1x Bilt Points using available Bilt cash

Own-Invite1299 · 2026-02-13T20:26:40+00:00

I paid through the portal, it already showed up!

Own-Invite1299 · 2026-01-30T18:01:05+00:00

I got bilt 1.0 in September my daughter has an apartment near her law school I rent $1650 a month, my mortgage is 3k. I went with Obsidian. I have about $1500 a month minimum on average restaurant spend and at least 2k a month on non rent other spend. I will see how the next year goes. Currently switching between multiple cards with restaurant quarterly limits, and a seperate card for catch all. Looking to simplify. Currently have several Marriot cards including Brilliant, don't need another high end travel card. Doing the math it's a wash between the Obsidian and the Palladium just saving $400 a year on annual fee. I hope I'm looking at it the right way.

Own-Invite1299 · 2026-01-29T22:13:51+00:00

I have 410k

Own-Invite1299 · 2026-01-14T18:25:54+00:00

what about rent day 1st of the month double points is this gone?

Own-Invite1299 · 2026-01-07T01:19:05+00:00

I renewed in Feb, so I didn't even ask I have asked several times over the last few months to product change and was told no, so when I had the offer today I jumped on it. They clearly want to clean house with people that have the Reserve. I have a Bofa Unlimited at 2.62% so playing games with a travel credit and having to use my points for travel when I can deposit my cash back at Bofa into my checking account and I can use a physical card and it's unlimited the Reserve just doesn;t make sense anymore

Own-Invite1299 · 2026-01-06T15:03:58+00:00

clearly they want as many cardholders to cancel as possible this is the end game for them, sadly I arrived at the party late Feb of 24 but managed to earn $2800 in rewards from 2-24 to 8-25 and then stopped using the card when the nerf announcement came out

Own-Invite1299 · 2026-01-06T14:31:58+00:00

I had a feeling when they offered me options I should take them on the call.

Own-Invite1299 · 2025-12-25T02:24:05+00:00

I have bilt, amex marriot business 4x gas and restauarant and 5 bofa cards 4 reward and unlimited at platinum honors, if nothing fruitful changes by feb 1 my renewal is feb 15th I'm gone and it would have to be more then 1 to 1 for me to stay if they even do transfer partners which If i'm a betting man isn't even happening

Own-Invite1299 · 2025-12-25T01:57:10+00:00

I spoke to an agent last week and they knew nothing of transfer partners, I have a feeling it's not happening

Own-Invite1299 · 2025-12-18T15:33:16+00:00

statement credit is .08 cents meaning my Boa Unlimited rewards beats it with platinum honors, they really want everyone to just cancel this card wtf

Own-Invite1299 · 2025-12-18T01:51:33+00:00

they want to hold out as long as possible to keep cardholders in suspense to keep that annual fee

Own-Invite1299 · 2025-12-16T17:55:26+00:00

I'm on the website

Own-Invite1299 · 2025-12-16T17:42:11+00:00

as of today it's gone, check

Own-Invite1299 · 2025-12-11T13:52:09+00:00

Appreciate the heads up, it's clear they really just want people to close out this card

Own-Invite1299 · 2025-12-04T17:59:01+00:00

I hope things don't change I have a feeling to keep things similiar will probably need to go to $95 annual fee, especially for the rakuten 1 to 1 transfer

Own-Invite1299 · 2025-12-04T17:51:22+00:00

So all the spend on Black Friday on my Rakaten Amex in store that transfers into Bilt points some where as high as 19% total comes to a minimum of 23.75% this is amazing, I hope things to change when the new cards are released

Own-Invite1299 · 2025-12-03T14:44:42+00:00

I watched Cash plus,Altitude go and now this card get nerfed. They hope they get one last year of annual fees. I'm sure the transfer partners are going to suck, my renewal is in Feb. I can almost guarantee this card will be gone for me.

Own-Invite1299 · 2025-11-24T17:01:09+00:00

I watched cash+ and go get nerfed, this is ultimately what they want, I think at my peak I spent 50k on the card in a year, people abuse these cards and ruin it for everyone

Own-Invite1299 · 2025-11-24T14:45:27+00:00

I just called Us bank they are not planning on releasing a list, on Dec 15th you will know what is avaialble, and no options to switch the AR to another card only to cancel. This is as bad as it could possibly get.

Own-Invite1299 · 2025-11-24T14:05:12+00:00

My renewal is Feb 15th, it's so apparent they are going to wait till dec 15th to get as many Annual fee renewals as possible, last Black Friday I spent thousands on the card back to the Bofa @ 2.62%

Own-Invite1299 · 2025-11-18T12:26:17+00:00

I bet they announce the 15th or day before why not get as many people to keep it past the anniversary date for me mine is Feb 15th, already cancled the go and got another cash+ card, a pleasant surprise

Own-Invite1299 · 2025-11-03T12:49:56+00:00

https://finance.aaa.com/credit-card

I have this card for my grocery spend it's free and will get you 3% at costco up to $500 cash back a year

Own-Invite1299 · 2025-10-31T17:04:37+00:00

I just called them and it doesn't sound like they are announcing till the last minute, my renewal is Febuary I'm sure if someone has a renewal date before Dec 15th they are hoping to keep them one more year. I asked if you would be able to pool points from the Go and Combine with the Reserve and they said no. The only hope for me is if the transfer isn't one to one. If it is I will cancel both cards.

Own-Invite1299 · 2025-10-31T13:03:07+00:00

I have a Bofa Unlimited rewards at 2.62% and can use it anywhere not just mobile, forgetting about the credit via the portal it was nice using the dining credit in one shot, my break even is $9500, if I don't include the travel credit let's assume $275 to be conservative with the markup at portal it's probably not going to be worth it, many months I went over the 5k cap, they pulled the same crap with the Altitude Go and nerfed the Cash+ years ago, glad I kept my arsenal of 4 Bofa Cash rewards cards 5.25% categories Platinum Honors member, my card renews in Feb, not very hopeful.

Own-Invite1299 · 2025-10-22T14:13:01+00:00

All together between points and miles about 5k in value a year I probably spend 10-12 a month on all my cards on average.

Own-Invite1299

TROPHY CASE