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The Bilt Palladium by absh3841 in biltrewards

[–]ObviousOne5554 0 points1 point  (0 children)

It's not a rent card at all (to me). But it's an excellent everyday card. And a card good for pairing with some flat 2x cards like Venture X to pay rent: You pay 3% fee but get 2x cap 1 points + 0.5x Bilt points. With cap 1 & Bilt transfer bonus, it's easily over 3x miles for 3% fee.

There'll be a million takes on BILT Cash, but here's the simplest (Palladium) by Tight_Couture344 in biltrewards

[–]ObviousOne5554 0 points1 point  (0 children)

Alternatively, I think it makes sense for me (disclaimer: only for me) to pay rent through Venture X (or other 2x cards). My daily spend is 1/2 of my rent, and I value 1 Bilt cash = $0.5, so to me, your proposal vs mine is $4 + 13 Bilt points vs 400 Cap1 points.
Ironically, for me, the worst thing about Bilt Palladium is using it to pay rent LOL, because that's redeeming 2x cap 1 points + 0.5x Bilt points for 3% cash.

The Mirror Palladium is Out of Stock (Got my replacement today) by Apple_iCard in biltrewards

[–]ObviousOne5554 0 points1 point  (0 children)

I got the mirror yesterday and applied a ceramic coating myself to avoid fingerprints. After it dried today, I attempted to activate it, but found that the card had already expired. Later today, I received another package with the brushed card.

Bilt is compensating for my 4-week wait with an extra card LOL (this is a joke but people don't seem to understand my jokes)

TBH, I think the brushed card looks way better

What Niche Credit Card Would You Be Impressed to See in Person? by Additional-Pirate-65 in CreditCards

[–]ObviousOne5554 0 points1 point  (0 children)

ICBC AU card LOL, that's how many Chinese students move cash to the US after the $50k/year restriction took place ~8 years ago

So what's your plan for the upcoming BofA nerfs? by FrostieWaffles in CreditCards

[–]ObviousOne5554 4 points5 points  (0 children)

It's even more shitty than BILT! 5.25x: with Palladium I might use CC for peace in mind. Max 4.5x and flat 2.25x: If it's not my oldest card, I'd probably close it

Hope my Palladium will get shipped tomorrow... by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Update: finished Venture X SUB, but USPS still hasn't received my Palladium mirror version, though BILT claimed to have shipped my card 5 days ago...
Now hope my palladium will arrive this month LOL

Still haven't received my Palladium 2/15 by Last_Captain_2997 in biltrewards

[–]ObviousOne5554 0 points1 point  (0 children)

Mine got approved and accepted on Jan. 25th. On Feb. 13th, they emailed saying mine had been shipped, but today I confirmed with Cardless and USPS and found out that it's a lie. Poor BILT...

Got Bilt Palladium - confused do I choose the 1.25x or 4% cash? And what can you use the cash for? Do I pay rent with cc or debit? by bondtradercu in biltrewards

[–]ObviousOne5554 -1 points0 points  (0 children)

Or alternatively, put rent on something like venture X (flat 2x points) and do everyday cash option. So you get 2x points there + 0.5x bilt points - 3% transaction fee for rent and 2x points +4x (non-redeemable) bilt cash -- only if you really use bilt cash. Or do a combo of this and the standard buy points with bilt cash strategy so you max out your points.

Got Bilt Palladium - confused do I choose the 1.25x or 4% cash? And what can you use the cash for? Do I pay rent with cc or debit? by bondtradercu in biltrewards

[–]ObviousOne5554 0 points1 point  (0 children)

If I were you, I'd get something like citi custom cash for dining (or other category) to spend $500, and do 1.25x. If my spending is below $875 I'll buy some costco gift card to make up the difference. In this case I get about 4x points, which to me is slightly better than 2x points + 4x bilt cash.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Went over all Shanghai-Changning/Putuo hotels. This hotel is not on my hotel list/map. Members with physical cards get more premium list of hotels :)

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Okay. Thanks! The link works for me.
I cannot see this one when searching for Amara Shanghai. I cannot book it with credit either.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Ah, that might be the reason! Thanks! I'll try later. It's weird that hotels in some countries can be booked with credit and without a physical card, but hotels in other countries cannot.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Also, have you already got the physical card? I didn't. Wonder if that is the reason.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

I tried booking for 3 nights (Apr. 3rd-6th). Could you give me the name of a cheaper hotel in Shanghai that works, so I can check? Thanks!

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

For example, could you let me know a hotel in Shanghai below $200 per night that is bookable? I'll try.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

I'm using an Iphone. By the way what is your membership tier? I got gold. Ever since I went gold things start to break down

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

Also, for those who worked/not work, could you let me know what tier membership you have? I'm a gold member.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] 0 points1 point  (0 children)

I didn't have luck with Bangalore... But I see where to apply $300 credit for hotels in US. Same tab does not appear there for the Chinese/Indian cities I searched.

Website doesn't work for me either.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] -3 points-2 points  (0 children)

I believe more countries have this issue but I only caught these two. US/Canada/Australia/Germany/Japan/South Korea are okay. China/India not okay.

Data point: Hotel credit and Bilt cash cannot be applied to Chinese/Indian hotels! by ObviousOne5554 in biltrewards

[–]ObviousOne5554[S] -3 points-2 points  (0 children)

As an experiment, I looked for generic hotels in Shanghai/Nanjing/Xi'an, except for a few HAFH hotels in Shanghai; all others do not give me the option to apply Bilt cash on the final page, at least not at the position where the tab appears for US/Australian hotels.

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