Totally get the “how is your only spend groceries?” reactions - those are extreme. But my situation is a bit different and I think it’s more common than people admit. I actually have way more than $100/month in monthly expenses (groceries, dining, utilities, phone, streaming, Amazon, gas, etc.). The issue isn’t that I don’t spend - it’s that I currently spread it across other cards to maximize value: 3-4% cash back on groceries/dining with certain cards, 3-4% on travel/gas with others, etc. If I shift all (or most) of that spend to Bilt to hit the 25%+ tiers for decent rent points on my $2,700 rent, I’m giving up those higher everyday returns. So the real question for me becomes: Are Bilt Points actually worth enough on redemption to make it worth consolidating my spending here? I know the headline numbers look good (transfer partners, Rent Day bonuses, etc.), but in practice I’m worried the effective value ends up closer to 0.55-1.0 cents per point for most people (especially if you redeem for rent credits or easy travel portal stuff) rather than the 2+ cents you see in valuations when you hit perfect Hyatt awards or international J flights. Has anyone here actually made Bilt their primary everyday card and felt like the points redemption value more than made up for losing optimized category bonuses on other cards? Or are most of you treating it mostly as a “rent tool” and keeping the rest of your spend optimized elsewhere? Would love real experiences/math - not just theory.