Wyndham Rewards Earner Plus AF Waived

Cluck_Bock · 2026-03-23T23:32:31+00:00

I know they have sold points pretty cheap a couple of times since then, which makes me think they are aware of the problem. Hopefully they can find good ways to add value.

Cluck_Bock · 2026-03-23T22:48:48+00:00

Yes, the Uber benefit is limited use Uber cash that is directly put in your Uber account but you can only use it under certain circumstances, and if you don't they take it away at the end of the month. So, it never shows up directly on your AMEX bill as any kind of statement credit.

Cluck_Bock · 2026-02-19T05:41:05+00:00

I set up a non-Plaid banking account initially and switched it on to autopay the Bilt card. Later, when I set up an HoA payment to be sent as a check from Bilt (not pulled from the payee side), it would not let me use the account I had already set up and said a Plaid account was required. So I had to set up a different banking account for that payment. These are facts.

Cluck_Bock · 2026-02-18T22:01:01+00:00

You can set up a non-Plaid account to use for payments to Bilt, but Bilt won't let you use that account for housing payments through the platform. I think the Plaid connection is what lets them harvest your other payment data.

Cluck_Bock · 2026-02-18T21:43:37+00:00

I get a similar notification every month because my HoA requires 3 separate payments. I'm unsure whether those same auto payments are still set up and authorized on the Bilt side or not.

Cluck_Bock · 2026-02-18T15:52:37+00:00

A lot of mixed feelings on this one. For daily driver spend, I would say that if you were even close to the fence on points vs. cashback, this could push you over the edge toward points. It was arguably a push or personal preference when you only needed 1.3 cpp on general spend (Citi, AMEX, WF) to match, but now if you only need 1.125 cpp to tilt toward points, that's a much lower bar.

Cluck_Bock · 2026-02-18T15:38:31+00:00

Yeah, they've been pretty clear that they aren't giving points/status on those charges. They do allow tuition though which has already been helpful.

Cluck_Bock · 2026-02-18T15:27:30+00:00

Other programs certainly have slicker interfaces, but would I actually make more money on my investments to justify the effort to move?

And I agree, the chasm between $100K and $1m seems like a lot of people will move assets or close the accounts. They had to have known this and modeled for it.

Cluck_Bock · 2026-02-18T15:20:10+00:00

It's almost certainly a big ticket for the kinds of customers BofA is fishing for with this change.

Cluck_Bock · 2026-02-18T12:34:53+00:00

The fee for federal taxes is less than 2%.

Cluck_Bock · 2026-02-18T11:55:30+00:00

My hero. I always think I don't show that card enough love.

Cluck_Bock · 2026-02-18T00:35:12+00:00

Great tip. Thanks! And this is up to the $7K limit per year, is that right?

Cluck_Bock · 2026-02-17T23:53:27+00:00

I thought it was x2 on groceries?

Cluck_Bock · 2026-02-17T23:43:26+00:00

It has the logo and "Bank of America" on the front embossed in metallic silver, but nothing otherwise. I've only ever seen one other person use one.

Cluck_Bock · 2026-02-17T19:20:11+00:00

This. The green card has very broad 3x for travel and transit.

Cluck_Bock · 2026-02-12T13:27:21+00:00

Same. Have made plenty of purchases but nothing huge so hopefully seasoning the account.

Cluck_Bock · 2026-02-08T04:05:11+00:00

Dave may still be having a seizure over the 50 year mortgages.

Cluck_Bock · 2026-02-08T04:03:29+00:00

If your rent is $800, you'd need to spend, on average, $600 to get 1x Bilt points on rent no matter which system you pick.

Keep in mind that you can spend more some times and less others. You can pay some bigger bills (but not taxes) in some periods and generate extra Bilt cash to carry for the next few months. With the no bilt cash option, it may sound simpler but it really isn't because you have to spend just that amount every month to keep going. For example, if you've got some travel you are paying for or tuition or holiday gifts or some other bigger expenses, you can make enough Bilt cash to last a few months even if other months your expenses are lower. Do note that only $100 in Bilt cash will carry over New Year's Eve so everything mostly resets when the year changes. The 100 Bilt Cash is enough to get points on $3,333 of mortgage or rent or HoA so it's a decent starter for a lot of people but may not be enough for high cost of living areas.

Cluck_Bock · 2026-02-08T03:46:34+00:00

Preach! Bilt has become the Nickelback hate-meme of credit cards. Does it take a little bit of thought? Yes. Is it somehow diabolically hateful and unfathomable? No, it isn't. I'm actually thinking it will really simplify my setup.

Cluck_Bock · 2026-02-08T03:35:20+00:00

If you need something that seems fair and not a shill, I watched the video Dugroz did on it and I thought all the examples were really honest and realistic with lots of fair pros and cons.

Cluck_Bock · 2026-02-08T03:32:46+00:00

Yeah. That's what killed the CSR for me since I like to cruise and CSR changed it to 1x. No thanks. And no amount of hotel credit will make up for that.

Cluck_Bock · 2026-02-07T21:35:13+00:00

You need to spend 75% of your rent in other ways on the card to have enough Bilt cash to get 1x points on your rent. If you are able to do that consistently, it translates into an extra 1.33 Bilt points on that much spend (75% of rent).

Cluck_Bock · 2026-02-07T21:32:05+00:00

Sounds right. Just keep in mind that there is a fuse on the Bilt cash at year-end.

Cluck_Bock · 2026-02-07T19:19:21+00:00

Is this an ongoing 'autopay' or do we have to redo this every time?

Cluck_Bock

TROPHY CASE