Heads up, Bilt rewards enthusiasts! Word on the street (or, more accurately, Reddit) is that Bilt is planning some major changes with the launch of their new credit cards in early 2026. While Bilt is downplaying the rumors, they're worth paying attention to. We're expecting three new cards: one with no annual fee, and two premium cards with annual fees of $95 and $495 respectively. Here's the potential kicker: the no-annual-fee card might get a serious downgrade. Think reduced earning rates (possibly just 0.5x points per dollar on rent/mortgage), and potentially the loss of popular perks like bonus points on dining. On the flip side, the new premium cards might come with tempting sign-up bonuses – something Bilt hasn't really offered before. Plus, there's talk of earning points on your *entire* mortgage payment (including taxes and insurance!), not just the principal and interest. Another big change to watch for: a minimum spend requirement on the Bilt card to earn points on rent/mortgage. This means you can't just put your rent on the card and forget about it – you'll need to use it for everyday spending too. All of this is still just a rumor for now, but the official details are expected to drop in mid-January 2026, with the card launch shortly after. Stay tuned, because these changes could seriously impact how you earn and redeem Bilt points!