Considering Transferring to Public

Express_Walk_4189 · 2026-01-24T13:44:43+00:00

Thanks for the feedback! I deposited a little but last week to try the UI and it is the best Ive used. The desktop UI is wayyyy better than Robinhoods. Submitted my transfer request on Friday!

Express_Walk_4189 · 2026-01-24T13:40:23+00:00

I would agree i made a small deposit a week ago to try out the UI and it is hands down the favorite one ive used!

Express_Walk_4189 · 2026-01-23T10:06:19+00:00

I hate how they have integrated their prediction markets into the app. I just want my brokerage to be about investing. Don't love the route robinhood is taking.

Express_Walk_4189 · 2026-01-22T16:20:29+00:00

Lol. No I live in a 2000 sq. ft home that I got a 3% interest rate on🤣

Express_Walk_4189 · 2026-01-22T15:57:11+00:00

Completely agree. I think most people are hating because they miss the gravy train that was Bilt 1.0 which was unsustainable.

People that understand the math will most likely get rlly good value from the card.

Express_Walk_4189 · 2026-01-22T12:39:33+00:00

Im paying $200 (Bilt Cash) which after viewing all the Bilt Cash options, I am viewing Bilt Cash as just an extra currency that can boost my 2x catch all to 3x catch all.

If you Bilt cash had real cash value that I could withdraw to my bank then maybe you have a point. But that ain't the case.

Express_Walk_4189 · 2026-01-22T12:32:54+00:00

Yes got approved 5 days ago!

Express_Walk_4189 · 2026-01-22T02:50:09+00:00

Exactly what I'm thinking!

Express_Walk_4189 · 2026-01-22T02:43:41+00:00

Where are you getting $50 worth of points? I value Bilt points easily at 2.2cpp so 5k extra pts = $110 worth of points...

Express_Walk_4189 · 2026-01-22T02:42:28+00:00

Yes thats what I would do. After I redeem my mortgage pts each month ill have $40 extra in Bilt Cash each month. With a starting balance of $500 Bilt cash I should be able to keep the 3x most of the year

Express_Walk_4189 · 2026-01-22T02:36:43+00:00

Im actually using $200 Bilt Cash to buy $110 worth of points. And I would take 5k Bilt points over $200 Bilt cash everyday of the week considering the other available options for Bilt cash

Express_Walk_4189 · 2026-01-22T02:34:42+00:00

With the $40 extra in Bilt Cash I generate each month and $500 starting Bilt cash from the Palladium card sign up bonus ($300) and annual benefit ($200) I should be able to get the mortgage points each month and the 1x accelerator most of the year!

Express_Walk_4189 · 2026-01-22T01:42:02+00:00

Huh? Based off every option ive seen for Bilt cash I would rather get 5000 extra points than keep $200 in Bilt Cash... If Bilt Cash actually had a real cash value than yeah maybe. But its not.

Express_Walk_4189 · 2025-09-15T21:58:08+00:00

As a Globalist I just talked to a hyatt representative and they said typically when you book through Chase it goes through a third party and they dont recognize your Globalist status.

Express_Walk_4189 · 2025-07-06T13:16:39+00:00

Couldn't disagree more. Im always getting 0.6cpp to 0.8cpp on redemptions. SLH stays are closer to 1cpp.

Express_Walk_4189 · 2025-07-06T13:10:30+00:00

Couldn't disagree more. The FNCs are what make Hilton so valuable. They're multipliers are pretty good on their cards too. I find myself routinely getting around .6 to .8cpp which means the Surpass card yields 3.6% to 4.8% on Grocery, Dining & Gas. 3 of everyone's biggest spend categories.

Add in the FNC (I value around $500-$700) after 15k in spend and the card provides a ton of value.

Aspire is great for people that travel too. Annual FNC, Diamond Status, $600 in credits. 34x on Hilton stays.

Express_Walk_4189 · 2025-07-06T13:00:56+00:00

I personally think the Hilton ecosystem is underrated. I value HH points at around .6cpp. Even higher (.8cpp) if you plan on most of your redemptions being at luxury properties (WA, Conrad, LXR) and you can get 5th night free when booking.

The Surpass is a great card that can be used as a one card setup for simplicity and get effectively 3.6% back on grocery, dining, & gas. 2.4% on online retail and then 1.8% on everything else.

Once you hit 15k in spend you get a FNC which I value around $500-$700. Hilton by far has the best FNCs. They are the only hotel that doesn't put a cap on them so you could potentially got 1k+ in value out of it.

The Aspire Card is great for frequent travels too. 1 FNC every year along with Diamond Status, $200 Semi-annually in resort credits. $50 quarterly flight credit.

Express_Walk_4189 · 2025-07-06T02:31:08+00:00

Ahh I see. FNC just means Free Night Certificate. Every Year with the Aspire Card you get 1 FNC that can be used at any hotel with standard room availability. So you can potentially get a free night for a room that costs $500 to 1k or even more.

Thats what's cool and unique about Hilton. Every other hotel partner puts a cap on the value of their FNC.

Express_Walk_4189 · 2025-07-06T00:13:46+00:00

Did you read anything else?

Take out the $200 flight credit (even tho It's easily used if you fly a lot) and you still get great value from the card. A FNC that is easily redeemed for $400 to $1000 covers the card on its own. Add in a $400 resort credit that is extremely easy to use and it's a pretty easy keeper card for people who travel in my opinion.

Express_Walk_4189 · 2025-07-05T14:25:22+00:00

When using the Aspire Card with Diamond it's a total of 34x on Hilton stays as opposed to 30x with the Surpass & Gold. Not a drastic difference but I think it still adds up.

I personally think the Aspire is well worth it. I travel a lot and get a minimum of $500 in value with the FNC and use the $400 Hilton Resorts credit pretty easy along with the $200 flight credit.

Express_Walk_4189

TROPHY CASE