You need a new Bilt card only if yours is lost, stolen, damaged, or expiring soon
Bilt sends you a replacement card automatically about 30 days before your current card expires — you do not have to request one. If your card is physically damaged (cracked, bent, unreadable), lost, or stolen, contact Bilt's customer service to order a replacement. A new card typically arrives within 7 to 10 business days. If your card works fine and has not expired, you do not need to change it.
The main reason to replace a card early is security. If you believe someone has used your card without permission, or if you suspect your card number was compromised in a data breach, request a replacement when ready. Bilt will cancel the old card and issue a new one with a different number.
Key Takeaways
- Bilt automatically mails you a replacement card about 30 days before expiration, so you do not need to request one unless your card is damaged or lost.
- If your card is lost, stolen, or damaged, contact Bilt customer service by phone or through the mobile app to order a replacement card.
- A replacement card usually arrives within 7 to 10 business days, but you can use your account online or through the app while you wait.
- If you suspect fraud or unauthorized charges, request a replacement card when ready and report the suspicious activity to Bilt.
- You do not lose your account, rewards, or payment history when you get a new card — only the physical card and its number change.
How to request a replacement card through the Bilt app
Open the Bilt mobile app and go to the card settings menu. Look for an option labeled "Card" or "Manage Card" — the exact wording depends on your app version. Tap "Order a replacement card" or "Get a new card." The app will ask you to confirm your mailing address and may show you a timeline for delivery.
If the app does not show a replacement option, or if you prefer to speak with someone, call Bilt's customer service number on the back of your card. A representative can order a replacement and answer questions about your account at the same time.
What happens to your old card number
When you receive a new card, your old card number stops working when ready — Bilt deactivates it to prevent fraud. Your new card will have a different number, expiration date, and CVV (the three-digit security code on the back). Any recurring charges you have set up — rent payments, subscriptions, or other bills — will need to be updated with your new card number.
Your account balance, credit history, and rewards points stay the same. You are not closing your account or starting over; you are straightforward getting a new physical card tied to the same Bilt account.
Updating recurring payments after you get a new card
Before your old card expires or is deactivated, make a list of any recurring charges you pay with it. This includes rent payments through Bilt, subscription services, utilities, or any other bills charged automatically. Log into each service and update the card information with your new card number, expiration date, and CVV.
If you forget to update a recurring charge before your old card stops working, that payment will fail. The merchant will typically send you a notice, and you can update the card information then. For rent payments specifically, update your landlord's payment method in the Bilt app or contact them directly to make sure your next payment goes through without delay.
What to do if your card is lost or stolen
Contact Bilt when ready — do not wait. Call the number on the back of your card, or use the app to report the card as lost or stolen. Bilt will deactivate it right away so no one else can use it. Request a replacement card at the same time.
Check your recent transactions in the Bilt app or online account to see if anyone made unauthorized charges. If you spot fraudulent activity, report it to Bilt during the same call. Bilt will investigate and may issue a credit to your account. Keep records of any unauthorized charges and the date you reported them.
Damaged or unreadable cards
If your card is bent, cracked, or the numbers are worn away so you cannot read them, you can still use your account online or through the app — the physical card is just harder to use in stores. Request a replacement through the app or by calling customer service. Bilt will mail you a new card at no charge.
While you wait for the replacement, you can pay bills and manage your account through the Bilt app or website. If you need to make a purchase in person and your card is unreadable, you can ask the merchant if they can manually enter the card number, or use a digital wallet if your phone supports it.
Frequently Asked Questions
Does replacing my card hurt my credit score?
No. Requesting a replacement card does not trigger a hard inquiry or affect your credit. Your account history and credit limit stay the same. The only thing that changes is the physical card and its number.
How long does it take to get a replacement card?
Replacement cards typically arrive within 7 to 10 business days. Delivery time depends on your location and the postal service. Bilt will provide an estimated arrival date when you order the replacement.
Can I use my account while I wait for the new card?
Yes. You can pay bills, check your balance, and manage your account through the Bilt app or website. You can also use digital wallet options on your phone if your device supports them. Only the physical card is unavailable until the replacement arrives.
What if I get a replacement card but my old one shows up later?
Destroy the old card by cutting it in half or shredding it. Do not use it — Bilt has already deactivated it, so it will not work anyway. Cutting it up prevents anyone else from finding it and attempting to use it.
Do I need to update my rent payment setup after getting a new card?
Yes, if you pay rent through Bilt using your card. Log into the Bilt app and update your card information in the rent payment section. If you pay rent to your landlord directly using Bilt, make sure your landlord has your new card number if they have it on file.