The Bilt 2.0 rollout hasn’t been smooth. There’s already been confusion around the transition away from Wells Fargo and the move to the new Cardless platform.
But one complaint has been simmering under the surface, mostly in Reddit threads and message boards, and it’s only starting to get noticed: the new card doesn’t play well with the financial software many people use to track their spending.
A Less Obvious Bilt 2.0 Problem
One of the issues I ran into with Bilt 2.0 has nothing to do with earning points or redeeming them.
Since the switch from the Wells Fargo-issued card to the new Cardless setup, transactions no longer flow into personal finance software the way they used to.
Instead, the only place to view transactions is in the Bilt app or on the website.
That may not seem like a big deal if you only check your balance now and then. But if you use Quicken or similar tools to track spending across all of your cards, it turns something simple into a much more manual process.
No Syncing… And No Export Option
What makes the situation even more frustrating is that there’s no real workaround.
The new cards don’t just lack direct integration with financial software. They also don’t provide a way to download transactions.
The only way to see your transactions is to log in to the card’s app or website and review them there.
If you want those transactions in your financial software, the only currently available solution is to enter them manually.
Users Are Already Asking About This
I’m clearly not the only person running into this problem.
Over on Reddit and in the Quicken community forums, users have been asking how to connect the new Bilt 2.0 cards to their financial software. One Reddit user asked how to connect Bilt 2.0 to Quicken Simplifi after discovering that Cardless, Column, and Bilt didn’t appear as connection options. Another said it would be “a bummer” if Bilt ended up being the only one of their 50+ accounts that wouldn’t connect.
The same frustration shows up in the Quicken forums. One user noted that Bilt 2.0 is now serviced by Cardless and issued by Column N.A., then asked how transactions would be downloaded going forward. Another poster said they weren’t able to connect Bilt from Quicken at all.
Quicken eventually acknowledged the issue, saying it had an active alert related to Bilt 2.0 connectivity through Plaid, including transactions not downloading, $0 balances, and “institution not responding” errors. Plaid is the third-party service many financial apps use to link accounts.
There’s also been confusion about workarounds. In one Reddit discussion, language attributed to Cardless said the company is “working on direct integrations with tools like Quicken, Simplifi, YNAB, Monarch, Rocket Money, and QuickBooks.”
But in a separate Reddit thread, a user said support confirmed there was no direct way to export transactions from the Bilt app or website.
In other words, this isn’t just me being picky. People are actively seeking answers from Bilt, Cardless, and Quicken—and they still don’t seem to have a clear solution.
This Problem Isn’t Unique To Bilt
This isn’t the first time something like this has happened.
The Virgin Red Rewards Mastercard, issued by Synchrony, has had similar complaints from users who struggled to download transactions into their financial software. For example, in one Reddit discussion, users reported problems getting the card to connect with budgeting and financial tracking apps.
The Apple Card has also been awkward in this area. While it’s issued by Goldman Sachs, Apple has long emphasized managing the card through the Wallet app. Apple lets users export transactions in several common formats, but, as users in the Apple Support Community have noted, there is no direct way to connect Apple Card to Quicken, leaving manual imports as the main workaround.
Different cards, different reasons—but the end result is similar. When a card doesn’t work smoothly with the financial tools people already use, it becomes harder to manage than it should be.
Final Thought
For someone who only uses one or two credit cards, this might not seem like a big deal.
But if you’re managing multiple cards—and trying to keep track of spending requirements, statement credits, bonus categories, and promotions—it’s a different story.
Credit card apps are great for checking your balance or reviewing recent purchases. But for people who actively track spending across multiple accounts, integration with financial software—or at least the ability to export transactions—is an important feature.
What makes this particularly surprising is who Bilt 2.0 is marketed to. Bilt tends to attract a tech-savvy audience—people comfortable using apps, tracking spending, and optimizing rewards. For that group, a platform that doesn’t play well with the broader ecosystem of financial tools feels like an unforced error.
Because when it comes down to it, even a card with a strong rewards program can end up at the back of your wallet if managing the account is more cumbersome than it needs to be.
Want to comment on this post? Great! Read this first to help ensure it gets approved.
Want to sponsor a post, write something for Your Mileage May Vary, or put ads on our site? Click here for more info.
Like this post? Please share it! We have plenty more just like it and would love it if you decided to hang around and sign up to get emailed notifications of when we post.
Whether you’ve read our articles before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!
This post first appeared on Your Mileage May Vary
