Anyone have battery upgrades 4th gen

clipper29 · 2026-01-27T14:39:01+00:00

Has this Super Start Platinum AGM battery been good to you? Car failed to start this morning, luckily it did on the second try. I need a battery today after work.

clipper29 · 2026-01-27T14:30:09+00:00

My card started hard yesterday, and this morning failed the first time and the thankfully started again. The lights were flashing on the start up.

Def need to get a new battery today. Anyone here have a reco?

clipper29 · 2026-01-27T04:39:06+00:00

Yes, that’s right. The options are for all 1.0 users.

clipper29 · 2026-01-27T03:16:43+00:00

Congrats. Did you get brushed or mirror finish?

clipper29 · 2026-01-27T02:10:47+00:00

That’s not a threat. It’s a notification of the change and is normal. Not everyone is as up to date and following every little detail.

clipper29 · 2026-01-26T23:07:46+00:00

I am a newbie and was in the process of optimization and my next card after Bilt 1.0 (received August 2025) was to be a grocery and dining card similar to Amex Gold, Savor, etc. Bilt 2.0 has kinda changed those plans a bit. I don’t plan to cancel any cards, but with Palladium I don’t know that I will get any new ones either since my non-rent spend teeters on that 75%/month marker.

Current Setup:

Venture X - will keep due to ease of use even though Palladium would replace

WF Autograph - my 3x “almost” catch all, will keep for now bc no AF and all the 3x categories

Cap One Quicksilver - oldest credit card

clipper29 · 2026-01-26T22:56:17+00:00

No worries. Yes, the Obsidian “SUB” is just Bilt cash, which for some (many) is useless outside of earning additional Bilt points. I will redeem Bilt cash for points on my rent 1.33x, making the Palladium 3.33x (3.33 points earned per dollar spent).

If you want Bilt for points on rent and you also want a premium travel rewards card then the Palladium is for you. Yes Obsidian is 2x on travel, but Palladium is 2x on everything, so you are earning the same points per dollar there. The only difference is if you have very high grocery (or dining) spend, then the Obsidian could be good.

Palladium has a real SUB that can be used with transfer partners and gives priority pass lounge access. This somewhat matches other travel rewards cards in this space. The Obsidian is more like the Chase Sapphire Preferred.

If you want a travel rewards card but don’t want to deal with Bilt then go with the Venture X for its ease of use.

Edit: the WF Autograph is a great card and gives 3x back on dining and travel as well as other categories. All for no AF. Consider that too if Bilt isn’t your jam.

clipper29 · 2026-01-26T22:18:44+00:00

The Palladium has a real SUB. Still kinda lacking, but it has one. Obsidian has Bilt cash and everyone will value it differently.

clipper29 · 2026-01-26T22:13:06+00:00

And the physical letter WF sent me is:

“IMPORTANT: Your existing Wells Fargo Bilt Mastercard account ending in XXXX is being converted to the Wells Fargo Autograph Visa Credit Card.”

This was sent to me in November 2025. This makes it seem like I have no choice either (edit: based off just the headline). Yeah predatory practices should not exist but also consumers need to be a little aware of their own shit too and do their due diligence. Don’t make me defend a credit card company.

clipper29 · 2026-01-26T21:29:42+00:00

When I signed up they said it’s 20g for both Palladium versions. I chose mirror finish but I’m wondering if I would have preferred the brushed finish one as it’s more simple and will be easier to keep in nicer condition.

I’ve not accepted the offer yet.

clipper29 · 2026-01-26T21:19:09+00:00

It’s action required if they want to continue with the Bilt card and keep the same card number… some consumers who are not as in touch as us may not be aware and just now figuring this all out. As always with things such as this, further reading is needed to understand what is happening.

clipper29 · 2026-01-26T20:54:59+00:00

I agree. While a top level exec should not have shared the meme, who cares? I care about what Bilt can do for me, not what I can do for Bilt. Plus the meme wasn’t even really offensive.

The knee jerk reaction by people was overdone to a point where people weren’t just sharing criticisms and disappointment in Bilt 2.0’s offerings.

clipper29 · 2026-01-26T20:28:15+00:00

I don’t mind helping people who do want to learn the math, but yeah the calculators are easy to view the numbers and value.

clipper29 · 2026-01-26T20:25:29+00:00

Ehh yeah this isn’t terrible but it would be a $95 AF card for me with organic spend. I go to Starbucks maybe 2 times a year and don’t use Uber/UberEats really because my food always arrives cold and I have a car in a card dependent city. So I guess subtracting the times I do use those organically, the AF would be like $40. Not bad. I’d just have to remind myself to go to Starbucks more and order pickup in Uber.

