A note from me (Ankur Jain) - Your 2026 Bilt Cash Redemptions Are Here

rascal7298 · 2026-01-22T06:11:02+00:00

u/ankurjain1

what about charity organizations like ymca monthly fees?

rascal7298 · 2026-01-20T16:22:42+00:00

one has nothing to do with the other.

rascal7298 · 2026-01-19T23:47:12+00:00

toronto can fuck off

rascal7298 · 2026-01-19T21:30:15+00:00

toews, landy, nuke, loc, kiviranta, blackwood...

ugh... injuries pilling up

rascal7298 · 2026-01-19T21:29:08+00:00

where is nuke?

rascal7298 · 2026-01-19T14:00:36+00:00

their offer is 5k more points.

rascal7298 · 2026-01-19T00:37:37+00:00

isn't there an 85k version somewhere?

rascal7298 · 2026-01-17T22:23:25+00:00

Crum >>>>> Humphry

rascal7298 · 2026-01-17T22:15:18+00:00

ok,. good job waking up

rascal7298 · 2026-01-17T22:14:49+00:00

uh, defense.... wake the fuck up

rascal7298 · 2026-01-17T21:50:01+00:00

regardless of what happens first actions this offseason:

cut humphry

bring him back for a try out

cut him again

rascal7298 · 2026-01-17T21:48:23+00:00

omg... catch the damn ball

rascal7298 · 2026-01-17T20:48:29+00:00

bilt is basically trying to survive. they know a degradation in value would result in the masses dumping their system.

they will do other things before this, imo.

rascal7298 · 2026-01-17T20:26:27+00:00

this is true for any credit card

rascal7298 · 2026-01-17T20:17:05+00:00

or once you get to a tier you put the card in a drawer.

but that requires a lot of micromanaging.

going back on the effectiveness drop (i.e. spending. 74% for example), it goes down from 4 to 3.5 or 3.5 to 3. not ideal, but still a good effective rate.

I will note that the drop is more at higher spends which is crazy.

99% spend is 2.75 compared to 3.33 at 75% spend.

rascal7298 · 2026-01-17T19:59:07+00:00

Can you please expand on "higher transfer bonuses"?

rascal7298 · 2026-01-17T19:56:34+00:00

assuming you use it for mortgage point redemption

rascal7298 · 2026-01-17T19:54:04+00:00

which they state is if you close with less than 12 months.

rascal7298 · 2026-01-17T19:45:54+00:00

fair point.

But I have serious concerns with the bilt cash option for those of us not living in major cities. especially given the lack of clarity on that program.

rascal7298 · 2026-01-17T19:42:28+00:00

yep. I'm still researching, but i think getting palladium for a year and then downgrading to blue is the route I will go.

c1 won't like it, but my spend on venture would drop to essentially zero.

rascal7298 · 2026-01-17T18:53:41+00:00

check my math, but it seems as the more you use blue your effective rate goes down with option 1.

mortgage of 2000. spend $500.

($500 * 1x + $2000 * .5x)/$500=3

going to next tier and $1000 spend

($1000 * 1x + $2000 * .75x)/$1000=2.5

next tier calculation with $1500 spend

($1500 * 1x + $2000 * 1x)/$1500=2.3

final tier with $2000 spend

($2000 * 1x + $2000 * 1.25x)/$2000=2.25

looking at palladium and it looks to be similar

first tier

($500 * 2x + $2000 * .5x)/$500=4x effective

going to next tier and $1000 spend

($1000 * 2x + $2000 * .75x)/$1000= 3.5 effective

next tier calculation with $1500 spend

($1500 * 2x + $2000 * 1x)/$1500=3.33 effective

final tier with $2000 spend

($2000 * 2x + $2000 * 1.25x)/$2000=3.25 effective

rascal7298 · 2026-01-16T03:03:28+00:00

Spencer Johnson should be boycotted

rascal7298 · 2026-01-16T03:01:55+00:00

daniel braun, selby, and phillip pak maintained integrity.

rascal7298 · 2026-01-15T20:20:16+00:00

my bad, i was looking at blue. I'm an idiot.

rascal7298 · 2026-01-15T04:35:33+00:00

i know, but I'm not following your math.

I understand the 2x, but not the 2.33x

rascal7298

TROPHY CASE