Worth applying with possible Bilt 2.0 incoming?

Hello all, I’ve recently moved and I’m now paying through a portal instead of Venmo so I am considering the Bilt card, and everything about it sounds great however I am a bit worried what this rumored Bilt 2.0 could bring. Basically I want to avoid any sort of rug pull from WF by deciding to get into Bilt 1.0 this late in the game. Maybe I should just worry less and apply? If anyone who has done some research into this has some info to share I’d be grateful! Thanks!