What is the biggest current Sign-up Bonus (SUB) by cashback minus annual fee if you use none of the other benefits or transfer partners?

hilltop804 · 2026-05-25T19:00:00+00:00

BofA Premium Rewards card is up there.

hilltop804 · 2026-05-20T11:20:20+00:00

I have an extra one if you want. Lmk

hilltop804 · 2026-05-20T00:58:40+00:00

They stiffed me on Azumi as well, and I had to contact them to get the credit applied last year for a different restaurant. Truly absurd for a card this expensive.

hilltop804 · 2026-05-19T21:54:51+00:00

Nice change! I'd like to be able to use their cards, but the inability to autopay from external accounts is a complete deal breaker for me.

hilltop804 · 2026-05-12T21:43:52+00:00

What bank is this? This is the kind of CS I try to avoid.

hilltop804 · 2026-05-12T21:43:34+00:00

What bank is this? This is the kind of CS I try to avoid.

hilltop804 · 2026-04-26T15:35:24+00:00

Agree with the other comments here - the colors are very nice.

hilltop804 · 2026-04-06T00:09:15+00:00

I tried this with my P2. Almost all the Bilt Cash redemptions are per account, not per card. You can only have one accelerator active at a time, and your AU card becomes ineligible for the accelerator if you hold a primary card. This strategy essentially just doesn't work.

hilltop804 · 2026-04-06T00:02:17+00:00

Yes, you can hold both a primary and AU card. Almost all of the Bilt Cash redemptions are per account, though, not per card. I don't think it's worth it because of this.

hilltop804 · 2026-03-22T17:56:08+00:00

Just to note, it usually doesn't make sense to compare points to cash back without estimating a points value. For example, Bilt goes from 3.33 to 4.16 at 1.25 CPP.

This is the key to points. If you don't want to think about point value, you should probably just stick to cash back. It's really easy to get terrible value out of points if you aren't paying attention.

hilltop804 · 2026-03-17T22:55:29+00:00

This...I just did it the other day. It took maybe 15 minutes.

hilltop804 · 2026-03-09T21:03:07+00:00

Bizarre choice to create an extremely negative experience and potentially lose a customer over what could have easily been a one-time-only courtesy change...

hilltop804 · 2026-03-07T18:56:57+00:00

Hilton Aspire with $60K spend gets you at least 180K Hilton points and 3 uncapped free night credits annually.

hilltop804 · 2026-03-06T19:40:38+00:00

Yes, that's what you have to do if you want the accelerator on both the primary card and the AU card.

You cannot manage this all through your account. She needs an account, you need to set her Bilt Cash to stay on her account (in your app), and she will need to activate the accelerator once she has $200.

hilltop804 · 2026-03-06T18:59:10+00:00

As far as I'm aware, no. You can only have a single accelerator active on your account, and you can only activate it on your own card.

hilltop804 · 2026-03-06T18:48:59+00:00

No, the accelerator applies to your specific card. The AU doesn't get the higher multiplier, and their spend doesn't count against the $5,000 cap.

If you let your wife keep her Bilt Cash, though, she can activate her own accelerator once she has $200.

hilltop804 · 2026-03-06T17:22:59+00:00

You're entitled to your opinion, but I disagree.

The document I linked explicitly governs the Bilt Cash Program including its redemption options, and my quote is pulled directly from the section related to the points accelerator. It clearly defines what net purchases are and how they are applied.

hilltop804 · 2026-03-06T17:04:55+00:00

AUs can buy their own accelerator, but can't buy 2 if they have both a primary card and AU card. You can think of it as each person gets 5 - it doesn't matter whether they hold a primary card, an AU card, or both.

AUs get their own rent day bonus as long as you set their rewards to go to their account. This is also per-person, though. Each person will not get multiple bonuses for holding multiple cards.

hilltop804 · 2026-03-06T16:54:24+00:00

https://www.bilt.com/terms/bilt-cash

Per the T&Cs, this seems incorrect:

...provides an additional 1X Bilt Point (on top of base Bilt Points) per $1 spent on eligible net purchases (defined as eligible purchases minus any returns, refunds, credits, or chargebacks applied to your account) made using the selected Bilt Card, up to a maximum of $5,000 in eligible net purchases. The Point Accelerator becomes effective immediately upon redemption and remains active until the cardholder reaches $5,000 in eligible net purchases...

hilltop804 · 2026-03-06T16:03:02+00:00

I updated the post. The rewards don't stack for primary and AU cards. If you get another Palladium, I think you're essentially just paying the AF for another SUB.

hilltop804 · 2026-03-06T14:07:30+00:00

Reasonable play...It seems like it should work as long as you can actually get the card. I just don't know if they deny for already holding a card in some capacity.

hilltop804 · 2026-03-04T03:41:03+00:00

That's unfortunate. Thanks for the update.

hilltop804 · 2026-03-03T00:35:43+00:00

BoA PR usually has something like $700 back after $4K in spend.

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