<p>作者：Genna Contino</p>
<p>如何判断 Bilt Card 2.0 是否适合你</p>
<p>Bilt Card 2.0 采用分级奖励结构，要求持卡人花费更多资金才能在住房支付上解锁积分。</p>
<p>一款针对租户的信用卡正在重新设计其奖励计划，这让一些用户开始怀疑新版本的卡是否仍然值得使用，或者他们是否应该取消账户。</p>
<p>Bilt 是一个忠诚度计划，配有一张信用卡，允许用户在支付租金时积累奖励积分，现正过渡到 Bilt Card 2.0，该卡将采用分级奖励结构，并要求持卡人花费更多资金才能在住房支付上解锁积分。新卡的年费从 $0 到 $495 不等，提供三种不同版本。</p>
<p>新 Bilt 卡将于 2 月 7 日上线。原定于 1 月 30 日的现有持卡人预订新卡并保持当前信用卡号码的截止日期已延长至 2 月 1 日。Bilt 正在将其合作伙伴从富国银行（WFC）转移到金融科技公司 Cardless。选择不转移现有账户的客户将被转换为富国银行的 Autograph 卡。</p>
<p>Bilt 与数千名物业管理者合作，提供一个系统，让租户在不支付交易费用的情况下支付租金，并在此过程中赚取积分，这帮助 Bilt 在富裕的城市居民中找到了追随者。随着房价和抵押贷款利率的上升，许多美国人无法购买房屋，富裕租户的数量近年来有所增加。</p>
<p>虽然超过 500 万人通过 Bilt 通过其系统支付租金来赚取奖励，但只有约 80 万名会员是 Bilt 持卡人，能够在租金和日常消费中赚取积分。尽管与拥有数百万持卡人的信用卡巨头如美国运通（AXP）和摩根大通（JPM）相比，Bilt 的客户基础相对较小，但该公司已经建立了一个充满热情的追随者。</p>
<p>对于积分爱好者来说，Bilt 2.0 提供了更多赚取积分的机会，这些积分可以用于数百美元的新账单抵免。对于那些主要是为了在最大月账单上赚取积分而注册 Bilt 的 “设定后忘记” 的租户来说，新版本可能是一个不再划算的数学问题。新的奖励系统要求用户在日常消费上花费高达租金金额的 75%，才能获得之前只需五笔小额交易就能获得的相同奖励。</p>
<p>在预订新卡的截止日期临近之际，当前用户面临选择：选择新的银行合作伙伴和较少的租金奖励，还是将账户转换为没有住房奖励的标准富国银行卡。</p>
<p>申请贷款前？首先做这 5 个聪明的举动来提高你的信用评分 - 无论你有几周或几个月的时间</p>
<p>Bilt 2.0 在新购买上提供 10% 的首年优惠 APR，并首次允许用户在抵押贷款支付上赚取积分，除了租金支付。根据旅行和信用卡比较网站 The Points Guy 的数据，Bilt 积分的价值为每积分 2.2 美分，可以用于多种类型的购买，包括航班和酒店、在亚马逊（AMZN）购物和健身课程，甚至可以用于房屋的首付款。</p>
<p>总体而言，如果你的租金很高，但每月仅在信用卡上消费约 $500，那么新 Bilt 卡可能对你来说并不划算。如果你倾向于避免复杂的信用卡积分系统，Bilt 2.0 将不会提供原卡的简单性。</p>
<p>然而，如果你拥有自己的房屋，新卡提供了在抵押贷款支付上赚取积分的机会。对于大额消费的人来说也很不错：那些每月在食品和旅行上花费至少 $2,000 的人，可以轻松在租金或抵押贷款支付上积累积分，并在两个高级卡上获得日常消费的显著积分倍增。</p>
<p>“我知道一些参数已经改变，变得更加复杂，可能对某些人来说不那么有利，” Bankrate 高级行业分析师 Ted Rossman 说。“但我仍然认为这张卡对向上流动的年轻专业租户来说是值得的。它实际上是市场上最有利可图的可转让积分卡之一。”</p>
<p>我怎么知道新 Bilt 卡是否值得我拥有？</p>
<p>Bilt 2.0 的推出并不顺利。在本月初的首次公告后，Bilt 创始人兼首席执行官 Ankur Jain 发布了一份说明，回应会员对租金赚取积分的担忧，而公司的旅行总经理 Richard Kerr 在 Reddit（RDDT）上主持了一场 “问我任何事情” 的论坛。最后，Kerr 在 Instagram（META）上发布了一张关于 “地下室居住的 Reddit 用户” 的表情包，并对此公开道歉。</p>
<p>来自档案（2025 年 6 月）：如何通过支付账单（甚至是抵押贷款和汽车付款）来赚取额外收入</p>
<p>对于那些仍然感到困惑的人，最大的变化在于租金奖励的生成方式。持卡人现在将选择两种选项：</p>
<p>-- 选项 1：租金奖励由你的日常消费比例决定。要获得之前自动获得的 1x 积分，你现在必须每月在非住房消费（如杂货和餐饮）上花费租金金额的 75%。如果你花费较少，奖励将减少。例如，$2,000 的租金支付需要在其他卡消费中达到 $1,500 才能达到 1x 级别。否则，你可能只能获得每美元半分或固定的 250 积分最低。</p>
<p>-- 选项 2：此路径在你的日常消费中提供 4% 的 “Bilt Cash” 返还。Bilt Cash 是一种单独的货币，用于 “购买” 在住房上赚取积分的权利。要在 $2,000 的租金支付上获得完整的 1x 积分，你需要兑换 $60 的 Bilt Cash（每 1,000 积分 $30 的兑换率）。或者，你可以跳过租金积分，将这笔现金用于与 Bilt 合作伙伴的 Lyft、酒店或健身课程的逐美元抵免。</p>
<p>申请时需要知道的事项</p>
<p>Bilt 2.0 卡不允许您使用信用额度支付租金或抵押贷款。相反，它将从您关联的银行账户中提取租金和抵押贷款付款。这意味着那些使用 Bilt 1.0 信用额度来支付租金并在一个月内偿还余额的人，现在必须在月初提前支付这些费用。</p>
<p>我不想要 Bilt 2.0 卡。我只需取消富国银行账户吗？</p>
<p>一般来说，除非信用卡有年费，否则保留信用卡比取消它更好，LendingTree（TREE）的首席消费者金融分析师 Matt Schulz 表示。保持账户开放有助于维护您的信用评分，因为它保留了您账户的平均年龄，并将您的信用利用率——您所欠债务与总信用额度的比例——保持在尽可能低的水平。</p>
