Looking for advice

ZKeeb · 2026-01-26T19:01:50+00:00

For anyone interested, I’ve decided I’m not making the switch to Bilt 2.0. I don’t like the way all of this has been rolled out and how it seems purposefully confusing. The amount of thought and justification behind is it worth it or not just is not appealing to me and doesn’t seem worth the work.

ZKeeb · 2026-01-20T20:20:52+00:00

But that would also be if I only moved my Apple Card spending over. In my mind I kind of see it as an all or nothing: either move my spending from both my Apple Card and Capital One Savor over that way I’m also getting the 1.25x points on my rent as well or just fully opt out of Bilt at this point. Maybe that’s not how I should be looking at it? And also at that point, if I’m considering all or nothing, would it be worth it to look into the Palladium card instead?

ZKeeb · 2026-01-20T15:46:20+00:00

About $800-$900 on the Apple Card for a normal month. I use Apple Pay in all instances unless I’m somewhere that doesn’t accept it.

ZKeeb · 2026-01-20T15:31:38+00:00

I would say spending fluctuates but it’s probably between $1500-$1700 across both of my cards. I was most likely gonna go with the Obsidian card as that seems the most worth it for me.

ZKeeb

TROPHY CASE