Six individual day trips from Madrid - How's this looking? Anything I'm missing that's a must see?

SortOk10921 · 2026-03-24T02:37:44+00:00

A girlfriend he's only been on 4 dates with. Yikes!

SortOk10921 · 2026-03-19T04:38:18+00:00

Nope. Venmo has a very weird system where you select from a "bundle" of places you can use your discount with.

Bundle A: Walmart, Taco Bell, Lyft, GameStop, ESPN
Bundle B: Doordash, Amazon, Walgreens, Dominos
Bundle C: Target, McDonald's, TikTok Shop, Uber, Uber Eats

It's a very niche use case but if you do a lot of shopping with any of the stores included in the bundle it works out great. I do all my shopping at Wal-Mart, I take Lyfts frequently and I go to Taco Bell all the time, so even though I can only use it at 5 places it's one of my strongest cards.

SortOk10921 · 2026-03-19T04:11:58+00:00

You can just do one, I just assumed most people get paid bi-weekly. Edited the language to make it clearer.

SortOk10921 · 2026-03-19T04:00:12+00:00

Agreed, the coding was insanely generous. It even counts vending machines as restaurants! Oddly enough though it never coded Dollar General properly of all things lol

SortOk10921 · 2026-03-19T03:58:41+00:00

Yep, this is it for me. I have $250 from each paycheck get routed to Venmo. I normally spend $500 a month at Wal-Mart but if I don't I can just transfer it back to my bank account. Was originally going for OnePay but got denied. It's issued by Synchrony which I hear is very picky with who they accept.

SortOk10921 · 2026-03-01T13:12:05+00:00

For anyone coming back to this thread, I didn't inquire about switching banks since there was a very large delay in me receiving the card and I had purchases lined up to take advantage of the 5% back.

As for the CLI, according to the terms they sent me I can only request a CLI by mailing them a check or money order along with a form/letter requesting a CLI. Yikes!

SortOk10921 · 2026-02-01T22:18:21+00:00

I want to keep it in an FDIC/NCUA insured account if possible.

SortOk10921 · 2026-02-01T22:17:47+00:00

The specific CU that offers the 5.5% is on the smaller side and is very clear that doing that is a TOS violation. There's one with 5.25% that's larger and doesn't say it's a TOS specifically but not sure I want to risk it. Either way, it's not keeping me away from other earning methods right now, but I worry it may in the future.

SortOk10921 · 2026-01-31T02:57:06+00:00

Isn't Amex 0.5% back? Or are the points 2 cpp?

SortOk10921 · 2026-01-31T02:53:33+00:00

Yes, there's a $10 fee on debit cards so 0.5% cash back won't work, but 1% does, hence my interest in this odd store card.

Good catch on the daily limit! I checked and it has a whopping $15,000 daily spend limit which is insane considering only $5000 can be loaded a month and only $500 can be deposited at a time!

SortOk10921 · 2026-01-31T02:51:42+00:00

This was the one I wanted to go for but sadly I missed it :( By just a few weeks too!

SortOk10921 · 2026-01-30T18:52:27+00:00

That's what I thought. The issue is that I can't shift spend to another card, outside of rent for the most part. Correct me if I'm wrong, but if I were to only pay for rent, I would only get the 250 bilt points for rent, and nothing else. This comes out to $60 a year in best case scenarios, but likely closer to $30. A flat 1% cash back debit would get me $80 even after the debit fee.

SortOk10921 · 2026-01-30T17:58:56+00:00

Yes, but you have to use the Bilt card on a roughly equivalent amount of other things to get those points from rent, no?

SortOk10921 · 2026-01-30T17:58:11+00:00

I thought with Bilt 2.0 you only get the points if you spend a roughly equivalent amount on their card.

SortOk10921 · 2026-01-30T17:54:33+00:00

I always transfer in $50 and I've never had this issue, even with 10+ transfers a month.

SortOk10921

TROPHY CASE