3 NEW Bilt Cards Coming Early 2026 - NEW DETAILS

Well, we have some major news for you in this video, and it comes in three parts. Number one is that we have confirmation directly from Built that a Built trifecta of three new Built credit cards will be coming out in a few months. Two is that you will be able to earn points on mortgages through built, not just rent. And three is that there is a new way of earning built points that could really boost your points balance. Hey credit warriors, welcome to the video. My name is Ben Hedges aka the credit shifu. And on this channel, I cover US credit cards, personal finance, and travel hacking. If you like the sound of that, please subscribe. But let's get into the video. So, Built is the very popular system that allows you to earn points by paying rent, dining in their dining program, and shopping at Walgreens. You can pay rent with any credit card for a fee, or you can get the Built credit card and pay rent and earn points with no fee. Built has some great transfer partners like World of Hyatt and a load of airlines. The points are also worth 1.25 cents through the built travel portal. The points guy also values built points at 2.2 cents per point. Not sure how he gets that valuation, but anyway. A few months ago, we did a video on the rumored Built trifecta, which was based on information from a customer survey that some people got sent. But now we have Built actually confirming that this is the case. If you go to their website for the Built credit card, you will see them teasing three new cards. And these are the Built 2.0 cards and they will launch on February 7th. The details of these three new cards will be revealed in early January according to Built. If you want to be the first to know about them, you can click on this get notified button on their website and you'll get notified when the details are live. If you want to go on rumors, you can look at my previous video which looks like this and I go through the examples that are given in the survey. They range from a no annual fee card to a mid-tier $95 annual fee and then to a $450 to $550 annual fee card with loads of credits, priority pass, lounge access, etc. And most of the cards have better point earning rates on things including rent than the current card has. I'll put that video on the end screen of this video for you to check out if you're interested. So, everyone will find out the new card details in early January and you will be able to apply for the three new cards on February 7th. But what if you are already a built card holder? Are you grandfathered in to the current built card? No, you are not. You will have to choose one of the three new built cards and you will be able to choose your card in early January. Built sent us a press release saying that once you choose a card to be product changed to, your card number stays the same. So Built says you won't need to update any subscriptions. Although, I guess, wouldn't the expiry date change? Or maybe they're purposefully keeping that the same. Mobile wallets will also apparently update automatically. Will there be a credit check if you do a product change? Let's say you wanted to go from the current no annual fee card to a full-on premium travel card from Built with Lounge Access, etc. You'd think they might, you know, have a credit check for that. But actually, no, it's not a hard credit pull. Built says there will only be a soft credit pull for this product change. So, it will not affect your credit score. And since everyone is being switched over to new cards, what is happening to the current build card issued by Wells Fargo? Well, it is shutting down. It was already closed to new applicants as of yesterday. And once everyone is switched over to the new cards operated by Cardless, that built card from Wells Fargo will be no more. Built says the old cards will stop working on February 6th, 2026. That's just one day before the launch of the new card. Wells Fargo was losing money on the Built partnership and had wanted to get out of it for some time. We reported on that earlier this year. Now, Built has also confirmed that in addition to earning points on rent, the Built Card 2.0 will let you earn points by paying your mortgage. Let's now talk about how that works. So, you will be able to pay your mortgage with the new Built 2.0 cards. And this isn't just to one provider like with the recent partnership built launched with UWM. That would be frustrating since mortgages often get sold to different companies. So you could be with UWM at first. That might be who you got your mortgage through and then a few months later your loan could get bought by another bank. My loan on my main house has been transferred three times now. It's kind of annoying. And this is the frustrating thing about mortgages. You know, my video editor refinanced his house with Rocket Mortgage. So, he got their net worth tracking app for free because that's like a benefit of having the mortgage. You don't have to pay for a subscription to their app. But then his loan got sold to another company and he doesn't get that benefit anymore. It's actually really stupid in my opinion. If you sign up with one company, it should stay there. All right? Cuz there may be other incentives to getting the mortgage with that company other than things like the interest rate, etc. But anyway, rant over. The Built Card 2.0 will let you pay any mortgage provider. Not sure exactly how that will work. Maybe they're going to give you a a, you know, like a routing number and an account number to give to that provider. Um, but I guess details will be released in January. And when this comes out, I will almost certainly get