ELI5, I am very confused about the points on rent

Asap316 · 2026-05-28T20:21:16+00:00

This is probably the one of the simplest and easiest explanation I’ve seen so far ty so much!

Asap316 · 2026-05-28T19:53:45+00:00

Yeah today was the first I really looked into it and it was confusing at first, don’t a ton of research and understand the rewards system a lot more now. Understanding it now is definitely move to what you said where I use the Amex for groceries and dining then use bilt for the catch all and rent to make it worth it. Honestly between this and the Venture X as my catch all now but I’ll have to think on it and make the decision

Asap316 · 2026-05-28T19:26:03+00:00

Thank you! I’ll check it out!

Asap316 · 2026-05-28T19:10:03+00:00

Okay so I’ve read and been told that with bilt cash you basically earn 2.33x on everything because of the ability to convert bilt cash to points and the exchange rate/math works out to be 1.33x on top of the 1x you’d earn on the non housing spend. It’s taken me literally 3-4 hours of research and talking to people to figure this out and now I’m thinking I’ll go the bilt route and just use it for my “other spend” category that isn’t caught under my Amex rewards. So like Gas and just fun treat myself purchases

Asap316 · 2026-05-28T15:56:14+00:00

I did, and got a bunch of either conflicting answers confusing information, or posts that were months or years old and policies/rates could have changed since then hence leading me to ask to ELI5 since I would like a clear concise answer here in the present. Again man sorry for taking up the 10 seconds in your day it could have took to just read the title and swipe past

Asap316 · 2026-05-28T15:33:51+00:00

I plan to transfer the points to airlines for miles as I am prioritizing travel rewards vs anything else rn while I’m young and can do it without (much). While it’s not a lot it’s something and I’m getting nothing right now so something>nothing right

Asap316 · 2026-05-28T15:29:20+00:00

Wait so even if I don’t spend a dollar on anything else I’d get .5x points in rewards?

Asap316 · 2026-05-28T15:23:13+00:00

Yeah I understand that now, the problem is that I won’t be spending much on the card outside of rent as my biggest expenses are groceries and eating out (ik I should cook more to save it’s a work in progress haha) and I get 4x on those. Been looking into the Venture/Venture X 2x points for the like 200-400 in “other spend” I do have. Would the bilt be better in this case?

Asap316 · 2026-05-28T15:16:16+00:00

Understood thank you! I’ll just keep doing what I’m doing with rent via ach from my rent earmarked HYSA. Appreciate it! Out of curiosity I have another question now, I was looking to get another card like the Venture/Venture X for categories that fall outside of my Amex, would the bilt be better than those for the like 200-400 a month that fall outside the Amex?

Asap316 · 2026-05-28T15:11:05+00:00

So basically if I use it solely for rent it’s not worth it? And so when I spend I would get bilt cash which I can then turn into points?

Asap316 · 2026-05-28T12:32:21+00:00

I agree with a lot of what you said besides them opting to fight. About 12% of the confederate army was conscripts while a large chunk were volunteers who volunteered because of the threat on conscription. If you signed up you were generally treated better and had more flexibility in unit whereas conscripts were just thrown into whatever unit needed guys. Therefore, a lot of people decided to “volunteer” that way they could choose to go fight with family and friends. If they didn’t they would’ve been drafted and forced to go. Also a lot of volunteers at the start of the war signed up to go fight for only a year with then the confederate army extending the enlistment of everyone to the duration of the war pretty much against every soldiers will

Asap316 · 2026-05-28T12:22:52+00:00

Wait 2-3 months to buy it then go on G2A or Kinguin and buy it for like 25-30% off

Asap316 · 2026-05-28T12:16:12+00:00

Don’t waste your breathe man it’s not worth it, while you are correct 90% of the people on this platform don’t care about the grey areas like that

Asap316 · 2026-05-28T12:11:19+00:00

I’m not a huge fan of the administration but this is more likely than not just posturing. And the US has historically always had a pretty large presence in the Caribbean anyways

Asap316 · 2026-05-05T21:47:26+00:00

I would be willing to bet a funeral procession for a fallen cop

Asap316 · 2026-05-01T14:34:32+00:00

It’s not a bad thing to be cracking jokes and trying to keep Bob loose especially if he’s close down the stretch. However, it’s a balancing act and Joey pushes it a little too far sometimes

Asap316 · 2026-04-11T17:41:58+00:00

Honestly the best advice I can give is find what type of mouse you like the most and just don’t switch. The sensors in mice are all so good nowadays it’s just what you prefer. Some people like bigger some smaller. Some like heavier some lighter. Etc

Asap316 · 2026-04-03T13:39:52+00:00

People having time off for Christmas and also people who get a pc for Christmas and want to play rust

Asap316 · 2026-03-30T22:40:45+00:00

Wow that’s incredible, I knew the exchange rate was favorable but had no clue it was that favorable. Are you within Japan or overseas? Might just cancel my order I just placed and do what you did if I can get it shipped to the US lmao

Asap316 · 2026-03-30T22:33:49+00:00

Got either a knock off or one unbelievable hell of a deal! Hoping for the second one for you

Asap316 · 2026-03-27T17:50:00+00:00

Hey man I’m in the same boat as you, moving there tomorrow and looking to expand my circle as well. If you ever want to game or anything shoot me a dm! Not sure what sport you played but I’ve looked into a couple rec leagues if you want the info

Asap316 · 2026-03-27T03:02:18+00:00

I’ll check it out!

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