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Is Bilt Reward's Automatic FSA/HSA Savings Worth It? A Closer Look
Bilt Rewards made a splash in the loyalty program scene with its unique ability to earn points on rent payments without transaction fees. Now, Bilt has expanded its offerings with an Automatic FSA/HSA Savings feature through a collaboration with Walgreens, aiming to simplify healthcare savings. But is this new feature really worth your time, or could a more versatile tool like Kudos offer you even greater value? Let’s dive in.
What is Bilt’s Automatic FSA/HSA Savings?
Bilt’s Automatic FSA/HSA Savings program is designed to streamline the use of Flexible Spending Account (FSA) and Health Savings Account (HSA) benefits. Here’s how it works:
- Automatic Identification of Eligible Items: When shopping at Walgreens using a card linked to your Bilt account, the system automatically identifies FSA or HSA eligible items and applies your benefits at checkout.
- Seamless Application of Benefits: You can use any card linked to your Bilt account without needing a separate FSA or HSA card. Bilt applies your benefits at checkout, making the process hassle-free.
- Earn Bilt Points: In addition to using your healthcare benefits, you’ll also earn Bilt points on your purchases, with bonus points available on Walgreens-branded items and prescription refills.
This program adds convenience by removing the need to carry separate FSA or HSA cards and helps you avoid the hassle of determining eligible items on your own.
Consider using your HSA/FSA funds for preventive care items like sunscreen and prescription glasses, which are often eligible and help you take care of long-term health needs.
The Value of Bilt’s Program
Bilt’s Automatic FSA/HSA Savings program is a valuable addition, especially for those who frequently shop at Walgreens and are looking to simplify their healthcare savings. It’s part of a broader Bilt Rewards ecosystem that offers points for rent payments, dining, travel, and more. If you’re already invested in Bilt Rewards, this new feature could enhance your overall experience.
However, Bilt’s program is primarily beneficial within specific contexts—such as rent, dining, and healthcare shopping at Walgreens. If you’re looking for a more comprehensive tool that maximizes rewards across all your online shopping, you might find that Kudos offers a superior alternative.
Kudos: The Smarter, More Versatile Alternative
While Bilt’s program has its merits, Kudos stands out as a more versatile tool that can help you maximize rewards on every purchase, not just healthcare or Walgreens-specific items.
Why Kudos?
- Universal Rewards Maximization: Kudos works on over 3 million websites, providing savings and rewards wherever you shop online. Whether you’re buying healthcare products, groceries, or gadgets, Kudos helps you get the most out of every purchase.
- Automatic Best Card Selection: Kudos automatically suggests the best credit card to use for each purchase, ensuring you maximize rewards, points, and cash back. This feature is invaluable if you have multiple cards and want to ensure you’re always using the one that offers the highest return.
- Enhanced Rewards with Kudos Boost: Kudos partners with merchants like Walmart and StubHub to offer 2X your usual rewards. This means that if you typically earn 3% back on a purchase, Kudos can help you double that to 6%, leading to significant savings over time.
- Seamless Integration: Kudos is easy to use and integrates seamlessly into your online shopping experience. Once installed, it works in the background to optimize your savings without requiring extra effort on your part.
Bilt vs. Kudos: Which Offers More Value?
- Flexibility: Bilt’s program is great if you’re already engaged with its ecosystem, but Kudos offers broader flexibility, applying its savings potential across a wide range of purchases, not just at Walgreens or in specific categories.
- Maximized Rewards: Bilt Rewards are valuable, particularly for rent payments and specific purchases, but Kudos ensures you’re always earning the maximum rewards possible, regardless of what you’re buying or where.
- Ease of Use: While both programs are user-friendly, Kudos’ ability to work across all online shopping platforms and automatically optimize your rewards makes it the more powerful tool for comprehensive savings.
Key Takeaways
- Bilt Rewards: Ideal for those deeply invested in the Bilt ecosystem, offering strong rewards on rent, dining, travel, and healthcare at Walgreens.
- Kudos: Provides universal savings across all online shopping categories, helping you maximize rewards and cash back on every purchase.
- Overall: Kudos offers a broader, more powerful solution for maximizing rewards and savings, making it the smarter choice for comprehensive financial benefits.
For comprehensive savings and the highest possible rewards, Kudos is the smarter choice. Start using Kudos today and unlock greater value on every purchase, including healthcare.
FAQs
How do I use Bilt’s Automatic FSA/HSA Savings?
To use Bilt’s Automatic FSA/HSA Savings, simply link your debit or credit card to your Bilt account. When you shop at Walgreens, Bilt will automatically identify eligible items and apply your FSA or HSA benefits at checkout, along with earning Bilt points.
Can I use Bilt’s Automatic FSA/HSA Savings at other retailers?
No, this feature is currently limited to Walgreens. However, Bilt Rewards can be earned through a variety of other activities, such as dining, rent payments, and travel.
What makes Kudos different from Bilt?
Kudos is a free AI-powered smart wallet that helps you maximize rewards across all online shopping, not just specific categories like rent or healthcare. Kudos suggests the best credit card for each purchase and can double your rewards at partner merchants.
Can I use both Bilt Rewards and Kudos together?
Yes, you can use both tools to enhance your savings. For example, you can earn Bilt points on rent payments and healthcare purchases at Walgreens, while using Kudos to maximize rewards on all other online shopping.
Which tool is better for saving money?
Kudos is better for comprehensive savings across all online shopping. While Bilt offers valuable rewards within its ecosystem, Kudos provides more versatility and higher overall savings potential.
For these reasons, if you’re serious about saving money and earning rewards, Kudos should be your go-to tool for online shopping. Plus, Kudos is free to use and can help you unlock even more savings with exclusive bonuses and rewards. Start using Kudos today and take control of your spending.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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