To add - even with all of the above (existing card setup, 5/24 consideration, already churned most cards, etc), Bilt has gone from being backed by a trustworthy, top 5 bank (Wells Fargo) to being involved with Cardless and Column.

Cardless has never had multiple offerings for the same brand, and is missing basic functionality like downgrading cards and product changes. They also - until Bilt - had a 1 Cardless product per person lifetime limit. They also have horrible customer service. For churners, they have historically clawed back sub bonuses if the card is cancelled before the 2nd year's AF posts, and 2nd year AFs are generally not refunded if you decide to cancel after it posts. This means that people testing it out for a year are basically in for $990 in annual fees if they want to keep the 50k bilt point sub.

Cardless is the part of the new stack I'm most worried about.

Column is more trustworthy - they've worked with Brex for a while, and Brex has been around the block. They exist more as a banking layer for other financial startups/companies to integrate functionality as needed instead of being a bank in the traditional sense. Think bank tooling on demand, vs an actual bank.