<p>富国银行 Autograph 卡，如果 Bilt 1.0 用户不转到新卡，将自动收到该卡，没有年费。</p>
<p>美元符号：我不想支付新的 895 美元美国运通白金卡年费——但取消卡会影响我的信用评分吗？</p>
<p>如果您仍然选择取消 Autograph 卡，您可以通过要求提高其他卡的信用额度来避免信用评分受损，Schulz 说。通过提高剩余卡的额度，您可以替代被取消账户的 “缺失” 信用，防止整体使用比例激增。</p>
<p>“取消信用卡可能会损害您的信用评分，但您可以采取具体步骤来最小化损害，” Schulz 说。</p>
<p>您是否对信用卡有问题希望在 MarketWatch 中看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 写信给我们。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的答案以姓名归属给您。</p>
<p>-Genna Contino</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和华尔街日报发布。</p>
<p>（结束）道琼斯新闻通讯</p>
<p>01-31-26 1142ET</p>

房地产投资信托股 ETF - iShares

BILT

抵押贷款支持证券 ETF - iShares

JHMB

按揭地产信托收入 ETF - VanEck Vectors

美国按揭抵押债 ETF - Vanguard

抵押贷款证券 ETF - Janus Henderson

<p>Bilt 正在推出其 Bilt Card 2.0，该卡具有分级奖励结构，需要更高的消费才能在住房支付中赚取积分。新卡将于 2 月 7 日上市，年费范围从 $0 到 $495，并将合作伙伴关系从富国银行转移到金融科技公司 Cardless。虽然它允许在抵押贷款支付中赚取积分，但对普通用户来说，奖励系统变得更加复杂。当前持卡人必须决定是过渡到新卡，还是切换到没有住房奖励的标准富国银行卡。这张卡被视为对高消费用户和向上流动的租户有利</p>

<p>By Genna Contino</p>
<div class="lb-trans"><p>作者：Genna Contino</p>
</div><p>How to tell if the Bilt Card 2.0 is right for you</p>
<div class="lb-trans"><p>如何判断 Bilt Card 2.0 是否适合你</p>
</div><p>The Bilt Card 2.0 has a tiered rewards structure that will require cardholders to spend more money to unlock points on housing payments.</p>
<div class="lb-trans"><p>Bilt Card 2.0 采用分级奖励结构，要求持卡人花费更多资金才能在住房支付上解锁积分。</p>
</div><p>A credit card aimed at renters is revamping its rewards program, leaving some users to wonder if the new version of the card is still worth it - or if they should cancel their accounts.</p>
<div class="lb-trans"><p>一款针对租户的信用卡正在重新设计其奖励计划，这让一些用户开始怀疑新版本的卡是否仍然值得使用，或者他们是否应该取消账户。</p>
</div><p>Bilt, a loyalty program with a credit card known for letting users accumulate rewards points when they pay their rent, is transitioning to its Bilt Card 2.0, which will have a tiered rewards structure and require cardholders to spend more money to unlock points on housing payments. Annual fees on the new card, which comes in three different versions, range from $0 to $495.</p>
<div class="lb-trans"><p>Bilt 是一个忠诚度计划，配有一张信用卡，允许用户在支付租金时积累奖励积分，现正过渡到 Bilt Card 2.0，该卡将采用分级奖励结构，并要求持卡人花费更多资金才能在住房支付上解锁积分。新卡的年费从 $0 到 $495 不等，提供三种不同版本。</p>
</div><p>The new Bilt cards go live Feb. 7. The original deadline for existing cardholders to preorder a new card and maintain their current credit-card number was Jan. 30; Bilt later extended it to Feb. 1. Bilt is transferring its partnership from Wells Fargo (WFC) to fintech company Cardless. Customers who choose not to transition their existing account will be converted to a Wells Fargo Autograph card.</p>
