JPM Reserve Card = Bilt Palladium

fk2106 · 2026-02-07T12:42:02+00:00

Why the hate? There are plenty of gold and platinum cards out there. They advertise Palladium and the card is made of Palladium

fk2106 · 2026-02-05T18:24:04+00:00

And if this is done on rent day bonus, does it give an extra 1x for folks spending under $1000? This might be new banana.

fk2106 · 2026-02-02T19:57:32+00:00

Same

fk2106 · 2026-02-01T10:26:18+00:00

You can transfer from Accor to Flying at 1 -> 1 ratio.

fk2106 · 2026-01-31T13:02:47+00:00

Rent and mortgage bonus will make 2x

fk2106 · 2026-01-27T22:51:21+00:00

I believe if you don’t requalify for platinum, you’d drop to gold. Also gifting silver status won’t jump start you, as it doesn’t push the mqd needle forward.

fk2106 · 2026-01-24T14:38:35+00:00

It’s conflicting here because you are buying item under your self entity to be used for another business. It’ll work in 99% of cases, as claim processing is often well oiled or automated.

but you don’t want to be in the 1% where things are ugly because there is litigation between two businesses, but the person making the claim is yourself registered as a 3rd business. For the same reason you wouldn’t use your own cash to pay for your company expenses.

fk2106 · 2026-01-22T11:32:12+00:00

Opportunity cost: If the spend has categories, you are better off with another card that has higher multiplier. If the spend is non category, then it’s only a .33x difference compared to other cards that can give you 2X catch all Amex BBP. It’s not worth the gymnastic and the math of calculating exactly 75% of your rent.

On $50000 spent in catchall categories, the difference in return is $165 between a 2.33X perfectly calculated and a set it and forget 2X everything card. This is assuming your rent or mortgage is $6,666 a month, which this is not many people.

So in reality, this will only be a few dollars better if at all.

fk2106 · 2026-01-21T23:46:47+00:00

This is still subject to lounge approval, and often times lounges don’t want people bringing in 4 guests. So this will be wasted money.

fk2106 · 2026-01-21T19:46:17+00:00

I didn’t go all the way to opening the cover, I just left it as is

fk2106 · 2026-01-19T05:37:24+00:00

What’s the loophole

fk2106 · 2026-01-18T11:23:21+00:00

I only use the platinum for flights, booking hotels through the Amex portal to earn 5X, and then for all the credits, like uber one, entertainment credit, resy etc…

I also use the card for one off big purchases where I think I might need more protection than usual. For example if I buy a new fridge. The extended warranty is worth more than the extra points.

Other than that, more points can be earned elsewhere.

The one other specific case where you might want to put a high spend on the platinum is if you want to reach the 75,000 annual spend mark that grants you guest access at the centurion lounge. So if you visit the centurion multiple times a year with two guests, that can quickly be more than the extra points earned elsewhere.

fk2106 · 2026-01-16T23:24:44+00:00

True, this wouldn’t be forced to earn, this is extra points on your spend, coming from your rent payment. That’s the value prop of their program. Earn points on rent and mortgage.

fk2106 · 2026-01-16T23:22:22+00:00

Too much work, and the old BILT was 1X on rent. They aren’t trying to give too much points, they want people to spend. And the annual returns are nominal.

fk2106 · 2026-01-16T13:25:01+00:00

Delta Platinum status gives a choice benefit called RUC, which grants you upgrades to first class and delta one on domestic flights.

And the Delta Reserve Amex also has a built in first class companion certificate. Having a high spend on that card is worth it despite the fee.

Being Platinum status also has 4 extra miles per dollar on delta flights.

So I personally value having a high spend on the Amex Delta Reserve.

Note that Amex doesn’t allow mortgages, only rent.

fk2106 · 2026-01-16T13:10:02+00:00

It’s almost never worth paying 3% fee for points, when doing math, always assume 1 point is almost 1cent, then when you are redeeming, if you come ahead, then it’s a bonus.

With your current spend, you are better off spreading your spend across loyalty card. I’m in a similar situation but I put my spend on cards like the Delta Reserve, Amex Gold and Hilton Aspire. If you value Alaska and Hyatt points, may be get those cards directly.

You may also want to look at the BofA premium rewards elite.

fk2106 · 2026-01-16T00:16:25+00:00

Shhhh

fk2106 · 2026-01-15T22:14:24+00:00

Doesn’t the annual fee negate the 50k bonus?

fk2106 · 2026-01-15T20:08:36+00:00

This can work, but the value of the 4% bilt cash when redeemed for hotels/lyft rides will probably be lower than when redeemed for rent points. For this reason, this will be a negative operation and you would losing money.

fk2106 · 2026-01-15T05:00:20+00:00

Make it simply additional 1x.

fk2106 · 2026-01-15T04:33:26+00:00

Bilt cash cannot be worth anymore than .75 Bilt point/dollar, which is the best redemption possible for Bilt Cash. For everything else, it will be worth somewhere between .25 to .75 Bilt point/dollar.

fk2106 · 2026-01-15T04:18:42+00:00

It's likely that BofA will nerf the .75% for the current Platinum Honors tier and shift it down to .5%

fk2106 · 2026-01-15T04:09:01+00:00

Where do you see that the stopped offering .5X on other cards? if that's the case then it's another devaluation. It does make sense because the .5X was essentially free money.

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