Source: The Points Guy
Summary
The author is going all in on Bilt in 2026, using the premium Bilt Palladium Card for 90% of their spending. They will earn up to 1.25 points per dollar spent on rent and 3 points per dollar spent on everything. The author values Bilt points highly, with a high balance in multiple transferable currencies. They will collect a valuable welcome bonus and have a high current transferable points balance. The author recommends building a one-card setup around a Bilt card for renters in low-to-moderate cost-of-living areas and homeowners who can comfortably spend up to the cost of their mortgage each month.
Our Reading
The escape is carefully planned.
The Bilt Palladium Card offers a welcome bonus of 50,000 bonus points and Bilt Gold status. The card earns 2 points per dollar spent on everyday spending, and the author can earn up to 3 points per dollar spent on everything. The author will earn up to 1.25 points per dollar spent on rent. The Bilt points can be transferred to 23 partners, including Alaska Airlines Atmos Rewards and World of Hyatt.
The author’s strategy is to maximize their Bilt points earnings, but they will consistently check the math and adjust their strategy if needed. They recommend building a one-card setup around a Bilt card for certain individuals. The Bilt ecosystem is not just for housing rewards, but also for everyday spending and transfer partners.
Planned flexibility is a beautiful thing.