<div class="lb-trans"><p>新 Bilt 卡将于 2 月 7 日上线。原定于 1 月 30 日的现有持卡人预订新卡并保持当前信用卡号码的截止日期已延长至 2 月 1 日。Bilt 正在将其合作伙伴从富国银行（WFC）转移到金融科技公司 Cardless。选择不转移现有账户的客户将被转换为富国银行的 Autograph 卡。</p>
</div><p>Bilt partnered with thousands of property managers to provide a system for renters to pay rent without transaction fees and to earn points along the way, helping Bilt find a following among well-heeled city dwellers. The ranks of upper-income renters have grown in recent years as elevated home prices and mortgage rates keep many Americans from buying a house.</p>
<div class="lb-trans"><p>Bilt 与数千名物业管理者合作，提供一个系统，让租户在不支付交易费用的情况下支付租金，并在此过程中赚取积分，这帮助 Bilt 在富裕的城市居民中找到了追随者。随着房价和抵押贷款利率的上升，许多美国人无法购买房屋，富裕租户的数量近年来有所增加。</p>
</div><p>While more than 5 million people earn rewards through Bilt by paying rent through its system, only about 800,000 members are Bilt cardholders, earning points on both rent and everyday spending. Though Bilt's customer base is modest compared with credit-card giants such as American Express (AXP) and Chase (JPM), which have millions of cardholders, the company has built a passionate following.</p>
<div class="lb-trans"><p>虽然超过 500 万人通过 Bilt 通过其系统支付租金来赚取奖励，但只有约 80 万名会员是 Bilt 持卡人，能够在租金和日常消费中赚取积分。尽管与拥有数百万持卡人的信用卡巨头如美国运通（AXP）和摩根大通（JPM）相比，Bilt 的客户基础相对较小，但该公司已经建立了一个充满热情的追随者。</p>
</div><p>For points enthusiasts, Bilt 2.0 offers more opportunities to earn points that can be spent on hundreds of dollars' worth of new statement credits. For the set-it-and-forget-it renter - someone who signed up with Bilt primarily to earn points on their largest monthly bill without making any extra effort - the new version may be a math problem that no longer adds up. The new rewards system requires users to spend as much as 75% of their rent amount on everyday purchases to earn the same rewards that previously required only five small transactions.</p>
<div class="lb-trans"><p>对于积分爱好者来说，Bilt 2.0 提供了更多赚取积分的机会，这些积分可以用于数百美元的新账单抵免。对于那些主要是为了在最大月账单上赚取积分而注册 Bilt 的 “设定后忘记” 的租户来说，新版本可能是一个不再划算的数学问题。新的奖励系统要求用户在日常消费上花费高达租金金额的 75%，才能获得之前只需五笔小额交易就能获得的相同奖励。</p>
</div><p>With a looming deadline to preorder the new card, current users face a choice: opt in for a new bank partner and skimpier rent rewards, or see their account converted to a standard Wells Fargo card that offers no housing rewards at all.</p>
<div class="lb-trans"><p>在预订新卡的截止日期临近之际，当前用户面临选择：选择新的银行合作伙伴和较少的租金奖励，还是将账户转换为没有住房奖励的标准富国银行卡。</p>
</div><p>Taking out a loan? First make these 5 smart moves to raise your credit score - whether you have weeks or months</p>
<div class="lb-trans"><p>申请贷款前？首先做这 5 个聪明的举动来提高你的信用评分 - 无论你有几周或几个月的时间</p>
