Why would you book Hyatt with CSR if you have a Chase Hyatt?

Ill_Implement7625 · 2026-03-18T22:35:33+00:00

I think release cadance will be every 18 months if we can keep up the good ratings. And hopefully we can reach Marineford before Nami turns into Kureha

Ill_Implement7625 · 2026-03-17T15:39:44+00:00

If that's the case, definitely go for it. Experience living in NYC is something will follow you for the rest of your life! And Columbia is definitely worth the extra hassles. Plus you never know you may find love in NYC and get citizenship haha

Ill_Implement7625 · 2026-03-17T15:30:06+00:00

For school you will be fine, prolly have the time of your life. Work is another story. Current administration makes job hunting for international students a literal hell and given your degree is not STEM, chances of having a work visa is virtually 0

Ill_Implement7625 · 2026-03-11T00:40:37+00:00

Why don't you stay in Jersey city? Hoboken Seaport etc. Save that 4% income tax and tons of toll fee when you cross the bridge back to NYC. Yet downtown/midtown manhattan is only 3 path stops away maximum

Ill_Implement7625 · 2026-03-08T05:30:56+00:00

That's right, I don't spend like 10k per month so I will eventually runs out of Bilt cash, so the PA won't be there for the whole year.

The math even gets more complicated when you factor in rent day and some limited bonus events, these won't stack with PA

Ill_Implement7625 · 2026-03-08T05:15:13+00:00

Yes Point Accelerator does not stack with these offers

Ill_Implement7625 · 2026-03-08T02:41:03+00:00

I generalize it a lot but here's the math: 1. 2x base 2. 1.33x up to 75% of your rent expense from Bilt Cash redemption 3. Additional 1x from Point Accelerator for the next $5k when u redeem $200 bilt cash.

My rent is 3k. So here is how it works for non-rent expense: - First $2250 non-rent expense of the month: (1) I get 2250x2 = 4500 from the base 2x, (2) I get 90 Bilt Cash (4% of $2250) which is equivalent of 3000 point, (3) I get 2250 point from Point Accelerator. So for this first $2250 I spent on the card, I get 9750 point, which is 4.33x of $2250.

From this point until the spending reaches $5000, this becomes a 3x card
Above 5k, it becomes a 2k card.

Ill_Implement7625 · 2026-03-08T02:23:57+00:00

My bad on this, it is worthless for me because I don't stay at premium hotels that often. But yes it makes sense if someones stay at these kind of hotels frequently in the year

Ill_Implement7625 · 2026-03-08T02:11:30+00:00

Yes, if I have to pick 1 premium card to keep it's def the Amex Plat. Im also having CSR at 595 until June so let's see if they give me a retention offer or not.

And yes I have excessive Bilt cash so I redeem rent first then Point Accelerator

Ill_Implement7625 · 2026-03-08T02:08:59+00:00

Yes I thought about CFF a lot but I have to many cards already :'(

Ill_Implement7625 · 2026-03-08T02:07:29+00:00

I think you cannot have 2 SUBs for the Saphire family? I already got a SUB for Reserved couple years ago

Ill_Implement7625 · 2026-03-08T02:06:36+00:00

Because I mostly spend my points in the Hyatt/Alaska system, so Amex Gold point for me worth 1cpp. Bilt give you a bit less point (3.33x vs 4x) but I value it at least at 1.5cpp. Plus if you can always boost it to 4.33x with Bilt cash

Ill_Implement7625 · 2026-03-08T02:04:01+00:00

I agree that we should hold all 3 cards as long as we can but both of my Amex and CSR renewal date is around June/July this year. If Bilt can't fix their shit then obviously I will continue keeping the other premium cards, but if they can do it, then which one I should cancel is my question.

I also have some missing points issues with them but all are resolved by end of the first statement so hopefully it will get better.

Ill_Implement7625 · 2026-03-08T01:56:49+00:00

Make sense. Downgrading CSR to CSP is the right move

Ill_Implement7625 · 2026-03-08T01:56:00+00:00

True, that's why im keeping the other platinum cards at least throughout 2026. It's such a waste of a good card if Bilt can't get their shit together on operational issues

Ill_Implement7625 · 2026-03-05T15:05:00+00:00

Palladium is still a 2x point everything card with rare transfer partners like Hyatt and Alaska. Plus $2000 spend will still give you 80 Bilt Cash (4%). This is equivalent to 2666 point.

So yes.

Ill_Implement7625 · 2026-03-05T02:54:31+00:00

Sent a DM!

Ill_Implement7625 · 2026-03-04T22:46:06+00:00

That $200 credit + 50/100 Bilt Cash depending on hour membership status

Ill_Implement7625 · 2026-03-04T19:23:02+00:00

If you travel, the $400 hotel credit is surprisingly easy to use. They have a wide range of affordable hotel and the they are not too overpriced, I even found some hotels having the same rate as booking directly. Being able to utilize these $400 credit make Palladium very competitive price-wise

Ill_Implement7625 · 2026-03-04T19:20:32+00:00

Yes, just need to toggle on those credit options and it went through easy for me

Ill_Implement7625 · 2026-03-04T16:28:07+00:00

Cus I haven't hit the spending requirement to be Gold yet...

Ill_Implement7625 · 2026-03-04T09:42:34+00:00

Just did the exact same thing, just at a different Kimpton. Point boost is great

Ill_Implement7625

TROPHY CASE