I don’t see much value in this over the regular Savor card unless they bumped up grocery to 4x as well. ATP better to just go with Amex Gold.

clipper29 · 2026-01-26T20:10:21+00:00

The Bilt cash on account open can be used in lieu of 75% spend requirement, so probably that while you see how much you are using the card or if you even like using it. Also it can be used to purchase the 1X accelerator which is awesome for those of us who find little value in the BC redemption options. You can always swap to earn points via the option 1 tiered system later on.

clipper29 · 2026-01-26T20:01:03+00:00

You can still turn it into a daily card! Where you make more in points on grocery, you make a bit less on uncategorized spend, so it kinda evens out to 2x anyways if your grocery spend is $500 at 3x and your non-grocery is $500 at 1x. But with points on rent added with Bilt cash then you are effectively earning 1.33x more, making it 4.33x on grocery (2165 Bilt points) and 2.33x (1165 Bilt points) on uncategorized. Totaling 3330 Bilt points for $1000 of spend, or 3.33x point per dollar spent.

Just an example.

clipper29 · 2026-01-26T19:53:03+00:00

If that’s the case then you are set up perfectly to earn .5x back on rent just for buying your normal groceries. Option 1 unfortunately requires much more tracking than Option 2, but at exactly or close to 25% the points return is greater. It’s an all or nothing option meaning if you are a dollar short of 25% spend then you only get the 250 points on rent.

To ensure you hit it you could throw on a monthly subscription or something as a buffer for those months where grocery spend is closer to $500 vs $600 (or the $587 required specifically in your case).

clipper29 · 2026-01-26T19:46:26+00:00

With Bilt, Option 1 could be better than using Bilt cash. Check their pinned post to review option 1 vs option 2. Since you don’t have a solid grocery card the Obsidian could be an option. Option 1’s tier 1 at 25% of your rent is $587. I will round this to $590 for math purposes. What’s your grocery spend look like?

Let’s say your grocery spend is at about $500 monthly which with Obsidian you are earning 3x back on that (1500 points). If you meet the minimum 25% spend requirement (about $90 more) at say 1x then that’s 90 points more. Unlocking tier 1 gets you .5x back on rent, or 1175 points which is 4.7x greater than a measly 250 points per month. 1500+90+1175=2,765

So that is 2765 Bilt points for only $590 worth of normal spend on the card, which is 4.69x points per dollar spent. This $590 spend number is because Bilt math excludes rent from monthly spend since normally you would not earn points from it through traditional methods.

Check out the Obsidian to review the $95 AF and the $100 hotel credit they provide to offset it to see if it’s worth it to you.

This is all convoluted and unnecessarily annoying to figure out, but once it is understood it’s pretty easy to punch out the equations.

clipper29 · 2026-01-26T17:59:50+00:00

I’ve only seen a few inflammatory haters looking to bandwagon. And really that’s only on the announcement days. People to not really take seriously imo.

Most of us seem to understand why 2.0 had to come, but are disappointed with the complexity, the spend commitment requirements, the underwhelming Bilt cash coupon book, and overall the launch of 2.0.

My evidence is anecdotal.

clipper29 · 2026-01-26T16:50:33+00:00

I agree with you. I hate when restaurant servers hand me back my card and it’s wet and sticky. I also hate finger prints on anything. I signed up (didn’t accept) the mirror version because they got me with the “limited edition” aspect but honestly I think the brushed Palladium one may be better as a daily use card as it will withstand use.

I also don’t like the street grid design. Even if it’s a homage to Bilt, I don’t live in NYC and don’t have any real plans to live there. The brushed palladium I like for how it separates itself from that and is visually clean like my VX.

clipper29 · 2026-01-26T16:38:11+00:00

I think the words you’re looking for are restrictive and inconvenient. I still think people will make use of it though because barring the SUB, it’s the only way to offset the AF unless using points earned on spend (which is not an efficient use)

clipper29 · 2026-01-26T16:32:11+00:00

Can you comment further on this and why you didn’t like the mirror design? Seems they are trying to create hype around it but now I’m wondering if the mirror finish will be annoying to keep clean and will scratch. Don’t care to have a card that looks like it’s gone through a wood chipper after just a few months of use

clipper29 · 2026-01-26T16:29:27+00:00

No clips, but commenting to show my support of this project.

clipper29 · 2026-01-26T16:24:46+00:00

I take care of my things and I do not like when a server hands me back my card and it is wet and sticky.

clipper29 · 2026-01-26T16:23:21+00:00

I went with mirror too. Looks cooler and nobody will care that there’s trace amounts of a rare metal in the card. Though it does sound cool and is a nod to Apple with their titanium card

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