</div><p>Bilt 2.0 comes with a 10% introductory APR on new purchases for a year and allows users, for the first time, to earn points on mortgage payments, in addition to rent payments. Bilt points, which are worth 2.2 cents per point, according to travel and credit-card comparison site the Points Guy, can be redeemed for multiple types of purchases, including flights and hotels, shopping on Amazon (AMZN) and fitness classes, and can even be put toward a down payment on a home.</p>
<div class="lb-trans"><p>Bilt 2.0 在新购买上提供 10% 的首年优惠 APR，并首次允许用户在抵押贷款支付上赚取积分，除了租金支付。根据旅行和信用卡比较网站 The Points Guy 的数据，Bilt 积分的价值为每积分 2.2 美分，可以用于多种类型的购买，包括航班和酒店、在亚马逊（AMZN）购物和健身课程，甚至可以用于房屋的首付款。</p>
</div><p>Overall, if your rent is expensive but you only put, say, $500 a month on credit cards, the new Bilt card likely isn't a good deal for you. And if you tend to shy away from complicated credit-card points systems, Bilt 2.0 will not offer the simplicity that came with the original card.</p>
<div class="lb-trans"><p>总体而言，如果你的租金很高，但每月仅在信用卡上消费约 $500，那么新 Bilt 卡可能对你来说并不划算。如果你倾向于避免复杂的信用卡积分系统，Bilt 2.0 将不会提供原卡的简单性。</p>
</div><p>However, if you own your home, the new card offers the opportunity to earn points on your mortgage payments. It is also good for big spenders: Those who already spend at least $2,000 per month on food and travel can easily rack up points on rent or mortgage payments, plus significant points multipliers for everyday spending on the two premium-tier cards.</p>
<div class="lb-trans"><p>然而，如果你拥有自己的房屋，新卡提供了在抵押贷款支付上赚取积分的机会。对于大额消费的人来说也很不错：那些每月在食品和旅行上花费至少 $2,000 的人，可以轻松在租金或抵押贷款支付上积累积分，并在两个高级卡上获得日常消费的显著积分倍增。</p>
</div><p>&#34;I know some of the parameters have changed and it's gotten more confusing and perhaps less lucrative for some,&#34; said Ted Rossman, a Bankrate senior industry analyst. &#34;But I still do think of this card as being worthwhile for the upwardly mobile, young professional renter. It actually is one of the most lucrative transferable-points cards on the market.&#34;</p>
<div class="lb-trans"><p>“我知道一些参数已经改变，变得更加复杂，可能对某些人来说不那么有利，” Bankrate 高级行业分析师 Ted Rossman 说。“但我仍然认为这张卡对向上流动的年轻专业租户来说是值得的。它实际上是市场上最有利可图的可转让积分卡之一。”</p>
</div><p>How do I know if the new Bilt card is worth it for me?</p>
<div class="lb-trans"><p>我怎么知道新 Bilt 卡是否值得我拥有？</p>
</div><p>The rollout of Bilt 2.0 has been far from smooth. After the initial announcement earlier this month, Bilt founder and Chief Executive Ankur Jain published a note addressing member concerns about earning points on rent, and Richard Kerr, the company's general manager for travel, hosted an &#34;ask me anything&#34; forum on Reddit (RDDT). That ended with Kerr posting a meme about &#34;basement dwelling Redditors&#34; on Instagram (META), which he publicly apologized for soon after.</p>
