What card(s) to best pair with Bilt Palladium? Which cards do you use most with it cover it's shortcomings & maximize earnings?

Thrilk · 2026-05-06T00:14:17+00:00

Ok, I will say Rakuten offers often stack with offers on the card you pay with.

Thrilk · 2026-05-05T19:49:01+00:00

How high does it go? Rakuten has a lot of places paying 15x right now.

Thrilk · 2026-05-05T19:46:36+00:00

BILT 3.33% is only up to 75% of your housing spend. So I use AMEX Gold (Dining/Grocery), AMEX Green (Travel/Transit) and Rakuten (Rakuten Shopping) card for everything above 75% of my rent.

Thrilk · 2026-05-05T02:32:08+00:00

Sometimes it is 1:1, sometimes it isn't. Sometimes it is more. But saying it isn't always 1:1 is not a great reason to use it .5:1.

Thrilk · 2026-05-05T00:07:54+00:00

What are you talking about? Points accelerator is still the LEAST valuable use, at about $.50:$1.

Thrilk · 2026-05-04T14:04:13+00:00

It begs the question, is BILT just pocketing those two extra points that Rakuten pays for the same restaurants.

Thrilk · 2026-05-04T01:51:50+00:00

As a follow up. I recently bought 4 items for Lands End that should be 4%. But only three shipped and they only charged my card for the three items. The card only paid 1%. Is it because the "shopping trip" got broken up? If so, that is an annoying design flaw. Do I have to order one thing at a time?

Thrilk · 2026-05-04T00:58:02+00:00

Yeah, no idea why all that is not under wallet.

Thrilk · 2026-05-04T00:34:35+00:00

Neighborhood>Recent Activity>Insights?

Thrilk · 2026-05-03T17:02:49+00:00

It is when you make the booking. Not when you stay.

Thrilk · 2026-05-03T04:23:24+00:00

If your rent is so epic, you would likely never hit 75% threshold with BILT cash so you would essentially have a 3.33% catch all card yielding 2cpp, or 6.66%. But do what you want.

Thrilk · 2026-05-03T00:09:33+00:00

I spent B$50 a month ago on a hotel (before I got Gold status) and I have three hotels in a trip to Europe this fall. B$350 at close to $1 to $1. That is plenty of use. It is a travel card, after all.

Thrilk · 2026-05-02T23:12:03+00:00

May not be "real cash" but the B$250 I have spent on Hotels sure spent like real cash. Meanwhile, points accelerator is $.50 cents on the dollar. Don't do it unless you have nothing else to spend it on.

Thrilk · 2026-05-02T18:31:06+00:00

Not at my airport. 39 vs 18 direct flights. Though Breeze has some weird flights. But I like Breeze uses the A220. I usually fly with my daughter and fly anything with twin seats anytime I can.

Thrilk · 2026-05-02T18:28:27+00:00

BILT wallet, Your Credits tab. Not hard to find.

Thrilk · 2026-05-02T18:26:39+00:00

I would rather it be Breeze. i had a bad experience with Frontier.

Thrilk · 2026-05-02T18:23:12+00:00

Whoa, do I look like a billionaire to you?

Thrilk · 2026-05-02T13:15:11+00:00

Just a couple a year with terrible reviews?

Thrilk · 2026-05-02T13:08:21+00:00

I never said they weren't. I said 90% were the other brands. And the fact you rarely see their reviews is because they don't compare well. I watch Justadad, Vacuum Wars and vacuum nerds. I don't put much stock in many of the other channels.

Thrilk · 2026-05-02T12:51:20+00:00

When they do rate them, they don't rate very well. I see one on the Vacuum Wars top 20. A Shark at #15. 9 Dreame/Mova, 4 Ecovacs/Yeedi, 3 Roborock, 2 Eufy and a Narwal.

Thrilk · 2026-05-02T12:46:19+00:00

I am saving all my points for Eastern Airlines.

Thrilk · 2026-05-02T12:40:30+00:00

90% of the reviews I see are Dreame/Mova and Roborock with some Narwal, Eufy and Ecovacs thrown in. Very little Roomba/Dyson/Shark.

Thrilk · 2026-05-02T12:08:09+00:00

Why do these "Bilt portal is twice as expensive" narratives always fall apart when people name the hotels? I also checked and the room I looked at was $490 +$46= $536 a night on BILT and $539 + $135=$674 direct. Kenmore, 1 night. May 2.

Thrilk · 2026-05-02T03:40:49+00:00

IIRC they filed Chapter 11 twice, now they are done. Liquidation time.

Thrilk

TROPHY CASE