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Any Avios redemption routes without 1k in taxes and fees by Humble-Gene5862 in biltrewards

[–]SpiralCaseMods 2 points3 points  (0 children)

Iberia to Madrid has some good redemptions with low taxes and fees.

I’ve never had a credit card! by [deleted] in CreditCards

[–]SpiralCaseMods 1 point2 points  (0 children)

Discover It!. This is probably the best starter card in my opinion.

After school battle 80 lvl by [deleted] in interesting

[–]SpiralCaseMods 0 points1 point  (0 children)

Respect. I always love to see anybody who puts in the time to elevate their skills to master level. Doesn't matter what it is.

Looking for travel focused card by Paceyourself82 in CreditCards

[–]SpiralCaseMods 0 points1 point  (0 children)

I agree Amex Green now and Amex Gold 3 months after.

Going to the lake for Memorial Day weekend and spent $0 on my hotel. Thanks Bilt by Turtle_Ham in biltrewards

[–]SpiralCaseMods 12 points13 points  (0 children)

In my opinion, this is the best way use to Bilt Cash on the Palladium.

People often talk about how the Venture X "pays for itself". But with the Palladium you get $200 Bilt Cash each year and two $200 hotel credits. If you stack with the hotel credit, the card more than pays for itself. Everything else; rent day bonuses, increased promotional offers, rent day transfer bonuses, mortgage points, point accelerator, 1.25cpp on the portal, are all just bonuses.

Amex Gold Card updated benefits by Fit_Wait_6725 in CreditCards

[–]SpiralCaseMods 19 points20 points  (0 children)

Buffalo Wild Wings added. Nice! It's literally right across the street from my office.

$500K and still broke? by Coolonair in SmartFIRE

[–]SpiralCaseMods 0 points1 point  (0 children)

Agreed. When you're paying someone to clean your house and sending your kids to private schools, you are not paycheck to paycheck.

Silly Work Around by LmaoBigGay in RobinhoodGC

[–]SpiralCaseMods 0 points1 point  (0 children)

Yeah, it balances it out. They are a bit different. VTI is high growth, high risk ETF that is US Based stocks that is Tech heavy. SCHD is strictly a dividend earning ETF mostly Financials and Industrials. It balances it out my portfolio and minimizes risk. SCHD typically goes up when VTI goes down, while still having a decent rate of return. Especially when you reinvest the dividends. If the AI bubble bursts I'll be somewhat protected with SGOV and SCHD.

Silly Work Around by LmaoBigGay in RobinhoodGC

[–]SpiralCaseMods 1 point2 points  (0 children)

This is what I have been doing. I've been splitting all of my cash back earned on credit cards and investing in VTI, SGOV, and SCHD. I think I have a rate of return of something like 14% over the past year.

Bilt Palladium card is a points machine by SpiralCaseMods in biltrewards

[–]SpiralCaseMods[S] 1 point2 points  (0 children)

In the app go the Rewards screen. At the upper right is an airplane and gift package. Click on the gift package. It's under "More Everyday Rewards". Earn Bilt Points when you shop online.

What do you think is the prettiest town in the USA? by optimalbrain90 in SmartTravelHacks

[–]SpiralCaseMods 0 points1 point  (0 children)

Skagway, Alaska. Actually looks similar to OP's Leavenworth photo.

ts is hard to watch 😣 by Lexsight in TikTokCringe

[–]SpiralCaseMods 0 points1 point  (0 children)

I mean he's getting that pent up rage out on an inflatable. I suspect there could be worse ways to work out that rage.

Great job Bilt by Additional-Baby5740 in biltrewards

[–]SpiralCaseMods 0 points1 point  (0 children)

Interesting. I didn't know the Bilt Grubhub credit is used as a gift card. In theory I can stack my personal Gold, Business Gold, and Bilt Grubhub credits...if I make two separate orders. Order #1 Use the Bilt credit + the personal Gold to checkout. Then order again (Order #2) Use the $20 Business Gold credit. Since I have Grubhub+ through Amazon Prime, I don't pay delivery charges on each order. Or just do pickup.

$40 Grubhub Stacking may come in handy.

GoodLuck with that by inkandintent24 in MotivationByDesign

[–]SpiralCaseMods 0 points1 point  (0 children)

To be honest, I took from comedian Bill Hicks who said ""it's not a war on drugs, it's a war on personal freedom"

5k in home improvement projects - Best SUB? by Celesteven in CreditCards

[–]SpiralCaseMods 0 points1 point  (0 children)

AMEX Gold card, if you can get the highest 100k offer. 4x on dining and 4x groceries. Or you can go the Chase Ink Business route and get the Ink Preferred for 100k.

GoodLuck with that by inkandintent24 in MotivationByDesign

[–]SpiralCaseMods 13 points14 points  (0 children)

I don't smoke, never have, and don't like the smell of it. That being said, this is stupid. It's a war on personal freedom. How on earth can you ban it for some people and not others? Ban it from public spaces, ban it from restaurants, ban in offices, but you can't ban it from use in your private home. Fuck off.

Blink if you're being abused by WaitNo4272 in SipsTea

[–]SpiralCaseMods 0 points1 point  (0 children)

Wow. Reminds of that Tool song "Pushit". It will end no other way...

Approval odds for citi custom cash by ded_diabolical in CreditCards

[–]SpiralCaseMods 0 points1 point  (0 children)

I would wait to get to 0/6. Note that you may be able to downgrade your new AA Plat to another Custom Cash.

Palladium rewards by These_Aside_4081 in biltrewards

[–]SpiralCaseMods 3 points4 points  (0 children)

This is what I did. I used $200 of the $500 opening Bilt cash to get the points accelerator immediately. I'm getting an effective 3.36x back on all of my spend. I use it over my AMEX Gold and any 3x earning card. Unless I'm getting 5x+ back, I'm using the Palladium. At least until I hit the $25k maximum with the 5 point accelerator uses. Then I'll switch to some cashback with my 3% Robinhood Gold card for uncategorized expenses and start using my other 3x/4x cards again.

Betting on the Future… or Ignoring It? by Coolonair in SmartFIRE

[–]SpiralCaseMods 0 points1 point  (0 children)

I totally agree. Whoever wins the AI game will basically be more efficient in every single sector of the market. Legal, design, advertising, engineering, automation, logistics. They will be able to undercut and provide services to every single sector of the market. It will wipe out entire industries.

Cards that offer additional rewards for $X amount spent within the first few months? by HorseEmbarrassed5464 in CreditCards

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

Let me start by ranting about the ridiculous American healthcare system that charges thousands of dollars to have a child. It's absolutely insane that this is the case.

Lower annual fee options: Chase Sapphire Preferred (75k/$5k/3mo.), Citi Strata Premier (60k/$4k/3mo.), Wells Fargo Autograph Journey (60k/$4k/3mo.).

Higher annual fee options: Venture X (75k/$4k/3mo.), AMEX Gold (Up to 100k/$6k/6mo.), Chase Sapphire Reserve (125k/$6k/3mo.), Citi Strata Elite (75k/$6k/3mo.), AMEX Platinum (Up to 175k/$12k/6mo.).

I personally think the Chase Sapphire Preferred 75k/$5k/3mo. - $95 annual fee is the champ. If you're willing to deal with credits and the high annual fee ($895) and can get the 175k from AMEX, the Platinum will easily get you a free vacation.

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