All the Hacks: Money, Points & Life Points & Miles in 2026: What's New, What's Dying & What's Next with Brian M
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Jan 21, 2026 
In this conversation, points and miles expert Brian M shares his insights into the evolving landscape of travel rewards in 2026. He discusses the new Bilt card lineup and how its features can ultimately benefit users despite increased complexity. The sudden shutdown of Mesa highlights the risks associated with startup loyalty programs. Brian forecasts a rise in transferable points and AI-driven management tools for better optimization. He also shares strategies for evaluating credit card fees and offers practical tips for planning trips efficiently.
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Bilt Reworks Cards For Sustainability
- Bilt redesigned cards to balance sustainability with rent rewards, adding a built cash layer that offsets transaction costs.
- The new structure trades simplicity for durability while preserving valuable transfer partners like Hyatt and Alaska.
How To Choose Your Bilt Transition Path
- If you already have a Bilt card, prefer converting the existing Wells Fargo account to avoid friction unless you need the signup bonus.
- Consider the Palladium 2x everyday option to minimize opportunity cost on spend and to earn status more easily.
Built Cash Turns Spend Into Extra Points
- Built cash acts like a multiplier: spending to earn built cash effectively boosts earned points on rent up to your rent amount.
- That math can make even the no-fee Blue card worth more than its advertised 1x for many cardholders.