the Built 2.0 card. I mean, I spend a fixed amount of $1,800 every month on my mortgage on my main house and another $1,500 on the mortgage on my Airbnb cabin. Link below, by the way, if you want to come stay. 2 hours from New York City. It's really beautiful. Got a hot tub, wood burning stove, king bed. Anyway, uh so that's $3,300 in monthly spending to earn points on. Maybe there will be a rule that you can only earn points on one mortgage payment per month. I think there's a rule with rent, but if that is the case, I could just get my wife to get a card, too, and then she can pay one of the mortgages. And guys, if you want to sign up for Built, I'll put a link below. You can sign up to their program in preparation for these new cards. And actually, while you're waiting, you can also link any card from your wallet and then use their dining program, which gives you three extra points per dollar on top of what you earn on whatever credit card you use. So, on the MX Gold, it could be seven points per dollar. On the City Custom Cash, it could be eight points per dollar. There are loads of restaurants in their dining program. Sometimes I go to one without even realizing and I come home and like, "Wow, I earned points." So, do sign up and link a card below. And actually guys, these are one of the only rewards programs that still works with us on YouTube. So it really helps if you do use our link. All right. All the other banks pulled out completely of YouTube advertising, which I think is crazy. But anyway, it's why Ask Sebie is doing like uh oh, a certain credit card. It's a golden in color. Hint hint wink wink. You know, >> you might also see more Teimu style cards. So it's not me trying to be funny, but it's so I can actually talk about stuff. It's not ideal at all, but it is what it is. >> Finally, let's talk about this new way to earn built points. So there is a new way to earn built points and that is through the points and cashback portal rakutin. So built points are going to be added to the cashback and MX points as the third possible currency you can earn from rakutin. And rakutin if you don't know is a site that lets you click through to some of your favorite stores from their website and earn points or cash back on top of whatever you earn on whatever credit card you use. To set this up you need to first link your rakutin account to your built account through built. Okay. So you go to the built website. You'll find the link to do that on the homepage if you're watching this video today when it came out or you know within the next few days probably since it's just launched. All right. So they're promoting it. And you must use the same email for both Built and Racketin for them to be able to link. You'll then be able to choose to earn built points from Racketin instead of MX points or cashback. If you want to switch back to AMX points or cash back later, you'll still be able to log into Rakitin and switch back to that different payment method. If you are a new Racketin member and you sign up through the Build app, you will get a $25 cash back bonus after you've make your first purchase of $25 or more at any of their stores. But if you're new to Rakitin, do yourself a favor and don't do that. Use my link below and get a bonus of $50 cash back when you sign up and make your first purchase. Then you can still link your account to Built after that as long as you use the same email to sign up. And that $50 will become 5,000 Built points if you choose to redeem through Built. Link for that is down below. Now, Built say that all Built members will have a 1:1 ratio of Rakutin cash back to Built Points for the first 6 months. Okay, so 1 cent in cash back equals one built point. But it seems that after that, the ratio will be different depending on what tier of membership you have. It looks like they haven't announced what rates will be for each tier yet. I am currently a Blue member, so I imagine I will not get a 1:1 ratio after 6 months as my spending with Built stands now. But if I get the card in February and start paying mortgage payments with it, I may very well move up through the membership tiers. But still for me, I'm going to stick with American Express points on Rakuten for now, but we'll see what happens next year. Rakutin becomes especially useful this time of year on Black Friday weekend where many stores on the site have like 15 to 20% slash 15 to 20 MX points per dollar or now built points per dollar as well. And actually on November 8th, which is Saturday, they are doing a 15% on Lululemon, which all of you MX bros with your Lululemon credits can buy your wife or girlfriend some yoga pants or a sports bra or something and get 15 AMX points or 15 built points per dollar and get refunded by the MX Platinum's $75 Lululemon credit. Anyway, link for Racketin with the $50 bonus is below. I'll also put the link to built where you can sign up and also put a link that takes you directly to their dining program. uh whichever one you sign up for, you get the whole of the built program. But, you know, just if you want to go directly to the dining program, you can. Don't forget to add a card so that you can actually start earning points though, okay, when you dine in those restaurants. And that's where I'm going to leave it for today, guys. I am genuinely excited about these new cards. It's actually the first new card that feels like it would really be useful for me in a while. And I'm definitely going to apply as long as they are as good as they sound. All right? As long as it really is pay your mortgage with any mortgage issuing bank. All right, guys. Please subscribe to the channel if you're new and we'll see you next time.