Point Me To First Class 151. Bilt's 3 New Cards: A Complete Analysis & Strategy Guide
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Jan 19, 2026 Join Kelly, the Points and Miles Doc, as he shares his expertise on Bilt's three new credit cards: Bilt Blue, Bilt Obsidian, and Bilt Palladium. Discover the implications of Bilt's new internal currency, Bilt Cash, and the math behind earning points on housing expenses. Kelly breaks down the unique features and comparisons of each card, highlights how the changes target homeowners and higher spenders, and reveals why he applied for the Palladium right away. This episode is a must-listen for anyone serious about optimizing their travel rewards!
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Built Cash Replaces Milestones
- Built Cash replaces milestone rewards and yields 4% back on every eligible purchase across cards.
- Built Cash can be used in the Bilt ecosystem and to offset rent/mortgage processing fees.
The 75% Rule For Fee‑Free Housing Points
- Earning points on rent/mortgage incurs a 3% processing fee unless offset by Built Cash.
- To offset fees fee‑free you must earn Built Cash equal to 75% of your housing payment monthly.
Do The Math Before You Shift Spend
- Run personal math: compare how much non‑housing spend you'd need to shift to Bilt to cover the 75% target.
- Only shift spend if the opportunity cost versus your current cards is favorable.