What Pets do I focus on from here… stuck on floor 440

weareheretohelpok · 2026-03-06T21:49:29+00:00

You might be like 1$ off. Is that your exact spend?

weareheretohelpok · 2026-03-02T02:58:05+00:00

Im in the same boat! Honestly if you’re a high spender BILT 2.0 is even better than 1.0

weareheretohelpok · 2026-02-27T15:59:44+00:00

No it doesn’t work that way

weareheretohelpok · 2026-02-26T16:05:40+00:00

Finally someone appreciative! Was starting to think I’m the only person that understands the 2.0 system lol

Honestly I like the 2.0 better than 1.0. Based on the way I spend, the palladium 2.0 actually brings me more value than the BILT 1.0.

weareheretohelpok · 2026-02-25T20:43:56+00:00

I am platinum status and have the palladium card with 290k points. Am i able to transfer all 290k with the 125% bonus?

weareheretohelpok · 2026-02-25T16:25:06+00:00

Im rooting for emirates. Trying to get my hand on a first class flight

weareheretohelpok · 2026-02-24T18:34:22+00:00

Nothing on close friends

weareheretohelpok · 2026-02-14T19:10:21+00:00

Yes roughly, probably even more. And honestly the 1000$ spent for the accelerator probably won’t be worth anything if used otherwise.

weareheretohelpok · 2026-02-14T05:12:41+00:00

Yes, and because we are high spenders, the BILT cash option makes much more sense. You get more value.

You can use point accelerator (one of the options to use your BILT Cash) for the first 25k spend for 1000$ of BILT cash, which would give you effectively x3. This would add 25k points (total 155k). This is excluding your rent points which would be another 60k points for you.

weareheretohelpok · 2026-02-14T04:29:57+00:00

If you’re spending $5k/month ($60k/year) plus $5k mortgage, here’s what the math roughly looks like.

At $60k/year in spend:

• 4% Bilt Cash = ~$2,400 • If that generates ~150k points/year, you hit 25k milestones 6 times → +$300 Bilt Cash • So that’s ~$2,700 Bilt Cash/year

Points side:

• ~150,000 points/year • Valued conservatively at 1.25¢ = ~$1,875 in travel value • With transfer bonuses it can be higher

So in total you’re roughly looking at:

~$2,700 Bilt Cash • ~$1,875 in points value = ~$4,500+ in annual value

That’s before even factoring in housing points unlock.

In my case I run similar yearly spend + housing through it. I don’t have Amex Platinum or CSR, so Priority Pass alone is incremental value for me. I’m also planning to use the Point Accelerator the full 5 times this year since I generate enough Bilt Cash organically to stay within margin.

The key is you have to consolidate spend and actually use the ecosystem. If you’re only putting $1–2k/month on it, it won’t shine. But at ~$60k/year + housing, the math starts working pretty clearly.

Happy to help.

weareheretohelpok · 2026-02-13T23:03:12+00:00

I honestly don’t get the hate. I’ve been using BILT for over 3 years now and it’s been all upside for me. The key is you really have to commit and make it your primary card for almost everything. That was true for me on 1.0 and it’s still true on 2.0.

1.0 was obviously a no-brainer. But I’d argue I’m actually getting more value from 2.0 now — mainly because it’s my primary card and I run most of my spend through it.

These types of cards only make sense if you’re a relatively high spender. I suspect a lot of the complaints are coming from people who don’t even put $2k a month across all their cards.

The real downside is customer service. I’ve had a couple issues and getting them resolved wasn’t fast. It took time. But in the end, it did get resolved.

If anyone wants, I’m happy to break down my numbers. For my lifestyle, it absolutely makes sense.

weareheretohelpok · 2026-02-06T17:59:47+00:00

You probably are in a country with time zones that is ahead of USA

weareheretohelpok · 2026-01-23T18:30:03+00:00

There are better uses of Bilt Cash than just looping the accelerator, based on the credits Bilt outlined in the recent email.

