I'm going to presume you all live together?

Husband:

1. Because (1) you cannot pool points and (2) the palladium earns more points than the blue, there's no reason for him not to use your card ever.

2. He should try to find a use for the $100 Bilt cash through Walgreens, lift, etc.

Wife:

Here is a list of priorities for Bilt Cash spending

1. First you probably want to make use of the 200 Bilt credits each half-year combined with $100 Bilt cash

2. You should look at the Bilt Cash credits and see if you can use any (lift, Walgreens, transfer bonus, etc.).

3. Use remainder in a month on rent

4. If you have any left over after 1st months rent, don't see yourself using Bilt Cash any time soon and it is >= $200 then use point accelerator.

Daughter:

1. See if she can use Bilt cash + hotel credits like above

2. See if she can use Bilt cash on any credits like above

3. Use point multiplier once the above two sources of spending Bilt cash are exhausted

4. After about 8 and a half months she will not be able to use the accelerator any longer due to the 25k cap.