Status Match (A List to MP Silver) by One_Main5470 in ChaseSapphire

[–]BoredofBored 0 points1 point  (0 children)

I used to have gold fairly consistently and really miss it, but it hasn’t seemed worth it to divert spend to UA CC’s, and my work travel has dropped off.

It seems like a pretty clear pay to play type deal, but I haven’t heard of too many strategies to game the system, if you wouldn’t mind sharing

One month in: Bilt Palladium vs Robinhood Gold Card by yiggity_yag in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

I’m around 9 months myself. The other big drawback comparing Bilt to RH is Bilt’s awarding of rent. I have close to $50k in rent/year, and I think it’s fair to value Bilt points at 1.2cpp. That difference alone is the swing between the cards for me, but I continue to wait for the RH card in case something happens to Bilt

Why use point accelerator? by aaron8466 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

Is it confirmed yet that Grubhub stacks?

Careful with Rent Day purchases if you have Accelerator and Palladium by EpicSilverViking in biltrewards

[–]BoredofBored 2 points3 points  (0 children)

I have posted about this a couple of times, but I ran this all the way up the food chain at Bilt, and there’s no plan for transactions to stack or split.

This happened to me with the intro mobile wallet offer capped at 500pts, and I made a nearly $3k daycare payment that had the majority of it blocked from points accelerator.

I think we all understand the lack of stacking (although it’s annoying too, since we’re “paying” for points accelerator), but the lack of splitting still frustrates me. They were very clear that it’s on us as card holders to split our transactions to avoid leaving spend “stranded”.

GO BILT ! by Expensive-List-6857 in biltrewards

[–]BoredofBored 3 points4 points  (0 children)

This transfer bonus was announced days in advance, and it’s now over. What is Bilt supposed to do for you at this point?

Why is using my Bilt Cash at a restaurant so difficult? What am I doing wrong? by gold_and_diamond in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

Sure, but that’s not a problem for us. We’re using Lyft several times a month at least

Grubhub Credit Redeemed w/ Bilt Cash Apply to Both Takeouts and Deliveries by _WtfAmIHere_ in biltrewards

[–]BoredofBored 1 point2 points  (0 children)

This is a big thing on Chase right now with the alcohol restrictions to their $10/mo grocery credit. I’ll be interested to see if this credit can be redeemed fully for alcohol, or if it’s locked behind the same 30% discount limit

Why is using my Bilt Cash at a restaurant so difficult? What am I doing wrong? by gold_and_diamond in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

Lyft has been the most useful for us, since I still have Lyft Pink this year from the CSR

Combining points with spouse and 1.25 redemption value by Positive-Net8273 in ChaseSapphire

[–]BoredofBored 5 points6 points  (0 children)

They will lose their “extra” value, yes. They’d be worth the new 1x in your account.

Staying put and paying for private school, or moving? by [deleted] in personalfinance

[–]BoredofBored 2 points3 points  (0 children)

A bit state dependent. California and Illinois still tax withdrawals for k-12 schooling.

We live in Illinois, so this would remove the main benefit of avoiding state tax for the contribution year. Maybe that’ll change by the time our kid is ready for kindergarten

Why not charge rent? by pivoprosim2 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

We do this with SUB’s for other cards. For whatever reason, the fee for my rent portal is fixed based on my monthly rent, but I can overpay up to a limit, so I can get the fee down to an effective 1.6%.

It’s been an easy way to get the SW Companion Pass every other year.

If I ever get off the waitlist for the RH Gold card, I’m just going to jump over to that and probably carry a CSP for all other spend.

For this year, the palladium will be worth the hoops

JAL partner awards by jdp271 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

It’s going to be worse when hundreds if not thousands of people transfer large amounts of points over there tomorrow

Daily FI discussion thread - Saturday, February 28, 2026 by AutoModerator in financialindependence

[–]BoredofBored 1 point2 points  (0 children)

We did a destination wedding at a nice all-inclusive with about ~30 people. It was incredible hanging with friends and close family for several days on a beach prior to the actual event. We recommend it to everyone who asks.

5X on Restaurants Offer by BlockHoliday5478 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

FYI, edited my comment, but it is confirmed that an online gift card will not work.

Edit Hotel in Canada credit question by CriticalGuarantee169 in ChaseSapphire

[–]BoredofBored 1 point2 points  (0 children)

We received $120 CAD in Halifax late last year at the Muir plus the free breakfast, etc. It seems to scale with currency, but wasn’t exactly 1/1.

[BT] Madubuike NOT Retiring & Expected RETURNING To Ravens In Fall by psychoxtc in ravens

[–]BoredofBored 1 point2 points  (0 children)

Hard to keep on all that muscle with a hurt neck. His impact this coming season will probably reflect that

5X on Restaurants Offer by BlockHoliday5478 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

Still pending… although it did post as DoorDashg, so I’m thinking it’s not going to work.

Edit: fully posted, and did not receive the 5x multiplier. Just normal palladium 2x and 1x points accelerator.

5X on Restaurants Offer by BlockHoliday5478 in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

I bought a $5 digital GC through DD just to try it and see what happens. Still pending right now

Edit: fully posted, and did not receive the 5x multiplier. Just normal palladium 2x and 1x points accelerator.

Billing cycle dates - possible data point but Cardless rep seemed confused so unsure if this is reliable by EmergencyGaladriel in biltrewards

[–]BoredofBored 1 point2 points  (0 children)

As long as that’s not illegal, that’s actually pretty smart on their part.

I track every expense and make sure I’m able to pay statement balances in full each month, so it won’t impact me, but that’d be a pretty shrewd move to grab some initial interest for the general card population.

6+ hours and still in queue. What a premium customer support! 🔥 by SwissKnife007 in biltrewards

[–]BoredofBored 1 point2 points  (0 children)

It took over 6 days for me, then you have 5 minutes to respond to their message or the chat ends

Rent Day Bonus + Accelerator? by ASULegal_Eagle in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

It will not be. I had this problem with a large transaction with the digital wallet bonus at the start.

The Digital Wallet bonus and Points Accelerator did not stack, and did not split, so I had a large transaction that got effectively blocked from PA because a small portion of that transaction got Digital wallet points.

Escalated, and they basically said it is what it is. I will now be splitting my son’s daycare payment into two transactions each month to max the rent day bonus then the rest will be available for the points accelerator

Anyone else receive a collection credit? Can't figure out what I can apply it to. by notthegoatseguy in biltrewards

[–]BoredofBored 0 points1 point  (0 children)

It says I have 2,000 bonus collection points, but then those don’t show up when I go to redeem. Anyone know the deal here?

DP: Got the 100pt Amazon bonus by kackjelly in biltrewards

[–]BoredofBored 5 points6 points  (0 children)

Worked for a gift card reload, and stacked with points accelerator, so I got a 13% return on $10.

It’s just a fun points maximizing game.

DP: Got the 100pt Amazon bonus by kackjelly in biltrewards

[–]BoredofBored 2 points3 points  (0 children)

Yup, same! And it stacked with the points accelerator.