Teen cards: Bilt's 13-year-old authorized users, rewards routing control
Bilt's authorized-user update is a quiet family play. Add up to five users free, minimum age drops to 13, and each gets a physical card plus app access. The real signal is rewards routing: you decide whether points land in your account or the teen's, so you can pool or split. Parental controls include card locks, removal, and per-user transaction views. Credit reporting for 18-plus authorized users lands later this year, so until then it's a teaching tool, not a credit builder.
the play
Add up to five authorized users in the Bilt app's Wallet tab and route their points to your account to pool for a bigger redemption.
Get one play like this every day.
The 5 O'Clock Drop - one tactical points move in your inbox at 5pm Mountain. Free.
source signal
This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.