School year wallet. One card.
One card for the school year. Palladium if housing is on Bilt and there is a trip in 12 months. Your spend, not a sample family.
Topic
Cards
A collection of 10 issues
$495. Keep it if the mortgage is still on Bilt.
Year two. Drop the welcome. Housing still on Bilt, plus credits you will actually use. Your numbers, not a sample family.
The 90 days after Palladium. Everyday, not housing.
Everyday on Palladium for 90 days. Housing through the app. One toggle. No transfers until a seat is holdable. Not a reason to apply.
Housing-only or Flexible. Flip one switch.
One switch. Housing-only or Flexible. Not both. A sample month so you can plug in your mortgage. Example data, not your house.
Should you open a card this month? Usually no.
Only if the trip exists, housing will go through Bilt, and you can put everyday spend on Palladium for 90 days without needing those dollars the week you fly.
You can earn Bilt points on a mortgage. Here’s the messy part.
For years that was renters-only. Pay the servicer by ACH through Bilt, pick one housing switch, and the mortgage can earn points. You cannot run both paths.
Bilt Cash is not cash. Here’s when it’s worth using.
Bilt Cash looks like 4% cash back. It is not. It unlocks housing points, it lives in the app, and most of it expires on December 31.
Search. Hold. Transfer the exact amount. Then ticket.
Bilt points move 1:1. Transfers are irreversible. Search and hold first. Southwest needs 72 hours. Skip if there is no trip.
Why Bilt Palladium is my go-to card right now
It pays on a mortgage or rent and a normal month. Those points should become a trip already on the calendar.
You don't need 30 cards
The best card is the one that matches the life you're in.