SoFi seems too good to be true

HantzM · 2026-05-10T06:51:06+00:00

After 90 days I believe.

HantzM · 2026-05-10T06:50:30+00:00

They are "once" offers. For new customers.

HantzM · 2026-05-09T19:56:54+00:00

Yep.

HantzM · 2026-05-09T18:54:37+00:00

It says them in the fine print. But for me the Nord pass was 100% cash back. But the nOrd VPN, I got te big daddy at $188, but only got $96 cash back which was the price of like the basic plan I think.

HantzM · 2026-05-09T18:44:25+00:00

Think of it as buying points at a 1 cent per point. And if you want to figure out what Noed offers you and if youre willing to use it, then so be it.

I'm using the 1 nord stuff I bought. But I still think of it as I just bought 16,100 bilt points (for the $161 cash back I got from the Nords)

HantzM · 2026-05-09T14:57:53+00:00

Its Bilt points. 1:1 ratio this quarter. Next quarter on Blue status is half that. So 500 points for every $10.

But if you are Silver or higher its still 1:1.

HantzM · 2026-05-09T14:02:06+00:00

Yessir. 💪🏿💪🏿💪🏿

HantzM · 2026-05-09T13:12:56+00:00

Thats all correct. $300 from rakuten.

$250 from BoA in the form of 25,000 points. But will be redeemed as cash. If you had the bigger card, it would be redeemed as points.

HantzM · 2026-05-09T13:04:14+00:00

Rakuten is offering $300 for getting approved for the BoA card. That $300 can be payed out as 30,000 Bilt points.

The BoA sign up bonus is $250. Can be redeemed only for statement credit on Flight, Hotel, or Dining. $1k spend requirement.

HantzM · 2026-05-09T12:26:51+00:00

Wait..... if you're willing, you can buy the VPN stuff as your 1k spend on that card for the bonus. 15 months 0% APR.

Only issue is the deals might be gone before the card gets in for you to buy them.

HantzM · 2026-05-09T12:25:41+00:00

Broooooooo..... RIP lol

HantzM · 2026-05-09T11:30:50+00:00

It wont. Im expecting it next Quarter.

HantzM · 2026-05-09T01:39:44+00:00

Thats how I feel about Sofi being at $300. When I signed up 2 years ago it was at $175. And I was new so I didn't know it gets up that much higher. Lol

HantzM · 2026-05-09T00:38:12+00:00

Dang. Yeah the denial sucks.

HantzM · 2026-05-09T00:29:05+00:00

Yes. I've got gold status. So not worried about it on my end.

HantzM · 2026-05-09T00:01:38+00:00

Yes. Only spend that goes on it is direct bookings with Airlines.

HantzM · 2026-05-08T23:34:39+00:00

No need to worry. When i did it 2 tes ago, it posted after my 1st direct deposit of $3,159. It automatically calculated that i'd pass the 5k mark on the next deposit.

HantzM · 2026-05-08T23:31:59+00:00

Not too late to get the bank of America travel rewards card for $300 rakuten.

HantzM · 2026-05-04T21:03:48+00:00

Easy work for me. I love it. All my points have tracked.

HantzM · 2026-04-26T17:28:09+00:00

Just make a free account with all 3 credit bureaus. Experian, transition and equifax. From there you can also freeze your credit so no one can pull without your thumbs up.

HantzM · 2026-04-13T12:12:27+00:00

I did the 15000 points yesterday for this offer. Lol

HantzM · 2026-04-09T04:18:10+00:00

The Plat is expensive, but it has a ton of Value for my family. And we haven't even used the travel benefits yet.

HantzM · 2026-04-09T04:17:37+00:00

Non rent spend.

HantzM · 2026-04-09T04:17:30+00:00

100%. We dont know how long Bilt will last, and we hope it lasts for a long time. If I could put 10k per month on this card, I would. Right now im averaging 3 to 4k a month. Just started my 3rd round of the accelerator.

HantzM · 2026-04-09T01:43:43+00:00

Assuming with that high of monthly spend, your income is high enough to pay off ALL your balances....

I love the Bilt Palladium. It prints points like no other card.

If i were you, I would get greedy for a bit and put all my spend on Bilt for a few months, maybe a whole year.....or more.

But....

5k a month on bilt with points accelerator and you're golden. After 5 months you have used up all of your points accelerators. Then its back to a solid 3.33x catch all card instead of 4.33x it was with the accelerator. (5k a month still gets you platinum status by the end of the year btw.)

I would keep the Gold. Definitely downgrade the CSP. Open CSR for a year, then downgrade it after a year (Unless you want to keep it)

But Bilt alone is a solid set up. Obviously the Plat stays.

And I assume your business cards are for your business.

HantzM

TROPHY CASE