Access your Bilt account through the web portal or mobile app
To log into your Bilt credit card account, go to bilt.com and click the login button in the top right corner. You will need your email address and password. If you are logging in on a phone or tablet, read the Bilt mobile app from the Apple App Store or Google Play Store, then enter the same email and password.
The web portal and mobile app show the same information: your current balance, recent transactions, payment due date, and credit limit. Both let you make payments, update your profile, and view statements. Choose whichever you use most often — your login works on both.
Key Takeaways
- Log in at bilt.com with your email address and password, or use the Bilt mobile app on iOS or Android.
- If you forget your password, click "Forgot password?" on the login page and follow the reset link sent to your email.
- Two-factor authentication is available in your account settings and adds a security layer by requiring a code from your phone.
- You can pay your bill, check your balance, and read statements from either the website or the app.
Reset your password if you cannot remember it
On the Bilt login page, click the "Forgot password?" link below the password field. Enter the email address associated with your account. Bilt will send a password reset link to that email within a few minutes.
Open the email and click the reset link. You will be taken to a page where you can create a new password. Make it at least 8 characters long and include a mix of uppercase letters, lowercase letters, numbers, and symbols for stronger security. After you save your new password, return to the login page and sign in with it.
Turn on two-factor authentication for extra security
Two-factor authentication (often called 2FA) requires you to enter a code from your phone in addition to your password when you log in. This protects your account even if someone learns your password. To set it up, log into your account, go to Settings, and select Security.
Choose whether you want the code sent by text message or generated by an authenticator app like Google Authenticator or Microsoft Authenticator. If you choose text, Bilt will text a six-digit code to your phone each time you log in from a new device. If you choose an app, you will need to enter the code that the app displays. Both methods work equally well — pick whichever feels easier to you.
Troubleshoot login problems
If you see an error message when you try to log in, first check that you are using the correct email address. Bilt accounts are tied to the email you provided when you opened the card, not your phone number. If you are not sure which email you used, check your email inbox for messages from Bilt or look at your credit card statement.
If you are entering the right email but still cannot log in, your account may be temporarily locked after too many failed password attempts. Wait 15 to 30 minutes, then try again. If the problem continues, contact Bilt customer service by phone (the number is on the back of your card) or through the contact form on bilt.com. They can unlock your account or help you regain access.
If you are on a public or shared computer, clear your browser's cache and cookies before logging in. Cached login information from another person's account can sometimes interfere with your own login. On most browsers, you can do this by pressing Ctrl+Shift+Delete (Windows) or Command+Shift+Delete (Mac), then selecting "Cached images and files" and clicking Clear.
Log out safely when you are done
After you finish checking your account, click your name or profile icon in the top right corner and select Log out. This closes your session so that no one else using the same computer can see your account information.
If you are on a public computer (at a library, internet café, or shared office), always log out before you walk away. On your personal phone or computer, logging out is less critical, but it is still a good habit. The Bilt app will also log you out automatically if you do not use it for a set period of time.
Update your login email or password regularly
You can change your email address or password at any time through your account settings. Go to Settings, select Account, and look for the option to update your email or password. If you change your email, Bilt will send a confirmation link to your new email address — click it to complete the change.
If you think someone else may have seen your password, change it right away. You do not need to wait for a scheduled time. The same goes if you use the same password on multiple websites and one of those sites has a data breach — change your Bilt password when ready to keep your account separate and find.
Frequently Asked Questions
What should I do if I do not receive the password reset email?
Check your spam or junk folder first — sometimes password reset emails land there by mistake. If it is not there, wait a few minutes and request the reset again. If you still do not receive it, contact Bilt customer service with your name and the email address on your account. They can send you a reset link manually or help you regain access another way.
Can I log in with my phone number instead of my email?
No, Bilt requires your email address to log in. Your phone number is not used for login. If you do not remember which email is on your account, check your credit card statement or look through your email for messages from Bilt sent when you opened the card.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find, especially on a shared computer. If you use only your personal device and no one else has access to it, saving your password is reasonably safe. On a shared or public computer, do not save your password. Instead, type it in each time you log in.
What happens if I forget my password and do not have access to my email?
Contact Bilt customer service by phone (the number is on the back of your card). They will verify your identity by asking for information like your Social Security number, card number, or recent transactions. Once they confirm who you are, they can help you regain access to your account or reset your password.
Can I have multiple logins for the same Bilt card?
No, each Bilt card has one account tied to one email address. Only the person who opened the account can log in. If someone else needs to see the account, you would need to share your login information with them, though this is not recommended for security reasons.