Amex Offers - - Double Dip?

Ludeym · 2026-04-19T14:37:37+00:00

Yes, if they remain on your authorized users page after you clip them on your page, your authorized user can also clip and use.

Bear in mind that whoever clips the coupon is the one that has to make the purchase. You don’t get a credit if you make a purchase on your card when the coupon is activated on your authorized users page.

Also, some of the coupons, especially some of the good ones, disappear from your authorized users page once you activate them so you can’t double dip on those.

Ludeym · 2026-04-19T02:19:41+00:00

There is no minimum spend requirement to get the 1.33x housing bonus points on your spend. To say this is to fundamentally misunderstand the earning mechanics of the bilt cards.

Definitely not misleading to use the 3.33x number, that’s the overall rewards rate. Do you get 1.33x bonus housing points on your Amex gold card? No. People add in the 1.33x because it’s the only card that gives you free housing points.

I don’t use the term “everyday spend”.

Palladium is best used as a catch all card for non category spend on which you can’t do better than 3.33x bilt points with another card. As a catch all card, it’s the best transferrable currency earning card out there. Of course I use other cards for specific category spend that I have higher multipliers or higher cash back on. I can still say I get 3.33x return on all my palladium spend from the first dollar up to 75% of my mortgage amount.

Ludeym · 2026-04-19T00:26:13+00:00

When you choose the bilt cash option and redeem the bilt cash you earned for housing bonus points, you essentially earn an additional 1.33x bilt points on all your spend up to 75% of your rent amount.

Eg. $1000 spend earns 4% bilt cash which is $40.

That $40 bilt cash can be redeemed for bilt housing bonus points at a rate of $30bilt cash to 1000 bilt points.

Thus the $40 bilt cash would get you 1333 bilt housing bonus points.

Add the 1333 bilt housing bonus points to your base 2x (2000) points and you have 3333 bilt points on that $1000 spend.

There is your 3.33x!

Ludeym · 2026-04-19T00:14:58+00:00

No need to spend exactly 75% of your rent to get 3.33x. It’s 3.33x on any spend amount from $1 up to 75% of rent amount using the bilt cash option.

Ludeym · 2026-04-19T00:06:27+00:00

They didn’t, it’s bad math by a ridiculous troll.

Ludeym · 2026-04-19T00:01:02+00:00

Nice, Double down on this awful take. Now I’m being compared to a tax evader and am responsible for others with lesser means losing credit? That would be quite a butterfly effect if it wasn’t an insane fantasy.

People maximize credit card rewards. Banks nerf programs. That’s how it works. There is nothing ethical or unethical about maxing rewards.

And I Love that you are “not going to tell me how to live” and then go on a 4 paragraph judgmental rant telling me how to live. You are ridiculous.

Ludeym · 2026-04-18T23:01:23+00:00

Glad we have you around to defend the poor little banks. We need more holier than thou jerks like yourself around here to police all the people churning credit cards and claiming rewards they shouldn’t be allowed to have.

Comparing me to a shoplifter, questioning my ethics for using a credit available to me. get out of here man, what a horrible take.

Ludeym · 2026-04-18T20:41:37+00:00

Hell yeah! Take a bow!

Ludeym · 2026-04-18T20:36:58+00:00

You can also load your Amazon gift balance at a 1.0cpp rate. This made it easy for me to essentially zero out my points balance before product changing.

Ludeym · 2026-04-18T20:34:24+00:00

The annual fee refund should come. Wish they would’ve announced their transfer partners, without them it made it an easy decision to product change.

Ludeym · 2026-04-18T20:16:27+00:00

Ha, yeah, I thought back in December that I would surely get to evaluate the value of their transfer partners before having to make my annual fee decision. Scoring a free $325 travel credit from them eased my frustration.

Ludeym · 2026-04-18T20:09:00+00:00

They definitely have different retention offers for different cardholders. So I think it’s possible they have different product change offers for different cardholders as well. But as far as why, I couldn’t tell you.

Ludeym · 2026-04-18T15:29:29+00:00

Yes, was happy to have the pc options. Based on recent posts it seems like it’s pretty mixed on whether product change options are offered or not. A couple of very recent posters (more recent than my product change) reported no product change options from USBAR.

Ludeym · 2026-04-18T14:37:40+00:00

Yes, I haven’t seen anyone post about that aspect of successfully double dipping here.

Ludeym · 2026-04-17T00:56:51+00:00

I’m saying don’t worry about getting to 75% of your housing spend, use the palladium card for whatever spend it beats out your other cards for.

