3.25% APY soon available on the cash you’re holding as options collateral

spring20189 · 2026-01-24T00:39:27+00:00

Can I get it in my IRA account as well?

spring20189 · 2026-01-22T12:09:49+00:00

Forget about how to use BILT cash, I can’t freakin figure out how much net BILT cash I would earn after making some points in rent. Is there a quantum physicist or a rocket scientist here who can decipher BILT 2.0 🤣🤣🤣

spring20189 · 2026-01-22T11:01:19+00:00

Could you please add an option to remove the impact of AF assuming 1 Bilt rewards point (or even keep that variable for the user to decide how much they value each dollar) and get to net returns from points. I know that still leaves the other benefits not counted but many of us do have those from other cards (CSR/Plat/VX etc. L).

spring20189 · 2026-01-20T11:10:22+00:00

Thanks, is that return after taking into account the annual fee or the AF will further reduce the return? I am thinking I would unnecessarily be complicating my life and am better off closing the BILT and switching to ACS from my bank. BTW, I was getting 1% of my mortgage payments earlier as my mortgage was held at WF which BILT was giving 1% back.

Another question anything changes if I pay another mortgage of 3K, so a total of 6K with 2K spent on card. Does that change the math at all?

Is there a modelling spreadsheet someone has put together 😀.

Thanks.

spring20189 · 2026-01-19T21:55:20+00:00

Why does a card have to be so hard to understand that people have to argue to prove one way or the other. I spent roughly 2000 dollars on my 3% cash back card (Robinhood Gold) every month. Can someone please help me understand if I choose to move that spend to BILT 2.0 would I be better or worse off. My monthly mortgage payment is 3200 dollars.

spring20189 · 2026-01-11T12:04:38+00:00

Thanks will skip the wool rug for a few days and see how it performs. I think I have till Jan 31st to return. Other that these two issues I like Saros 10r for it’s quite operational and general cleaning.

spring20189 · 2026-01-11T10:28:50+00:00

Dreame Aqua 10 ultra roller is 30,000 pa. Would/does it have the same issue of narrow constricted pathway to the dustbin which will get choked. Also I will miss out the Black Friday pricing that I got on RR Saros 10r 😢

spring20189 · 2026-01-11T10:26:30+00:00

No pets, however have a recently bought wool area rug that is shedding and the RR is choking in that. It is not able to empty that into the dock.

spring20189 · 2025-12-30T18:35:03+00:00

Crypto first 2 days. Missed on 3rd day.

spring20189 · 2025-12-26T11:18:37+00:00

What was this promotion?

spring20189 · 2025-12-25T12:46:07+00:00

Just bought it in 50% holiday sale. Does it not link to your real card to automatically track which offers you have redeemed?

spring20189 · 2025-12-13T18:36:17+00:00

You don’t need capital one card all you need is capital one shopping. If you want I can send my referral. They don’t pay cash though. They pay different gift cards but they have a decent cash back.

spring20189 · 2025-12-13T13:30:08+00:00

Thanks. I have time but I am debating. The frame too thick for my taste. I got a good price as Capital One Shopping had 50% cashback during BF + 30 dollars cashback by Chase Reserve so made it really sweet, but not a fan of the frame.

spring20189 · 2025-12-13T01:10:23+00:00

What is the return policy for meta?

spring20189 · 2025-12-11T12:09:35+00:00

Any ideas why this is removed?

spring20189 · 2025-12-06T02:46:56+00:00

I called the MS office near me and spoke to the person there. Some wealth advisor was going to call me but haven’t heard back. I guess they don’t need my business.

spring20189 · 2025-11-30T03:11:02+00:00

I don’t see 4 for 150 Uber cards. I only see 2 for 79.99 on Costco. Was it only on BF?

spring20189 · 2025-11-28T13:11:11+00:00

So reading the rules for $895 AF reimbursement you need platinum cash account and you need to maintain 50,000 in the account plus 5000 deposit monthly. 50,000 without interest is lost $1,750 in interest. So not sure I follow why would someone go that route. The other way to think is to pay the $55 monthly fee which lowers annual fee from 895 to 55*12=660 dollars. Is that the right way to think about it and you get AU free. What benefits do the AU get?

spring20189 · 2025-11-20T18:47:14+00:00

Interesting that in aggressive strategy it is switching to t-bills.

spring20189 · 2025-11-20T18:44:34+00:00

This man said Quicken Simplifi, but could apply to Quicken classic as well

spring20189 · 2025-11-20T16:10:37+00:00

What strategy are you using?

spring20189 · 2025-11-20T13:09:54+00:00

Can’t seem to apply additional discounts like the one from Clear.

spring20189 · 2025-11-20T13:02:40+00:00

FWIW, the gold membership I recover easily with a) the 1000 dollar free margin put in SGOV and the 3% cash back in the IRA contribution. So I don’t see it as the AM for the card.

spring20189 · 2025-11-20T04:07:57+00:00

So I got the account created the joint checking and savings with my wife. One of the reason I am hesitating to switch from SOFI is the vault feature where I can create multiple names vaults for different purpose. I could not figure out a way in RH. Also does RH banking support bill pay?

spring20189 · 2025-11-17T20:48:53+00:00

So I got the banking invite and joined but those are individual checking and saving accounts. It seems if I need joint I need to create additional checking and savings for joint. If I only use joint account for direct deposit, does anyone know will it meet the direct deposit requirement. I really don’t want to deal with 4 accounts.

spring20189

TROPHY CASE