Craig Joseph

speaker

277 appearances 3 recordings 2 series first heard Jan 2025 last heard 19 Aug

Craig Joseph’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

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Smart Travel: Upgrade Your Getaways · Bilt to Last? Grading Bilt Rewards Six Months On · 19 Aug 2026 podcast

Hey, appreciate it.

Glad to be here with the built two point oh trauma group.

I mean to say that the rollout was rocky would be an understatement.

Immediately after the Built two point oh launch, Built announced major changes to the reward structure of their three new cards.

And beyond that, they left key details unclear.

So at the time I wrote an article and said that I felt like I was a reluctant participant in an ongoing beta test.

So here's a summary of what happened.

Built introduced a new rewards currency called Built Cash, but the details of it were sparse.

And when details were finally released, they were full of restrictions, including redemption caps, and an end-of-year expiration for all but $100 of built cash.

And that's a huge deal because you earn 4% back on one of these cards in built cash.

So if you use a card a lot, you get a lot of built cash, and then a lot of it expires at the end of the year.

Then two days after the launch, the built CEO came out and released a letter introducing an entirely new rewards option that completely

Like Bill's whole thing is housing payments and earning rewards.

You'd think they would have figured this out before the largest publicity event of the company's entire existence.

It's the most bizarre thing, right?

It's almost like they were crowdsourcing feedback and then change it after the fact because they were getting burned on Reddit so frequently.

And you know it's not ideal, Megan, to to your point about option one and option two, like we do this for a living.

I had to make multiple spreadsheets and charts to understand how the new option one that was rolled out after the release actually worked.

And like do you have to understand it calculus to get it?

Like it's a literally a stepwise decay function.

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