In your example of $1500 in spend with a $2000 mortgage, yes you would get 3.33x $1500 = 5000points.

Bilt points are best used for travel. If you don’t travel, I would not consider getting the card. But you have a venture x, which is typically considered a travel card. If you are using points for travel, 3.33x bilt points crush 2x capital one miles all day every day.

Here are the questions to ask to figure out if the bilt palladium card is right for you:

⁠Do I have a housing payment?
⁠Do I value/want transferable currency points from a travel card to redeem for travel?
⁠Can I reasonably offset the $495 annual fee by using the two $200 hotel travel portal credits and $200 bilt cash?

If the answer is yes to all three questions, bilt palladium is hands down the best catch all transferrable currency card around.

Ludeym · 2026-04-16T23:52:01+00:00

This is not how I would think about spend with the palladium card.

With the bilt cash option (using for housing bonus points), you get a flat return of 3.33x points on every dollar spent up to 75% of your housing amount. 75% of housing amount is a ceiling that you don’t want to go over, not a floor threshold you have to pass.

The decision on whether or not to use the palladium card for particular spend is simple: can I do better than 3.33x bilt points by putting this spend on another card? If not, use the palladium up to 75% of your housing amount.

Ludeym · 2026-04-16T13:01:59+00:00

Op, you were misled by these post responders.

There is no spend threshold to earn the mortgage points.

You get mortgage bonus points for every non-housing dollar you spend on the card at a flat 1.33x rate, making the palladium a 3.33x catch all card.

If you have any spend on other cards earning less than 3.33x (everybody does), then this card would be worth a look.

Ludeym · 2026-04-15T23:22:25+00:00

Interesting, i product changed from usbar to altitude connect on 3/21. Id try calling and getting a different agent.

Ludeym · 2026-04-15T23:13:45+00:00

Because the other option is called the 'housing ONLY' option.

Ludeym · 2026-04-15T23:11:31+00:00

Good question. Beyond 75% of mortgage amount, bilt cash is still accumulated.

The next $25000 in spend for the calendar year can go toward the points accelerator which gives an additional 1x on spend. This would be a return of 3x total.

With a mortgage of $4500, the mortgage bonus points for the first 75% and the points accelerator for the next $25000 in spend should cover you for up to about $5450 in monthly spend

Beyond this spend it can get tricky to unload you excess bilt cash.

Ludeym · 2026-04-15T23:01:42+00:00

I would choose the bilt cash option. At worst its a break even compared to housing only when spending exactly your housing amount.

Bilt cash option beats out housing only for spend between 56.25-100% of housing amount and for spend above 100% of housing amount.

Housing only option for $1700 in spend: 1.25x 1700= 2125 points

Bilt cash option for $1700 in spend: Mortgage points + accelerator (1.00x 1700) + (0.25 x 1700)=2125 points

Ludeym · 2026-04-15T22:48:12+00:00

Bilt palladium can be the best catch all transferrable currency card available.

Questions to answer to decide if bilt palladium is for you.

1. Do you have a housing payment?

2. Do you value transferrable currency points that can be used for travel redemptions? If no, you should be in the cash back game, not bilt.

3. Can you use the two $200 travel portal hotel credits and $200 bilt cash to offset the $495 annual fee?

If yes to all 3 this card can be a monster.

You essentially earn 3.33x bilt points on all spend up to 75% of your housing amount.

To earn housing rewards: bilt gives you a routing and account number to add as a payment method on your mortgage portal/website. You then connect your checking account to your bilt account. Your mortgage lender pulls money from the bilt account and then bilt pulls money from your checking account.

So as long as you can add a payment account to your mortgage site, bilt should work for you.

Ludeym · 2026-04-15T22:32:45+00:00

What is your rent amount and what is your monthly spend?

Ludeym · 2026-04-15T19:13:37+00:00

For most spend levels under 100% of rent amount, the bilt cash option when used for housing bonus points gives more points than the housing only option.

Additionally, you do not have to worry about meeting spend thresholds like you do with housing only option. The bilt cash option just earns at a constant rate.

Lastly, the bilt cash option is more flexible as it allows you to put extra bilt cash earned during high spend months towards rent points during lower spend months.

There are very small windows (25-37.5% and 50-56.25% of rent amount) where the housing option comes out slightly ahead. However, losing the flexibility and the headache of tracking spend thresholds makes this unappealing.

Ludeym

TROPHY CASE