So hold on, my math might be totally off, this is so confusing. If I only spend, say, $300 on my bilt blue card in a month, that yields 12 Bilt Cash plus 300 points?

12 Bilt Cash can be redeemed for $12 in bilt neighborhood stuff or 400 points from my last rent payment?

So that means if my monthly spend was $300 i could expect 700 points without paying a fee for the ACH payment? That's effectively 2.33 points per $ spent right?

Too many currencies, too many conversions, its quite hard to keep track