<div class="lb-trans"><p>Bilt 2.0 的推出并不顺利。在本月初的首次公告后，Bilt 创始人兼首席执行官 Ankur Jain 发布了一份说明，回应会员对租金赚取积分的担忧，而公司的旅行总经理 Richard Kerr 在 Reddit（RDDT）上主持了一场 “问我任何事情” 的论坛。最后，Kerr 在 Instagram（META）上发布了一张关于 “地下室居住的 Reddit 用户” 的表情包，并对此公开道歉。</p>
</div><p>From the archives (June 2025): How to make extra money just by paying bills - even your mortgage and car payment</p>
<div class="lb-trans"><p>来自档案（2025 年 6 月）：如何通过支付账单（甚至是抵押贷款和汽车付款）来赚取额外收入</p>
</div><p>For those who are still confused, the biggest change is in how rent rewards are generated. Cardholders will now choose between two options:</p>
<div class="lb-trans"><p>对于那些仍然感到困惑的人，最大的变化在于租金奖励的生成方式。持卡人现在将选择两种选项：</p>
</div><p>-- Option 1: Rent rewards are determined by your everyday spending ratio. To earn the 1x points that were previously automatic, you now have to spend 75% of your rent amount on nonhousing purchases (like groceries and dining) each month. If you spend less, your rewards drop. For example, a $2,000 rent payment requires $1,500 in other card spending to hit that 1x tier. Otherwise, you may only earn half a point per dollar or a flat 250-point minimum.</p>
<div class="lb-trans"><p>-- 选项 1：租金奖励由你的日常消费比例决定。要获得之前自动获得的 1x 积分，你现在必须每月在非住房消费（如杂货和餐饮）上花费租金金额的 75%。如果你花费较少，奖励将减少。例如，$2,000 的租金支付需要在其他卡消费中达到 $1,500 才能达到 1x 级别。否则，你可能只能获得每美元半分或固定的 250 积分最低。</p>
</div><p>-- Option 2: This path offers 4% back in &#34;Bilt Cash&#34; on your daily spending. Bilt Cash is a separate currency used to &#34;buy&#34; the right to earn points on housing. To get the full 1x points on a $2,000 rent payment, you would need to redeem $60 of Bilt Cash (a rate of $30 per 1,000 points). Alternatively, you can skip the rent points and use that cash for dollar-for-dollar credits on Lyft, hotels or fitness classes with Bilt partners.</p>
<div class="lb-trans"><p>-- 选项 2：此路径在你的日常消费中提供 4% 的 “Bilt Cash” 返还。Bilt Cash 是一种单独的货币，用于 “购买” 在住房上赚取积分的权利。要在 $2,000 的租金支付上获得完整的 1x 积分，你需要兑换 $60 的 Bilt Cash（每 1,000 积分 $30 的兑换率）。或者，你可以跳过租金积分，将这笔现金用于与 Bilt 合作伙伴的 Lyft、酒店或健身课程的逐美元抵免。</p>
</div><p>What to know if you apply</p>
<div class="lb-trans"><p>申请时需要知道的事项</p>
</div><p>The Bilt 2.0 card will not allow you to use your credit line to pay your rent or mortgage. Instead, it will pull rent and mortgage payments from your linked bank account. That means those who used their Bilt 1.0 credit line to cover rent and then paid off the balance over the course of the month will now have to cover those costs up front at the beginning of the month.</p>
