n\n\n\n

Forbes reports<\/a> broad dissatisfaction with the new card. Payments are not hitting properly\u2014instead of allowing cardholders to harvest points from their shelter payments, the payments are getting lost in cyberspace.\u00a0The customer service function is a mess and relies on very confused AI chatbots. Pristine credit-scored accounts are racking up late notices, and Bilt has been ineffective in providing backup support.\u00a0Cardless, the program sponsor, is reported to be unresponsive.<\/p>\n\n\n\n

I Know Credit Cards, and Bilt 2.0 Looks Like a Miss<\/h2>\n\n\n\n

After more than four decades in credit cards, I can confidently call the shot on what is a winner and what is a loser.\u00a0Javelin even has a reconnaissance tool for top issuers, known as Card Bench<\/a>, that reports changes to rates, rewards, or terms within minutes of the event.\u00a0 But this won\u2019t displace many cards in the market, I promise. \u00a0<\/p>\n\n\n\n

As Wells exited, they offered to convert Bilt Cards to their Autograph card product, a reward-rich, good-credit-limit card suitable for general-purpose use.\u00a0 I don\u2019t have an Autograph card, but I can tell you I\u2019ve never had an issue with Wells Fargo, and if I call customer service right now, there will be a live agent on the phone, with no more than a momentary wait. And all my payment transactions to pay and charge will go through, as you\u2019d expect with any Mastercard or Visa payment.<\/p>\n\n\n\n

Learning moment: forget about non-standard co-brands, especially those that have competing loyalty systems.\u00a0And, a good partnership relies on a solid relationship, where all parties win.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

The original Bilt card, sponsored by Wells Fargo, was a good effort, but the revenue dynamics didn’t work.\u00a0It is not the first failed co-brand to step outside the realm of successful airline and travel partnerships.\u00a0The opportunity looked promising\u2014about a third of American households rent\u2014but the known obstacle remained: landlords willing to part with a portion […]<\/p>\n","protected":false},"author":335,"featured_media":460964,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1259"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259],"tags":[65922,62849,161,160,339],"class_list":["post-525315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","tag-bilt-2-0","tag-co-brand","tag-mastercard","tag-visa","tag-wells-fargo"],"yoast_head":"\nBilt 2.0: All Dressed Up and Nowhere to Go - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Bilt 2.0 is off to a weak start.\u00a0Wells Fargo was correct, this variation of the credit card co-brand model may scale, but it loses money.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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