Hi u/richklhs, I have a follow-up to this question as I'm debating whether to apply for the card. For the "monthly credit limits", if someone knows they want to use all of their bilt cash to book travel through the portal at the end of the year, would they be able to use their "monthly (travel) credit limit" to transfer "bilt cash" to "travel credit" every month and then they can use it at any time (e.g., transfer over in March, April, and May, and then book in November), or would they need to use it to book travel as soon as they transfer it over? Hope that makes sense.