<div class="lb-trans"><p>Bilt 2.0 卡不允许您使用信用额度支付租金或抵押贷款。相反，它将从您关联的银行账户中提取租金和抵押贷款付款。这意味着那些使用 Bilt 1.0 信用额度来支付租金并在一个月内偿还余额的人，现在必须在月初提前支付这些费用。</p>
</div><p>I don't want the Bilt 2.0 card. Do I just cancel the Wells Fargo account?</p>
<div class="lb-trans"><p>我不想要 Bilt 2.0 卡。我只需取消富国银行账户吗？</p>
</div><p>Generally speaking, you're better off keeping a credit card rather than canceling it, unless it has an annual fee, according to Matt Schulz, chief consumer finance analyst at LendingTree (TREE). Keeping the account open helps maintain your credit score by preserving the average age of your accounts and keeping your credit-utilization ratio - the amount of debt you owe relative to your total credit limit - as low as possible.</p>
<div class="lb-trans"><p>一般来说，除非信用卡有年费，否则保留信用卡比取消它更好，LendingTree（TREE）的首席消费者金融分析师 Matt Schulz 表示。保持账户开放有助于维护您的信用评分，因为它保留了您账户的平均年龄，并将您的信用利用率——您所欠债务与总信用额度的比例——保持在尽可能低的水平。</p>
</div><p>The Wells Fargo Autograph card, which Bilt 1.0 users will automatically receive if they don't transition to the new card, does not have an annual fee.</p>
<div class="lb-trans"><p>富国银行 Autograph 卡，如果 Bilt 1.0 用户不转到新卡，将自动收到该卡，没有年费。</p>
</div><p>Dollar Signs: I don't want to pay the new $895 American Express Platinum fee - but will canceling the card hurt my credit score?</p>
<div class="lb-trans"><p>美元符号：我不想支付新的 895 美元美国运通白金卡年费——但取消卡会影响我的信用评分吗？</p>
</div><p>If you still choose to cancel the Autograph card, you can avoid taking a hit to your credit score by asking for an increase to your credit limit on one or more of your other cards, Schulz said. By increasing the limits on your remaining cards, you replace the &#34;missing&#34; credit from the canceled account and prevent your overall usage ratio from spiking.</p>
<div class="lb-trans"><p>如果您仍然选择取消 Autograph 卡，您可以通过要求提高其他卡的信用额度来避免信用评分受损，Schulz 说。通过提高剩余卡的额度，您可以替代被取消账户的 “缺失” 信用，防止整体使用比例激增。</p>
</div><p>&#34;Canceling a credit card can damage your credit score, but there are concrete steps that you can take to minimize the damage,&#34; Schulz said.</p>
<div class="lb-trans"><p>“取消信用卡可能会损害您的信用评分，但您可以采取具体步骤来最小化损害，” Schulz 说。</p>
</div><p>Do you have questions about credit cards that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您是否对信用卡有问题希望在 MarketWatch 中看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 写信给我们。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的答案以姓名归属给您。</p>
</div><p>-Genna Contino</p>
<div class="lb-trans"><p>-Genna Contino</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和华尔街日报发布。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻通讯</p>
</div><p>01-31-26 1142ET</p>
<div class="lb-trans"><p>01-31-26 1142ET</p>
</div>

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