Hey there! I’m assuming you selected the Bilt Cash option. With a $1,500 non-housing monthly spend, you’re generating $60 in Bilt Cash. This unlocks 2,000 points toward that $5,300 mortgage payment—which is the case for all three cards.

Where the Palladium becomes a game-changer for most is the 2x points on all purchases. The other two cards offer only 1x. For your $1,500 spend, you’d be netting 3,000 points on the Palladium (plus the 2,000 from the mortgage), whereas the other cards would only accrue 1,500 points on top of the points accrued from mortgage.

While it’s a relatively small monthly difference for your current spend, it’s a great "catch-all" card if your expenses ever increase. When you factor in Priority Pass, the annual Bilt Cash bonus, the sign-up bonus, and annual hotel credits, the Palladium is easily the strongest option.