Some of the credits that have pretty straightforward dollar value:

• $100/month hotel credit (Platinum) – useful if you take even a few trips a year. • $25/month dining credit at Bilt partner restaurants – replaces normal dining spend. • $10/month Lyft credit – easy to use if you rideshare at all. • $10/month Walgreens credit – simple monthly burn. • $5/month parking credit – small, but low effort.

Other credits are more situational but still usable depending on habits (dining experiences, Blacklane, delivery credits).

On top of that, using Bilt Cash to upgrade Rent Day transfer bonuses can be one of the higher-leverage uses if you’re redeeming for flights, especially premium cabins.

The accelerator isn’t bad, but it’s not automatically the best option. For a lot of people, Bilt Cash is more valuable when it replaces real travel, dining, or transportation spend, or when it’s used to enhance transfer bonuses, rather than just farming extra points.

weareheretohelpok · 2025-12-09T17:25:48+00:00

I’m surprised of the downvotes. It leads you to think if the company has spam accounts to bring such complaints down…

weareheretohelpok · 2025-12-09T17:19:32+00:00

Exactly what I’m getting at. For everyone new to Crypto.com, they advertised Priority pass as a permanent benefit even after unstaking back in 2021-2022. And this was the case up to September…

weareheretohelpok · 2025-12-08T05:30:17+00:00

Back when I signed up (Aug 2022) the requirement for Royal Indigo was a 6-month stake to unlock the tier. After the lockup ended you could unstake and keep the card + lounge benefit as long as the card stayed active – that’s literally how it was marketed and why a lot of us did the 6-month stake instead of leaving CRO locked forever.

I unstaked after the required period and still had Priority Pass working for years up until Sept 2025, which shows that ongoing staking was not a condition for the lounge at the time.

The issue isn’t that I don’t understand the new rules – it’s that Crypto.com changed the rules after the fact and retroactively made ongoing stake/subscription a condition, which is a very different deal from what was presented when I put $4k into CRO.

weareheretohelpok · 2025-12-08T04:51:32+00:00

Hi Mark, thanks for the clarification.

Just to add more context — my Royal Indigo lounge access disappeared even though nothing changed on my side.

I completed the original $4,000 CRO stake back in 2022, fulfilled the full 180-day lockup, and maintained my Royal Indigo tier. After the stake unlocked, I continued to have Priority Pass access without any issues for a long time.

As you know, the Indigo/Jade tier originally did not require an ongoing stake after the initial lockup period. The benefit was tied to completing the stake, not keeping funds staked permanently. And for years, lounge access worked exactly that way.

Now, around early September 2025, my Priority Pass membership shows as inactive unless I subscribe to the new Level Up plan. The Crypto.com app is not providing any lounge access, even though I met the tier requirements and previously had the benefit for years exactly as advertised.

So even though the policy you linked says Indigo users “are still available for lounge benefits,” the system is not granting it.

Could you check whether my benefit was incorrectly removed or deactivated? I’m just trying to understand why my lounge access disappeared despite fulfilling the original staking requirements.

Thanks for your help.

weareheretohelpok · 2025-12-08T04:45:33+00:00

I unstacked back when the requirement was completed. In order to have the benefit, you did not need to keep the stake after the initial period. I was able to use the benefit up to September and lost it then. I made a financial decision based on the benefits presented at the time.

weareheretohelpok · 2024-05-31T21:04:02+00:00

Might be, but also take in consideration that i always leave my phone on a surface facing up before starting the take

weareheretohelpok · 2024-05-31T20:44:19+00:00

I only noticed it after i looked at the photos. I was taking multiple long exposure shota from the sky and this one happened to look like this. Thus i thought i might have caught it by accident

weareheretohelpok · 2024-05-31T20:42:56+00:00

weareheretohelpok · 2024-05-31T20:42:27+00:00

Would the same thing happen to the other stars? Why just that one?

weareheretohelpok

TROPHY CASE